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All You Need to Know About Mobile Home Insurance: An Interview with Deborah Fullwood of Bruner's Insurance of Egypt Lake

By Deborah Fullwood

Tell us a little bit about your company and the services you offer.

Bruner's Insurance of Egypt lake has been in the Tampa area since 1993. We are an independent agency who shops impartially for the best rate and coverage to meet the needs of our policy holders. Our experienced agents can offer knowledgeable advice on all lines of insurance.

Is there something about getting insured that most mobile homeowners don't know that they should know?

The Mobile Home insurance market may still be pretty limited based on where you live in the state. Living in a mobile home park may provide better rates than being on a large piece of property.

How would you suggest that a new mobile homeowner approaches "shopping" for mobile home insurance? At what point should they start the process?

We suggest when shopping rates for coverage, knowing the make, model, manufactured year, length and width are very important.

What do you consider "adequate" coverage for a new mobile home and how do you determine the amount?

When considering adequate coverage the age of the home will determine if a policy will offer replacement cost or Actual cash value.

Why do mobile home insurance rates/premiums increase? Is there any way to prevent this?

Rates for MH are usually determined based on data accumulated from claims paid out, repair/replacement cost, location and age of home along with other factors. Consider providing any proof of credits that may provide discounts such as alarms and tie down credits.

What are some of the most important decisions that mobile homeowners need to make about their coverage?

While coverage provided by a carrier is not coverage to pay loans or liens in the event of a loss, it's still important to include any features or amenities the home has to provide adequate coverage limits.

What's the best way for people to contact your company?

Bruner's Insurance of Egypt Lake office is open Monday through Friday 9:00 am-5:30 pm, However, we can be contacted 7 days a week 24 hrs. via email, our website at brunersinsuranceservices.com, or voicemail that goes direct to cell phone.

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About The Author

Deborah Fullwood is owner and agent at Bruner's Insurance of Egypt Lake.

Phone: 813-935-3500

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