To many, the difference between mobile homes, park models and RVs have blurred lines. Whether looking for a new adventure or solid residence, the never-ending battle after the big purchase for you and the family is, is it a mobile home or park model?
You want to make sure you are insured with the right coverage for the amount of time that you are occupying your dwelling.
Let’s take a look at the distinction and importance of knowing what you’re moving into.
What do the other guys think?
No matter the insurance company, the distinction of what is being covered is important. Many companies question whether the home is a mobile home or modular home. The difference lies primarily in mobile homes being single level while modular being multiple level.
Currently, M.B. Kouri Insurance offers three insurance packages. These are distinguished according to park models, RV’s or mobile homes. To know what insurance packages M.B. Kouri Insurance brokers Ltd. has to offer check out the following:
- Stayed in year-round, these are people whose home is the mobile home itself
- Are within parks where others live in the dwelling year round
- They have wheels but are commonly removed and skirted after being placed. Although they can be transported to different locations, it can be costly
- Seasonal campers that will stay for the season and either have another home, are snowbirds or other circumstances that provide them with different living arrangements come the off-season
- Typical single chassis axis, around 400 square feet
- These are still recreational vehicles because they can be moved and transported but can also handle the long-term commitment in a park or resort