The state of Maryland ranks fairly high when compared to other states in frequency of tornadoes.
It actually sits in the fifteenth spot for states with the most tornadoes each year.
Even though the majority of tornadoes never cause any substantial damage, this isn't always the case.
Homeowners insurance for a mobile home in Maryland is designed to aid the individuals living in the dwelling in the event damage does occur.
For someone renting a mobile home they are only going to need to purchase replacement coverage for their belongings.
Typically this means taking an inventory of all the items in the home and then determining how much it would reasonably cost to replace all of them.
The policy they purchase is based on this amount and every year when it comes due for renewal it should be reviewed.
Many people purchase new electronics or furniture items during the year and therefore changing the level of coverage may be warranted.
If a person owns the mobile home they need to also buy coverage on the dwelling itself.
In addition if they have any other buildings on the property those will also need to be insured.
The replacement cost is reflective of how much it's expected the homeowner would need to pay to purchase another similar home.
Obviously for someone with a brand new manufactured home they'll need more coverage than someone who purchased a used mobile home.
It's also a good idea to be aware of any discounts that the insurance company offers.
They may propose a reduced rate if the homeowner buys auto insurance from them as well.
Often times if a mobile home is located close to a fire hydrant, that results in a reduced premium too.
Having a fire extinguisher within the home is not only a good safety measure it can also help to lower the policy cost slightly.
The best approach when it comes to discounts is to inquire about any that are available with the insurance agent you are working with.