Protect your Alabama manufactured or mobile home. TCDS shops 50+ carriers to find you the best coverage and rates for wind, fire, and liability.
Protect your Alabama manufactured or mobile home. TCDS shops 50+ carriers to find you the best coverage and rates for wind, fire, and liability. Get a free quote!
This type of insurance is designed to protect you from specific financial losses. In Alabama, the typical cost for this coverage can range from a few hundred to several thousand dollars per year, depending on your individual circumstances. It's essential for anyone who wants to safeguard their assets and avoid the devastating financial impact of an unexpected event. TCDS Insurance Agency can help you determine if this coverage is right for you.
Ready to see how much you can save? Contact TCDS Insurance Agency today for a free, no-obligation quote. Our team of experienced agents will review your needs, compare rates from over 50 top-rated insurance carriers, and present you with the best options available. Protecting your family or business starts with a simple conversation. Let us show you the TCDS difference.
An HO-7 policy is a specific type of home insurance designed for mobile and manufactured homes. It provides 'open perils' coverage for the structure, meaning it's covered against all disasters except those specifically excluded in the policy, and 'named perils' coverage for personal belongings.
While not mandated by state law, most mortgage lenders require you to have insurance to protect their investment. Additionally, many mobile home communities require residents to carry a certain amount of liability coverage.
The cost typically ranges from $500 to $2,000 per year. However, your premium can vary based on your home's age and condition, its location, your claims history, and the coverage amounts you select. As an independent agency, TCDS shops over 50 carriers to find you the best rate.
Replacement Cost Value (RCV) pays to replace your damaged property with new items of similar kind and quality, without deducting for depreciation. Actual Cash Value (ACV) pays the replacement cost minus depreciation. We almost always recommend Replacement Cost coverage for the best protection.
Absolutely. Proper tie-downs are critical for securing your home against Alabama's strong winds and tornadoes. They are required by state law and are a key factor insurance companies consider when writing a policy. Failing to meet these requirements can make it difficult to get coverage.