Q: I live in a mobile home and have noticed that insurance agents are not exactly knocking down my door to sell me a policy. What is TW’s philosophy on covering mobile homes?

A: TW considers mobile homes, despite representing a distinct minority of housing units, a significant market under our homeowners’ insurance. We do pay attention to pride of ownership and, as is the case with other homes, we’ll cover not only the primary residence, but other structures on the premises and your personal possessions. If you cannot live in the home due to damage or destruction, we can also help you with additional living expenses.

Did You Know?

Andrew Castaldi, a natural hazard expert for Swiss Re, says, "Despite 2013 being a relatively quiet year, we expect insured losses on average to continue to grow at a pace of doubling every 10 years."  Castaldi continued, "Overall, we were pretty lucky, especially in the United States, but we should never lose sight of how devastating these events can be."