When buying homeowners insurance for mobile homes, you should take a moment to remember that “mobile” and “trailer” aren’t the same thing. Trailers are one type of mobile home, but “mobile home” covers a very wide range of various types of homes.

You have pre-fabs, for instance. Some homes are considered mobile simply because they come in a kit. Maybe technically they’re not really “mobile”, but as far as insurers are concerned they are. You also have homes that come in interlocking pieces. Again, not technically mobile (or at least, not since those two halves were hauled down the interstate and put together), but as far as the insurers are concerned, it’s covered under mobile home insurance.

You should also take a moment to consider the specific risks that a mobile home owner takes when shopping for homeowners insurance quotes online. You’re considering, for instance, landslides. True, all homes are at risk for landslide, but mobile home owners are at a slightly higher risk, so getting a good deal on this, as well as fire, ice or snow collapse, falling objects and so on is very important.

Even the sturdiest mobile home is still going to be more lightweight than a traditional home, and so, will be more at risk to heavy wind, rain, hurricanes and so on. Just make sure that you’re covered against all of the risks one takes as a mobile home owner, as well as all of the risks we take as home owners in the first place, from vandalism and theft to lightning, earthquakes and explosions, as well as liability to ensure that you’re covered if someone injures themselves on your property.

You should look into the discounts available to you. Your insurer might not ask, so make sure that they know about your monitored alarm system, your deadbolts, your concrete anchoring, ask about multi-policy deductions, senior discounts, anything you think you might qualify for. Every discount and deduction counts, so make sure to ask, even if you think it’s a long shot. You never know when your military history, knowledge as a repairman or even your safe driver history and clean criminal record will help you save a buck or two on your final insurance costs.