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Moving a mobile home from one location to another in the state of Montana requires more than just hiring a professional team of movers. In order to relocate the home, the owner must file a written declaration with the treasurer of the county they are moving the home to. Not following these procedures can result in heavy fines.
There is another aspect of moving the home that has to be taken into consideration before it hits the open road. This is insurance and homeowner’s insurance for a mobile home in Montana doesn’t necessarily include provisions for transporting it. Depending on the policy and the company that issued it, transportation insurance can be an entirely separate type of coverage that needs to be purchased by itself when needed.
As for the day-to-day homeowner’s insurance that is in place for the mobile home, it should be substantial enough to enable the owner to purchase another manufactured home that is similar. Obviously if you purchased a used mobile home you won’t need to have as much insurance in place as someone who recently bought a late model one.
Your belongings also need to be carefully considered when you are buying mobile homeowner’s insurance. Just as some people have many furnishings and household items, other people live a much simpler life. It’s a good idea to sit down and take inventory of what you do own, including things like clothing, shoes, small appliances and electronics. Calculate how much you believe it would cost to replace all of those items and then base your possessions coverage on that. Evaluate this amount every year or two just in case you’ve either sold or discarded things or you’ve upgraded appliances or furnishings. It can be incredibly expensive when a family has to start over after a devastating fire, so ensure that you will be adequately covered in this regard.