The Vitality of Renters Insurance in Manufactured Housing Communities

As more and more people choose to live in Manufactured Housing Communities across the US, the companies providing services are starting to pay attention and focus on this type of housing. 

One important service is homeowners and renters insurance. In the past, it was hard to find insurance that specifically covered manufactured homes, but now there are companies that specialize in this type of coverage and offer different options to choose from. They make it easy for people living in manufactured homes to get the insurance they need to protect their belongings and home. 

CoverTree is one of the emerging insurance companies that our residents are choosing and are happy with. “My agent was wonderful, the process was so easy and fast and I'm saving more money than what I was spending on my last policy” says Kathi Watson a Roots resident who recently switched to CoverTree for renters' insurance. 

Watson isn't alone; here are what other Roots residents have to say: 

This is a refreshing change in the manufactured home industry. When it was perceived that manufactured homes were risky compared to traditional homes, fewer options were available to those living in manufactured homes. As well as manufactured home communities having specific requirements or regulations to restrict insurance choices for residents further. 

CoverTree's commitment to making insurance easy, affordable, and flexible has helped increase the number of renters to carry insurance despite it being required in the lease agreement. “We can offer the best value at a low cost for the customer,” says Dillon Kirby, Head of Growth at CoverTree. “Manufactured homes are appreciating assets and people have the right to protect their assets, so we are making it easy and effortless.”  

CoverTree's fully digital platform allows you to obtain a quote and purchase a policy all from the comfort of home. The convenience of their services is further complemented by the availability of knowledgeable insurance agents ready to offer personalized assistance and support. With CoverTree’s, expect remarkable customer service that goes above and beyond. 

Customizable Coverage for Your Needs: 

CoverTree's policies offer a wide array of coverage options, including personal property protection and liability coverage. Furthermore, you can enhance your policy with add-ons like earthquake coverage, water backup protection, and identity fraud coverage. With CoverTree's expertise encompassing various factory-built homes, they cater to diverse needs, be it a manufactured home, a modular home, a tiny home, or a park model home. 

Where you're located can also impact on your insurance and pricing. CoverTree realizes that many manufactured home communities are located in areas prone to natural disasters such as hurricanes, tornadoes, or wildfires. And homeowners may have insurance for the structure. Tenants must secure their belongings with renters' insurance.  

The Importance of Renters Insurance in Manufactured Home Communities: 

As part of our commitment to fostering a secure and welcoming environment, Roots Management Group requires renters insurance as a prerequisite in its leasing agreements. CoverTree offers: 

• Protection for Personal Belongings: Renters insurance safeguards personal belongings against theft, vandalism, fire, water damage, and other covered perils. Whether it's clothing, electronics, furniture, or cherished family heirlooms, this insurance covers replacement or repair, sparing residents from significant financial losses. 
• Liability Coverage: Accidents can happen anywhere, and in closely-knit communities like manufactured home parks, residents are not exempt. Renters insurance includes liability coverage, shielding tenants from potential lawsuits in case of accidental bodily injury or property damage to others within the community. 
• Additional Living Expenses: In unfortunate events where a covered incident renders the manufactured home temporarily uninhabitable, renters insurance can cover additional living expenses. This ensures residents have a place to stay while their home undergoes repairs, maintaining their standard of living. 
• Peace of Mind: The most significant advantage of renters insurance is the peace of mind it offers. Knowing you are protected financially and legally against unforeseen events allows you to focus on building a thriving life within your manufactured home community. 

By partnering with CoverTree, Roots Management Group strives to secure the well-being of its residents and make the insurance process effortless. Protect your investment and belongings while enjoying the comfort and affordability of manufactured home living.  

To explore your renter's insurance options, contact CoverTree at team@covertree.com or call 877-417-8733. You can also reach out to Dillon Kirby directly at 248-417-5589 or dillon@covertree.com