What You Need To Know About Mobile Home Insurance Benefits


If you live in a mobile home, you may be wondering what mobile home insurance benefits you can get to help protect your home. In the event of unforeseen circumstances like fires or natural disasters, it’s best to be prepared with the policy that suits you best. Coverage can vary, but here are a few key things you should know.

Physical Damages Are Often Covered

Most mobile home policies will cover not only your house itself but any attached structures and your belongings as well. In many cases, physical damages will be covered, especially if they’re the result of:

  • Fire
  • Theft or vandalism
  • Hail
  • Windstorms
  • Explosions

Additionally, you may be able to add extra liability coverage to your policy, in the event of accidents occurring at your home. This could be helpful in the event of a lawsuit.

It May Help You Get a Mortgage

While having insurance for your mobile home isn’t legally required, it may make mortgage companies more likely to work with you. This means having insurance not only protects the home but could help you secure a mortgage for it.

When your mobile home needs protection from unexpected events, there are several mobile home insurance benefits that can help. In case of an emergency, the right policy can be a lifesaver.

Standing Out in the Insurance Market

Insurance Market

 There is a lot of competition in the insurance industry, and sometimes it is more beneficial for two providers or companies to merge to best serve the market and their longevity. This was the case when Republic Insurance acquired a business deal with Starr International Co. Inc. The changes were able to bring customized casualty and property insurance products to a new region and provide clients with more access to claims management, loss control, and reinsurance services.

Signs of a Good Insurer

The many options in the insurance market can make it difficult to find companies that will be meet your coverage needs. Making your company stand out from the rest requires that you implement a few of these best practices.

  1. Don’t always upsell the customer. Your company should provide the client with the most holistic view of their coverage needs even if it isn’t your most expensive policy.
  2. Be transparent about your pricing. Your customer needs to know what they are paying and what they are paying for. Mergers can often lower premium costs while expanding service opportunities.
  3. Empower the customer with information. Make sure your clients have the resources they need to understand their risks and liabilities. These factors impact the cost and nature of coverage.

Stay competitive in a crowded market with these best practices, but always look for other creative growth options.

Where Does My Experience Modification Rate Come From?


If you’re a business owner or manager, a big concern is how much you will have to pay for insurance coverage, particularly with regard to worker’s compensation. A key question when planning an operations budget is “how do I find my experience modification rate”?

What Is EMR?

The experience modification rate (EMR), is used by insurance companies to try to determine the risk of your company’s future workman’s compensation claims, taking into consideration your past claims. The starting point for determining your rate is the standard for the industry that you are in. From there, it can go up or down depending on your actual claims history.
Simply put, if you have filed fewer claims than typical for your industry, your rate will be less. If you have filed more claims, it will be more. Insurance companies will look at your last three years of claims in order to make their determination so, as discussed on https://www.nsins.com, improving worker safety today can have an effect the next time your policy is reviewed.


Actions such as making the workplace safer and increasing employee safety training will require some investment upfront but the rewards in fewer employee days out from injury and lower insurance premiums will make it worthwhile. It just may take a little time before it’s reflected in your bottom line.

The Difference Between Excess and Umbrella Insurance

excess liability vs umbrella

When shopping for insurance you may have heard the terms “umbrella” and “excess” liability insurance. Upon first glance, these policies seem to do the same thing. Both appear to pitch in when your starting, or underlying policies, fail to meet your particular claim’s need. However, they are actually two different coverages, and it is important to know what that difference is before you finalize your insurance package. Here is a brief overview of excess liability vs umbrella coverage.


As stated before, both insurance policies are purchased in case there is a scenario in which your initial insurance policies don’t have the limits and coverage you need. They are especially crucial for businesses as they can witness a whole array of incidents.


The difference lies in whether or not they provide an increase in coverage. Umbrella liability provides both higher coverage and increased limits. Umbrella can also be applied a whole number of your underlying policies. However, excess liability only includes an increase in limits. Excess liability does cover situations that are not already in your policy. This line can also be applied to only one policy at a time.

While the difference between excess liability vs umbrella coverage may feel confusing, please know that you likely require one or the other if you really to be fully protected.