In Texas, you can make some changes to your mobile home insurance. You may decide to upgrade your coverage by adding some riders to it or decide to remove some features. However, such changes must be made before you renew your policy. The changes will take effect upon renewal. Your property insurance agent can help you with making changes to your mobile home insurance. Make sure to discuss your options with them before embarking on making any changes to your policy.
You can make the following changes to your mobile home insurance policy in Texas:
Payment option - If you have been paying your premium monthly before, you can change to a lump-sum yearly payment or vice versa
Deductible - You may decide to increase or reduce your deductible. Since deductible affects premium, you may want to opt for a higher deductible so as to reduce the amount you pay as premium or vice versa
Coverage limit- You may decide to increase or reduce your coverage amount. This may happen if you have over-insured or under-insured your mobile home
In Texas, you can make changes to your mobile home insurance coverage by:
Speaking with your property insurance agent - The insurance agent through whom you purchased your mobile home insurance policy can help you to make some changes to it. After discussing your intention with them, your agent can help you assess your insurance needs to know if you need to make such changes or not, and advise as appropriate. Your independent property insurance agent can help you speak with your insurer to initiate the changes
Contacting your insurer directly - If you did not purchase your mobile home insurance through an independent property insurance agent, you can contact your insurer directly to inform them of your decision to make some changes. The insurer will most likely assign an agent to help you through the process
Speak with a licensed Texas property insurance agent to discuss the potential changes in your mobile home insurance coverage.