Diehl Insurance Agency |
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Protect your Home and Mobile Home with Diehl
For a quick estimate of the amount to rebuild your home, multiply the local building costs per square foot by the total square footage of your house. To find out the building rates in your area, consult your local builders association or real estate appraiser.
Factors that will determine the cost to rebuild your home:
· Local construction costs
· The square footage of the structure
· The type of exterior wall construction: frame, masonry (brick or stone) or veneer
· The style of the house (ranch, colonial)
· The number of bathrooms and other rooms
· The type of roof
· Attached garages, fireplaces, exterior trim and other special features like arched windows.
We do an in-house no charge appraisal from our estimator forms when we quote a homeowners policy for a client but for an actual appraisal a homeowner must pay an appraiser to perform this service for them. Pennsylvania passed a law a few years back that an appraiser must now be licensed and attend continuing education just to prepare an appraisal. These appraisals are then used by banks for loans, estates for settlement, homeowners considering putting their homes on the market or even a buyer looking to purchase as some examples. We are licensed also and have continuing education requirements for insurance operations but not for appraising, with each application we must prepare company prepared appraisal forms with submission but we do not have appraisal licenses.
Mobile Home Insurance...
Mobile home insurance policy coverages include:
o Insurance coverage includes damage to the manufactured home due to perils including windstorm damage, fire, lightning, damage from falling objects and explosion. Additional perils may or may not be included, depending upon your specialty insurance company’s guidelines. Replacement Cost insurance coverage for your prefab home is costly but worth it- check to see if this available.
o Purchasing manufactured home insurance from a specialty insurance company means you can also buy coverage for your personal property. Replacement cost coverage for your personal effects may also be covered by your mobile homeowner’s insurance policy.
o Adjacent structures coverage where available provides insurance coverage for buildings outside of your mobile home, like a garage or shed.
o Personal liability coverage is typically included when you buy mobile home insurance. This provides insurance coverage if you or someone on the mobile homeowners policy unintentionally cause property damage or bodily injury to a non-family member.
o Additional coverages not included in the prefab home insurance policy but that you might want to buy include a personal property floater, to cover collections and items of high value in your home. Finally, consider increasing your limits of coverage on your personal property and liability to make sure you have enough insurance.
o Package mobile home insurance coverage includes coverage for the home, personal effects and personal liability.
Flood Insurance...
Many banks demand this coverage when a loan is rewritten. Many homeowners are not aware they should have it or want to take the risk they won’t need it….a bank will not risk their funds on an area showing the need for it. We have it. Please E-mail us to have a representative contact you to supply you with a quotation. Quotes are free. May We Help You?
Travel Insurance...
When you purchase insurance from travel agent or cruise company it is generally secondary protection. This means you are only paid a set amount of money out of your pocket AFTER all other means are exhausted. Traveling out of the country often presents separate problems, most facilities demand payment upfront, by you, on your credit card. Then when you return home it is up to you to see if these items are covered under your medical insurance. Sometimes your health insurance will not pay full amount but instead an 'agreed amount', or you have co- pay issues, high deductibles. All of these items magnify in the event of an injury when you are not in a mental state to pursue insurance company rejections. We have PRIMARY insurance coverage available. This is a huge benefit if you ever get injured, become ill or have cause to be hospitalized in a hospital outside of your familiar territory. Quotes are free, no medical questions, all I need is your date of birth and trip information. Give us a call for this valuable protection. If you purchase the policy within fifteen days of your initial trip deposit pre-existing conditions are covered, a wonderful benefit at no additional charge.
Your home may be one of the most important assets you own, protecting it is just as important to you as buying it was. We have choices. Our selection of companies allows us to shop for you, not all companies ‘fit’. Location, age, use, construction, protection, and many more variables all matter to companies. We work hard to place you in a company that wants your risk and will be there for you when you need them most. Please E-mail us to have a representative contact you to supply you with a quotation. Quotes are free.
May We Help You?
