Prins Insurance, Inc.
5517 N Cliff Ave
Sioux Falls, SD 57104

Phone: (605) 332-5300
Toll Free: 1-800-332-5310
Fax: (605) 332-3269
email: sales@prinsinsurance.com

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We are pleased to offer you the following quote for insurance on your mobile home.   We represent an insurance company who offers this coverage at an annual premium of $TotalPremium$.

You can pay $TotalPremium$ in full for a year,  you can pay $SemiAnnualPremium$ to start the policy and $SemiAnnualPremium2$ five months later,  or you can pay $Downpayment$ to start the policy and three quarterly payments of approximately $payments$.

The premium and coverage are based on variables you chose concerning your mobile home and are subject to underwriting eligibility.  

The premium is based on your mobile home being built in $buildingyear$ and located $location$ of $fireCity$.   A wood burning fireplace or stove is acceptable with an additional charge of $30.    

The coverage and limits are as follows:

Value of your mobile home:  $NumberValue$

Structures not attached to your mobile home: $OtherStructures$

Personal Property - Replacement Cost Coverage:  $PersonalProperty$

Deductible on Property Coverage: $dollarded$

Loss of Use: $LossOfUse$

Family Personal Liability: $numberliab$

Medical Payments: $500.

  MOBILE HOMOWNERS INSURANCE EXPLAINED 

A Mobile Homeowners Policy is a package type of policy, which means that it includes protection against several types of losses.

Our policy includes coverage for the following items.   These are our own definitions.  The actual policy itself should be read for exact coverage, definitions, and exclusions.

THE MOBILE HOME

The coverage pays claims for damage to your Mobile Home.  Your mobile home is covered for an actual cash value up to $NumberValue$   

$FullRepairCost$

THE UNATTACHED STRUCTURES

This coverage pays claims for damage to structures not attached to your mobile home, such as garages, sheds, workshops, patios, etc. These structures are covered for values up to $OtherStructures$  At your option, this amount can be increased for an additional premium of $extraos$ for each $1000.

THE PERSONAL PROPERTY

This coverage pays claims for damage to the contents of your mobile home. The contents have been quoted on a replacement cost basis. This means that losses to your personal property are insured for replacement value with no deduction for depreciation.  As an example, if your television is destroyed in a fire, the policy will pay for a new television of equal quality and features less your deductible.

Your personal property is covered for a total replacement cost value of $PersonalProperty$  At your option, this amount can be increased for an additional premium of $extrapp$ for each $1000.

THE PERSONAL PROPERTY ITEMS WITH LIMITS

Certain personal property has specified limits of coverage, and to increase the limits, additional premium is charged.  The following items have special limits and should be checked by you. Limits should be increased if needed: 

1. $200 limit for money, bank notes, bullion, gold, silver, coins, and metals.

2. $1000 limit for securities, passports, tickets & stamps.

3. $1000 limit for watercraft, including their trailers, furnishings, equipment, and outboard motors.

4. $1000 limit for trailers not used with watercraft.

5. $1000 limit for loss by theft of jewelry, watches, furs, precious and semi-precious stones.

6.  $2000 limit for loss by theft of firearms.

7.  $2500 limit for loss by theft of silverware, goldware, and pewterware. This includes most items that are metal plated.

8.  $2500 limit on property on your premises, used at any time or in any manner for any business purpose.

THE PERILS YOU ARE INSURED FOR

Your mobile home, other structures and personal property have been quoted under a “special” form of property coverage. This is the best coverage available from most insurance companies. It includes all perils shown below plus any other peril not excluded in the policy.

Fire or Lightning
Windstorm or Hail
Explosion
Riot or Civil Commotion
Aircraft
Vehicles
Smoke
Vandalism or Malicious Mischief
Breakage of Glass
Theft or Attempted Theft
Falling Objects
Volcanic Eruption
Weight of Ice, Snow or Sleet
Sudden and accidental cracking, burning, or bulging of heating or air conditioning systems.
freezing of plumbing, heating, air conditioning systems.

Your policy will have a $dollarded$ deductible for each loss you may have on the property coverage.

 THE LOSS OF USE

In the event you could not live in your mobile home after an insured peril occurs, this coverage pays claims for temporary living quarters while you are waiting for repair work to be completed. You would also have necessary increased expenses for food and laundry paid for as well. The maximum limit of this coverage is $LossOfUse$

  FAMILY PERSONAL LIABILITY

This coverage pays claims for bodily injury or property damage for which you are legally responsible. This coverage normally excludes auto and business related claims.

You would be covered up to $dollarliab$ for each accident that happens during the year.

Claims examples would be:

You injure someone in a hunting accident.

Your child breaks someone else’s window with a baseball.

Someone is injured in or around your home.

This coverage also provides defense at the insurance company’s expense for personal lawsuits brought against you, even if that suit is groundless, false, or fraudulent.

THE MEDICAL PAYMENTS COVERAGE

Another coverage included is for medical payments to a non-policy holder. Medical payments can be made to others for up to a $500  limit per person. This will often prevent going to court to see whose "fault" it was. The amount paid to others will cover many minor accidents, regardless of who was responsible.

If there is a serious accident on your property, and you are legally responsible, your personal liability coverage will take over with the limit quoted of  $dollarliab$.

SUMMARY

Thank you for reviewing our mobile home insurance quotation.

TOTAL PREMIUM QUOTED IS $TotalPremium$ FOR A ONE YEAR TERM.

Please call us at 332-5300 to purchase the policy.

Sincerely,

Your staff at Prins Insurance Inc

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