We have three primary carriers for Mobile home insurance. Our carriers allow us to write insurance in the following states: Georgia, South Carolina, North Carolina, Tennessee, Alabama, Virgina, and Mississippi.
The three carriers are A+ financial rating and we define their services as follows:
Basic Policy
This carrier does not require a credit check of any nature. The coverage is traditional to the basic coverages in a policy. It is a Named Peril policy and only provides coverage for the perils listed in the policy. The pricing is LOW yet the coverage is BASIC and yet Financially Strong.
Better Policy
The Second carrier does require a credit check yet we will NEVER ask for your social security number. The cover is traditional to the basic coverages in a policy. It is a Named Peril policy and only provides coverage for the perils listed. The pricing is based on a Insurance Credit Score and this has little to do with your Beacon Score and this type of credit check does not have a negative impact to your beacon score.
Apart from Credit, this carrier also has added coverage available in the event there are system breakdowns. Air Conditioners, Furnace, and applicances can be covered in this policy for a small added fee. NOTE: It is important to keep the deductible low if this coverage is anticipated to be used. A 1,000.00 deductible provides good savings but also makes it difficult to make a repair claim on a $500.00 air conditioner or a $300.00 dishwasher.
Best Policy
The best policy we offer provides “Broad Coverage”. This means the policy only lists the issues that the insurance policy does not cover. Traditionally this policy has the most coverage and provides the most Broad coverage solutions. Currently our carrier does not do credit checks but this is to change late 2010.
This policy also offers coverage for appliances and system break downs with a deductible that can be lower than the traditionally policy deductible. This provides a low overall price due to a higher policy deductible while also providing a lower deductible for system breakdowns.
=========================================================
Pricing for these three policy types is consistant to the name. The basic policy has the lowest price and the best policy has the highest price.
We also have coverage for the tenant occupied mobile home and the occssional rental.
Please give us a call at 678-682-9700 or 1-877-MattLocke 1-877-628-8562. or click and fill in the following form. One of our staff will call you shortly.
Popularity: 4% [?]
