Homeowners Insurance for a Mobile Homes in Colorado

For individuals living in the state of Colorado there are a few things they need to be aware of if they are thinking of purchasing a used mobile home. One is that they need to obtain an Authentication Form. This form is completed by the Treasurer’s Office and in essence states who owned the home, the name of the person purchasing it, the price and certifies that all taxes have been paid to date. This form also provides detailed information about the home including the serial number and when it was manufactured. In addition to needing this to change title on the home, it’s an important document when it comes to obtaining homeowners insurance for a mobile home in Colorado.

Homeowner’s insurance is usually considered a necessity for people who own a traditional home. It’s just as important for anyone living in a mobile home. This is true whether the individual in fact owns the home, or rents it. When a person rents a mobile home they only need insurance to cover the replacement cost of their belongings. The dwelling itself will be insured by the person who owns the home, typically the landlord. prefab homes colorado

Whether a person is indeed the homeowner, or they rent the mobile home, they should take special care when it comes to insuring valuable items. This may be jewelry, artwork or even antique furniture. A typical homeowner’s insurance policy has limits in place for these types of items and if you believe your belongings are worth more, it’s a good idea to ask about a rider, which allows you to insure specific items at a higher value. The homeowner may need to show proof of the estimated value in the form of an appraisal, but this isn’t always the case. It’s best to check with your homeowner’s insurance agent for full details.

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