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?

In dealing with claims, TW relies on a network of adjusters with Chief Claims Officer Dave Schweitzer at the helm. Schweitzer says there were about 2,200 claims between TW and Keystone National Insurance Company in the previous year, with in-house adjusters handling about 58 percent of them. The rest are handled by independents, a number of whom have draft authority of up to $5,000 for quick payment of damages.