Mobile home insurance | Statewide Insurance Agency

Essential Maintenance Tips for Your Manufactured Home

Von Nix — Thu, 12 Oct 2023 15:22:21 +0000

At Statewide Insurance Agency, we understand that owning a manufactured home in Oklahoma comes with its unique set of responsibilities. Regular maintenance is essential to protect your investment and ensure the safety and comfort of your family. In this blog post, we’ll provide you with valuable tips for maintaining your manufactured home, with a focus on aspects that differ from traditional homes built on foundations. Plus, don’t forget to contact our agents at Statewide Insurance Agency for the best rates on Manufactured Home Insurance to protect your investment fully.

Skirting Inspection and Repair:

The skirting, the protective barrier that encloses the bottom of your manufactured home, serves as a vital line of defense against pests and moisture. Regularly inspect the skirting for any damage, holes, or gaps that might allow unwanted guests or moisture to enter. Keeping your skirting in good condition is essential for the overall well-being of your home.

Weatherproofing and Insulation:

Manufactured homes may have different insulation needs than traditional homes. Make sure your insulation is in good condition and replace any damaged or missing insulation promptly. Additionally, seal any gaps or cracks around doors, windows, and other openings to prevent drafts and save on energy costs.

Roof Maintenance:

The roof is one of the most critical components of your manufactured home. Inspect it regularly for signs of damage or wear, paying close attention to seams and seals. To prevent clogs and water pooling, clear debris, leaves, and branches from the roof regularly. Address any roofing issues promptly to avoid costly repairs down the road.

Anchoring and Leveling:

Proper anchoring and leveling are crucial for the structural integrity of your manufactured home. Ensure that your home is securely anchored to its foundation or supports as required by local regulations and manufacturer recommendations. Periodically check for signs of settling or unevenness and adjust the home’s leveling as needed.

Underbelly Inspection:

Some manufactured homes have an underbelly covering that protects pipes and insulation. Regularly inspect and repair any damage to the underbelly. Ensure that heating ducts and plumbing pipes are adequately insulated, especially in colder climates, to prevent freezing and potential damage.

Plumbing and Electrical Maintenance:

Plumbing and electrical systems in manufactured homes require routine inspections. Look for leaks in the plumbing and ensure water pipes are well-insulated in colder weather. Likewise, have your electrical systems checked by a qualified electrician periodically to maintain safety and functionality.

Ventilation:

Proper ventilation is essential to prevent moisture buildup, which can lead to mold and mildew issues. Ensure that your home’s ventilation system, including vents and fans, is functioning correctly to maintain a healthy indoor environment.

Get the Right Coverage:

Taking these essential maintenance steps will go a long way in preserving the value and longevity of your manufactured home in Oklahoma. To provide complete protection for your investment, don’t forget to reach out to our experienced agents at Statewide Insurance Agency for the best rates on Manufactured Home Insurance. Our experts are here to help you find the perfect coverage to ensure your home and possessions are secure, giving you peace of mind for years to come. Contact us today to get started! Your manufactured home deserves the best insurance protection available.

The post Essential Maintenance Tips for Your Manufactured Home first appeared on Statewide Insurance Agency.

Compare Home Insurance Quotes in Oklahoma City

Von Nix — Mon, 11 Mar 2019 09:32:03 +0000

Travelers, Safeco and Progressive Insurance are 3 of our favorite homeowners insurance and automobile insurance providers to quote and sell in Oklahoma because…..

1. they offer excellent coverages

2. their claim service is what you expect it to be and

3. they offer rate stability….they don’t price gouge you on your renewal.

You can always get a quote easily on our website. Click here to get one now.

Most Independent Insurance Agents represent 10 or more companies homeowner insurance companies in Oklahoma and they are usually willing to quote any of them. That is where Statewide Insurance Agency is different….we only quote products of companies with proven track records of price, coverage and service stability.

Furthermore, you do not have to ask us to review your home insurance policy when it renews…..we do it automatically as one of the agencies most important processes.

Please consider Statewide Insurance Agency the next time you need a quote on your home or car insurance in Oklahoma.

The post Compare Home Insurance Quotes in Oklahoma City first appeared on Statewide Insurance Agency.

Mobile home improvement ideas

Von Nix — Mon, 13 Jul 2015 20:17:22 +0000

Thinking of repairing the floors, countertops, walls or windows in your mobile home? Check out these helpful and inexpensive home improvement ideas. http://bit.ly/1GhaaEu

The post Mobile home improvement ideas first appeared on Statewide Insurance Agency.

Mobile Home Insurance Oklahoma Affordable

Von Nix — Wed, 30 Jan 2013 02:33:09 +0000

I’m very pleased to announce our new partnership with National Security Insurance Group (Nasdaq – NSEC). As an authorized agent for National Security, Statewide will be able to offer Oklahomans’s quotes on one of the finest mobile home insurance products in the state at a price that is usually substantially less than their competitors.

https://okstatewide.com/services/home/manufactured-homes/

The post Mobile Home Insurance Oklahoma Affordable first appeared on Statewide Insurance Agency.

Does My Homeowners Insurance Cover Flooding?

Insurance Information Institute — Wed, 30 Jan 2013 02:08:47 +0000

Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program – NFIP (888-379-9531) and from a few private insurers.
The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. The NFIP policy provides replacement cost coverage for the structure of your home, but only actual cash value coverage for your possessions. Replacement cost coverage pays to rebuild your home as it was before the damage. Actual cash value is replacement cost coverage minus depreciation so that the older your possessions are, the less you will get if they are damaged. There may also be limits on coverage for furniture and other belongings stored in your basement.
Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. But flooding can also occur in inland areas and away from major rivers. Consider buying a flood insurance policy if your house could be flooded by melting snow, an overflowing creek or pond or water running down a steep hill. Don’t wait for a flood season warning on the evening news to buy a policy—there is a 30-day waiting period before the coverage takes effect.
Excess flood insurance is also available from some private insurers for those who need additional insurance protection over and above the basic policy or whose community does not participate in the NFIP. Depending on the amount of coverage purchased, an excess flood insurance policy will cover damage above the limits of the federal program on the same basis as the federal program—replacement cost for the structure and actual cash value for the contents.
Excess flood insurance is available in all parts of the country—in high risk flood zones along the coast and close to major rivers as well as in areas of lower risk—wherever the federal program is available. It can be purchased from specialized companies through independent insurance agents, or from regular homeowners insurance companies that have arrangements with a specialized insurer to provide coverage to their policyholders.
To find out whether private primary flood insurance is available in your area, contact your insurance agent.

http://www.iii.org/

The post Does My Homeowners Insurance Cover Flooding? first appeared on Statewide Insurance Agency.

OKC Spotlght Article

Von Nix — Wed, 17 Oct 2012 18:49:22 +0000

Local Profile: Statewide Insurance Agency

By admin · Wednesday,June6th,2012

Statewide Insurance Agency www.OKStatewide.com 405-285-2929

Together, Von and Cheryl Nix have more than 40 years of knowledge and experience in the insurance industry most of us grew up with, but their new business concept is modern and booming.

The Nixes had previously worked for a captive insurance agency, meaning they were required to sell for that one agency.

In 2009, Cheryl left the captive agency and started Statewide Insurance Agency with the intent of giving customers more solutions to their insurance needs.

Von says he could easily see the benefits in the customers’ favor and joined Cheryl at Statewide in April 2012. “Because we are an independent agency, we can usually offer our customers better rates and better coverage because we represent multiple companies. We have the ability to shop many different insurance companies until we find the best fit for each particular customer’s needs.”

Statewide specializes in personal lines – home, auto insurance, boats, renters’, personal umbrella policies, trailers, landlord policies, etc. Von says this is yet another realm that sets Statewide apart from other insurance agencies. “Most agencies want to do everything for everyone. We’re not like that. By specializing, we give better service, are more accurate and our overall processes are better.”

Customers come first at Statewide. The Nixes say they take pride in trying to answer all incoming calls, rather than allowing clients to get voicemail. They strive to be accurate in their work, avoiding second requests. Again, this all points back to streamlining, or specializing the products they sell.

The uniqueness of their business doesn’t stop there. Statewide serves customers in Bethany, Del City, Edmond, Midwest City, Moore, Mustang, Norman, Oklahoma City and Yukon and will soon be authorized to offer the AARP’s Auto and Home Insurance Program through The Hartford to these and other surrounding areas.

Von says his favorite part of his job is watching the insurance work. “I love watching a claim be successfully handled in order to get the customer back to where they where prior to the loss. Oftentimes, people buy insurance because they have to have it. I get great satisfaction in watching the service that people are buying actually get used.”

The relationships that are forged, even under the toughest of circumstances, are some of the biggest job rewards for Von and Cheryl.

“The truth is a lot of people rely on the agent to set up the policy the right way. When there’s a total loss, it’s usually a fire or a tornado. That’s when you find out how good your insurance is,” says Von.

Von says when people are displaced and they help them get into temporary housing, the insurance is working the way it should and those people know Statewide helped them, it’s a great feeling. “When customers pick up the phone and say, ‘Hey, I appreciate what you did. Thank you’… I know what I’m doing is making a difference.”

Statewide Insurance Agency www.OKStatewide.com 405-285-2929

The post OKC Spotlght Article first appeared on Statewide Insurance Agency.

Mobile Home Insurance Oklahoma Rates Stable?

Von Nix — Sat, 18 Aug 2012 19:08:41 +0000

Mobile home insurance rates in Oklahoma have shown more stability than the rates of site built homes over the last 4 years. Mobile home rates have certainly increased over the last several years; however, the increases have been much less dramatic than those of site built homes.

Part of the reason for this may be due to the fact that many mobile homes in Oklahoma are on acreages in rural areas. When a hail storm hits these areas, an insurer may get 5 or 10 claims from customers that have been impacted. When that same hail storm rolls through Oklahoma City or Tulsa, that same insurer ends up with 500 to 1000 claims. In other words, the geographical diversity of mobile homes in Oklahoma allows the insurance company to “spread” their risk and be less prone to the widespread damage that has pounded the metropolitan areas of Oklahoma the past 4 or 5 years.

Click to visit our page dedicated to Oklahoma Mobile Homes: https://okstatewide.com/services/home/manufactured-homes/

The post Mobile Home Insurance Oklahoma Rates Stable? first appeared on Statewide Insurance Agency.