Because Texas has so many different geographies and coverage varies between those geographies, it is important for insurance agencies to systematically assess the needs of each prospective client first before preparing a mobile home insurance quote. We make certain that all key points of information get covered before moving forward toward writing a policy.
Exceptional agencies sets themselves apart from their competitors through their in our relentless pursuit of detailed information during the quote preparation process.
Some agents just won’t take the time to gather this level of information prior to giving you an insurance quote for the mobile home. They leave vital statistics out of the equation that could potentially translate into gaps in your coverage.
Others cover the essentials in detail to lay a foundation, so to speak, for the integrity and viability of the forthcoming policy.
For example, at TAHI, the first step the staff takes when preparing a mobile home insurance quote is to acquire detailed knowledge of the home being insured. They need to look at the type of mobile home, its dimensions, age, and even manufacture in order to accurately determine replacement costs. We also base the estimated value of your mobile home insurance quote on the dollar amount of personal items within the dwelling itself. This insures your maximum protection in the risk of peril.
Many people fail to realize how important it is to cover valuables within the home as well as the home itself. They look for the cheapest quote possible and hope for the best. We recommend to everyone shopping through any agency in Texas to seek a better or more comprehensive quote on mobile home insurance by asking for an All Risk” policy that offers full replacement cost of the home and basic belongings. (Fine art, furs, and jewelry can also be covered under a separate policy).
Furthermore, do not be misled by hasty promises of instant results when shopping around for mobile home insurance quotes.
A quote in a matter of minutes is trustworthy. I would question anything that guarantees the split-second approach.
Also, some of the companies you see advertising the lowest quotes may not give you a firm quote until after your policy is written with all variables taken into account. At this time, the premiums can often increase significantly without prior warning. We hold ourselves to a higher standard here at Texas Auto Home Insurance. We make certain that mobile home insurance quotes are firm before passing them on to our clients. We believe that insurance should protect you from unwelcome surprises, not create them.
Finally, it is vital that you work with a company that is perfectly clear with you on the payment process. There is nothing more humiliating than having a policy canceled because of non-payment of premium” simply because you were not informed of the terms.
Make certain your agent offers you a win win” payment plan that both fairly compensates the carrier for its policy, him or her for their agency service to you, and you for your money’s worth.
