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Comprehensive Mobile Home Insurance with Sargent Insurance Agency

Tailored Protection for Your Mobile Home in Little Rock, Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Mobile Home Insurance Provided By Our Agency

Due to their unique construction and susceptibility to certain weather conditions, such as wind storms or floods, manufactured and mobile homes typically do not qualify for traditional homeowners insurance. This is where mobile home coverage becomes essential.

What is Mobile Home Insurance?

Mobile home insurance offers extensive protection for you and your home in Little Rock, Arkansas. It safeguards your mobile home's structure and personal property and provides liability coverage to protect against potential lawsuits. For instance, if your mobile home or its contents suffer physical damage from perils such as fire, hail, theft, or vandalism, a mobile home policy generally covers the repair or replacement costs. Additionally, structures on your lot, such as patios or garages, and your personal belongings are usually covered.

Types of Mobile Home Insurance Coverage

Physical damage coverage and personal liability coverage are the two primary forms of coverage that are usually offered by mobile home insurance policies. These choices apply to seasonal mobile homes, commercial mobile homes, rental mobile homes, and mobile homes situated in parks or on private property.

Physical Damage Coverage
This covers accidental damage to your mobile home, belongings, or other structures (like attached patios, decks, garages, and storage sheds) caused by wind, fire, hail, theft, vandalism, or falling objects. Like standard home insurance, flooding is not covered, but separate flood insurance can be obtained if you live in a flood zone.

Personal Liability Coverage
This safeguards you if your actions cause harm to someone or damage to their property. Claims can cover medical expenses, lost wages, pain and suffering, and property damage to others. Please be aware that liability coverage does not include coverage for injuries to you or your household members. If the amount of insurance required to cover your assets exceeds what is included in a mobile home insurance policy, additional liability insurance should be considered.

Peril policies offer basic insurance coverage and only cover specific types of losses. While the low premiums might seem appealing, they won't protect you if your mobile home is damaged by anything other than the specified perils. In such cases, you must cover repair or replacement costs yourself.

Why is Mobile Home Insurance Important?

You've invested a lot to acquire your home and belongings, but unexpected events such as fires or severe hailstorms can cause significant damage. In Arkansas, weather conditions can be unpredictable, making it even more crucial to have the right insurance coverage.

Mobile home insurance is crucial if you lack sufficient funds to repair major damage to your home or replace most of your belongings at once.

Mobile home insurance is often customized based on your home's model and design. Contact us at Sargent Insurance Agency, 7107 West 12th St. Suite 103 Little Rock, AR 72204, to discuss the right coverage and ensure your mobile home is adequately protected with the right insurance.

Already have Mobile Home Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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