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Getting mobile home insurance in Texas is similar to purchasing a standard homeowners’ insurance policy. Find out what’s covered, what’s not, and how where you live in Texas can impact your eligibility and pricing.

What Is Mobile Home Insurance?

Mobile home insurance provides financial coverage in the event your home or personal belongings are damaged during certain incidents. But there may be exceptions to the standard coverage available, depending on where you live in Texas. Areas prone to hurricanes, for instance, may need an additional policy.

And while a mobile home insurance policy includes both mobile and manufactured homes, you’ll need a standard homeowners insurance policy if you buy a modular home.

What Does Mobile Home Insurance Cover in Texas?

Most manufactured home insurance in Texas covers five types of expenses when damage is caused by a covered peril. These typically include:

•  Fire, smoke, or lightning strikes

•  Windstorm or hail

•  Falling objects

•  Vandalism or theft

•  Damage from an explosion, motor vehicle, blizzard, snow, sleet, or ice

Dwelling Coverage

When a covered peril occurs, your dwelling coverage helps pay for the cost to repair or rebuild your manufactured home. Decks, awnings, and any other attached structures are also covered. Your policy will come with a coverage limit, which is the maximum amount of financial assistance you’ll receive. It can be determined in one of two ways:

•  Replacement cost: Covers the cost to rebuild a new mobile or manufactured home based on current prices.

•  Actual cash value: Covers the value of the mobile home’s current condition, not how much it would cost to rebuild with new materials. While the policy is cheaper, the coverage limit is much lower.

Personal Property Coverage

Getting mobile home insurance in Texas also includes personal property coverage. There’s usually a limit, which is a percentage of your dwelling coverage (such as 50%). So if your maximum dwelling coverage is $100,000 and your personal property coverage is set at 50%, you could be reimbursed for up to $50,000 in damaged or stolen property.

Liability Protection

If someone who doesn’t live with you gets injured on your property, liability protection helps cover their medical expenses and legal fees. So if someone slips and falls on the steps leading into your mobile home, your liability coverage could kick in. Your policy will come with a maximum limit for this portion of coverage.

Additional Living Expenses

Also called loss of use coverage, this part of your homeowners insurance for mobile homes in Texas helps defray costs in case you have to stay in a hotel while repairs are being made. Your policy will have a maximum limit for ALE as well.

Other Structures Coverage

Other structures coverage applies to detached structures on your property, like a shed or a fence.

What Is Typically Not Covered?

There’s a lot of coverage packed into a standard mobile home insurance Texas policy. But some exceptions may require extra policies or paying out of pocket.

These scenarios include:

•  Damage caused by neglect or lack of maintenance

•  Earthquakes

•  Water backups

•  High-value items like jewelry or art

Flood, windstorm, and hail damage may require an additional policy, especially if you live on the Texas Coast, in Harris County, or on Galveston Bay. The Texas Windstorm Association (TWIA) provides coverage for properties in designated catastrophe areas, but you’ll need to meet certain requirements set forth by the Texas Legislature to qualify.

How Much Does Mobile Home Insurance Cost in Texas?

The cost of mobile home insurance in Texas varies depending on where you live. Other factors include:

•  Size and value of your home

•  Age of the manufactured home

•  Amount of coverage you want

•  Deductible amount

On average, expect to pay $1,500 and $2,700 per year unless you live in a higher risk area — then you could pay more.

Why Texas Mobile Homes May Require Special Consideration

Some areas of Texas are more prone to severe weather, which could cause either higher premiums or difficulty getting covered at all. But there are programs in place to make sure you can get mobile home insurance coverage no matter where you live. As previously mentioned, the Texas Windstorm Association helps mobile home owners in designated catastrophe areas.

There’s also the Texas Fair Plan Association. If you’re denied coverage by two or more traditional insurance carriers, you can apply for coverage with the TFPA.

How to Save on Mobile Home Insurance

Keep costs down when shopping for policies by asking for discounts, such as having a security system or fire sprinkler system. Some companies may also provide lower premiums when you bundle other insurance policies (like your auto) or have zero claims in the last three years.

How to Choose the Right Policy

Here are four steps to help you get quality manufactured home insurance in Texas:

•  Compare premium prices: Shop for multiple quotes and look at the annual policy cost and terms.

•  Look at coverage: The cheapest policy isn’t always the best. Find out how much coverage you get for dwelling, personal property, and other components.

•  Research claims: Ask what percentage of submitted claims are covered

•  Search customer reviews: This gives you a sense of the customer service experience.

Try to find a policy that balances an affordable quote with a positive reputation for service and claims handling.

Is Mobile Home Insurance Required in Texas?

You’re not legally required to have a policy in Texas, but your lender may require you to keep a policy if you used mobile home financing to purchase the property. If you don’t have a mortgage, the decision is up to you. Even though there’s an annual cost involved, mobile home insurance gives you a significant amount of financial protection in case your home is damaged by a covered event.

The Takeaway

Buying a manufactured home doesn’t mean you miss out on access to the same financial protections that are available with a “stick-build” home. Keep your home covered with the right policy for mobile home insurance in Texas. Ready to shop? Compare policies instantly from multiple carriers with SoFi.

If you’re a new homebuyer, SoFi Protect can help you look into your insurance options. SoFi and Lemonade offer homeowners insurance that requires no brokers and no paperwork. Secure the coverage that works best for you and your home.

FAQ

How much is mobile home insurance in Texas?

The cost of mobile home insurance in Texas varies depending on where you live, how much coverage you get, and the size and condition of your home.

Does mobile home insurance cover hurricane damage in Texas?

It depends on where you live. Most standard policies do include hurricane coverage, but you may not qualify if you live in high-risk areas of Texas, like the Gulf Coast.

Is flood insurance required for mobile homes in Texas?

Flood insurance may be required for your Texas mobile home if you live in a high-risk area and have a mortgage.

What is the difference between mobile home and manufactured home insurance?

There is no difference between mobile home and manufactured home insurance. Most insurers group them in the same type of policy.

Can I insure an older mobile home in Texas?

The age of your mobile home can impact whether or not you qualify for coverage. If you do qualify, you may have lower replacement cost limits, especially if the insurer uses actual cash value to calculate your dwelling coverage.

Photo credit: iStock/StefaNikolic

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-072

Flood insurance is designed to help homeowners, renters, and business owners cover losses caused by a flood. You can buy it to protect a building, the possessions in that building, or both.

Most standard homeowners policies don’t cover flood damage, so this separate insurance coverage is your best option for repairing or replacing property after rising water enters your home. In some areas, mortgage lenders can make buying flood insurance mandatory. Even if your lender doesn’t require flood insurance, you may want to consider it.

Read on for information that can help you decide if a flood policy should be part of your insurance coverage.

What Is Flood Insurance?

According to the Federal Emergency Management Agency (FEMA), just one inch of floodwater can cause up to $25,000 in damage, and that damage probably won’t be covered by your homeowners or renters insurance. You can, however, purchase a standalone flood insurance policy to help cover your losses.

A flood insurance policy is meant to cover losses directly caused by flooding or, as FEMA describes it, “an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.”

If your sewer backed up after heavy rainfall or rising inland or tidal waters flooded your property, the damage would likely be covered by flood insurance. But if the backup wasn’t caused by flooding, the damage wouldn’t be covered by flood insurance. (Whether it’s covered by your homeowners insurance depends on your individual policy.)

Most people get their flood policy through the National Flood Insurance Program (NFIP), which is managed by FEMA and works with a network of insurance companies across the country. But some private insurance companies also offer their own flood policies, which aren’t government-backed.

Recommended: Mortgage & Homeowners Insurance Definitions

What Is Included in Standard Flood Insurance?

The NFIP offers two types of flood insurance coverage: one that covers buildings and another that covers personal contents.

A policy purchased through the NFIP can reimburse up to $250,000 in building damage and typically covers:

•  Foundation walls, anchoring systems, and staircases

•  Detached garages

•  Electrical and plumbing systems

•  Furnaces and water heaters

•  Fuel tanks, well water tanks, pumps, and solar energy equipment

•  Appliances, including refrigerators, stoves, and built-in dishwashers

•  Permanently installed cabinets, paneling, and bookcases

•  Permanently installed carpeting and window blinds

An NFIP policy can provide up to $100,000 in personal property damage and typically covers:

•  Personal belongings, such as clothing, furniture, and electronic equipment (TVs, computers, etc.)

•  Valuables (such as original artwork and furs) up to $2,500

•  Portable and window air conditioners

•  Washers and dryers

•  Microwave ovens

•  Carpets that may not be included under building coverage

•  Curtains and other window coverings

What Doesn’t Flood Insurance Cover?

There are a few things NFIP flood insurance doesn’t cover, even if the damage is directly caused by flooding. Items that aren’t covered include:

•  Any property that’s outside the insured building (such as a well, septic system, deck or patio, fences, seawall, hot tub or pool, and landscaping)

•  Cars and most other self-propelled vehicles and their parts

•  Cash, coins, precious metals, stock certificates, and other valuable paperwork

•  Damage from mold or mildew that could have been prevented by the property owner

•  Financial losses caused by an interruption in business

Flood insurance also doesn’t cover costs incurred if you have to live in temporary housing because of damage to your property. Unfortunately, neither will the loss of use coverage you may have through your homeowners policy. (Loss of use coverage pays those expenses only when the reason you’ve been displaced is covered by your homeowners policy.)

Recommended: Does Homeowners Insurance Cover Water Damage

What Does Flood Insurance Cover in the Basement?

The NFIP’s coverage for flood damage in the basement is limited to some specific (usually permanent or attached) items and cleanup. Some examples of what should be covered include:

•  Central air conditioners

•  Fuel tanks and the fuel in them

•  Furnaces and water heaters

•  Sump pumps, heat pumps, and well water tanks and pumps

•  Electrical outlets, switches, and junction and circuit breaker boxes

•  Elevators, dumbwaiters, and related equipment

•  Unfinished drywall for walls and ceilings

•  Attached stairways and staircases

•  Foundation elements and anchoring systems required for building support

Most personal property kept in the basement isn’t covered, including clothing, computers, TVs, and furniture.

Where Can You Get Flood Insurance?

Federal flood insurance isn’t sold directly by the federal government. Instead, you can buy NFIP policies through private insurance companies, under what’s known as a Write Your Own program.

The NFIP partners with more than 45 insurance companies, so you may be able to work with the same insurance agent or broker who helped you purchase your home and auto policies to get flood coverage.

You can get help finding an NFIP provider online at floodsmart.gov/get-insured/flood-insurance-provider or by calling the NFIP at 877-336-2627. You can also check into any private, non-government-backed flood insurance policies that are offered in your area.

You may want to look at including flood insurance as part of your overall personal insurance planning. Don’t wait until you hear predictions of a storm heading your way to start inquiring about a policy, though. There’s typically a 30-day waiting period for a flood insurance policy to go into effect.

How Much Does Flood Insurance Cost?

Like most insurance, the cost of a flood policy can depend on the coverage type (building and/or personal contents), the size and age of the building covered, the risk level in your location (based on your flood zone), and other factors, including whether you’re buying a private or NFIP policy.

According to FEMA, the average cost of one year of coverage with an NFIP policy is $786. And though that’s not nearly as much as the average cost of a homeowners policy, it can still be a hit to many household budgets.

You may be able to lower the cost of a flood policy by choosing a higher deductible. You can also elevate your home’s electrical panels, heating and cooling systems, and other utilities so they’re less vulnerable to water damage.

For renters, the NFIP offers contents-only policies for as low as $100 annually.

You can also look for a competitive quote on a private flood policy that isn’t backed by FEMA and the NFIP. Just make sure you’re getting a fair price from a stable company that is capable of paying out claims in the event of a major flood.

When Is Flood Insurance Required?

If you have a government-backed mortgage and your home or business is in a high-risk flood area, you’re required to have flood insurance. If you don’t have a government-backed loan, your lender may still require that you purchase a flood policy. Even lenders in moderate- to low-risk locations may make it a loan requirement.

Recommended: Is Homeowners Insurance Required to Buy a Home?

Who Should Buy Flood Insurance?

Knowing your designated flood zone can help you decide whether you want to prioritize purchasing flood insurance. You can find your zone by entering your address at the FEMA Flood Map Service Center.

Structures in zones A and V are at the highest risk, while those in zones B, C, and X are considered at moderate to minimal risk. Keep in mind, though, that you can still experience flood damage even if you don’t live in a high-risk zone. According to NFIP data, more than 20% of all insurance claims come from moderate- to low-risk zones.

If you’re moving to a new area where flood insurance isn’t required, you may want to speak with your real estate agent or neighbors about the area’s history and potential for flooding.

How Much Flood Insurance Do You Need?

In many ways, shopping for flood insurance is similar to how you buy homeowners insurance. Calculating how much you’ll need will depend on what you plan to protect and what it may cost to replace if it’s destroyed.

In fact, whether you go with an online insurance company or a traditional insurer, your homeowners insurance company may give you an idea of the cost to rebuild or repair your home if it’s damaged. Then you can add on the value of your furnishings and other personal possessions to decide how much flood insurance you need. (If you’re a renter, you can purchase a policy that covers only your belongings.)

Remember, there are limits to how much coverage you can get through an NFIP policy ($250,000 for a building and $100,000 for the contents). If your needs go beyond those limits, you may want to consider buying excess flood insurance through a private flood policy.

Recommended: Does Renters Insurance Cover Floods?

The Takeaway

An average flood insurance policy for homeowners costs $786 a year. But most homeowners insurance policies don’t cover flood damage, which can leave a big gap when it comes to protecting your home and belongings. Purchasing a separate flood insurance policy can help fill that gap, and it can be an important part of your overall insurance planning.

Flood policies can cover the building itself, its contents, or both. Make sure you understand what isn’t covered by your policy, such as personal belongings stored in the basement or outside.

If you’re a new homebuyer, SoFi Protect can help you look into your insurance options. SoFi and Lemonade offer homeowners insurance that requires no brokers and no paperwork. Secure the coverage that works best for you and your home.

FAQ

What losses are covered by flood insurance?

A flood insurance policy covers direct physical losses caused by a flood. That could mean repairing or replacing your home, the furnishings and other belongings in your home, or both.

How do I know if I’m in a flood zone?

Everyone is in a flood zone, but some areas are at a higher risk than others. You can find your zone by entering your address at the Federal Emergency Management Agency’s (FEMA) Flood Map Service Center.

Is flooding covered by homeowners insurance?

Some types of water damage are covered by a standard homeowners policy, but flooding usually isn’t. For protection against a flood, which the Federal Emergency Management Agency (FEMA) defines as “an excess of water on normally dry land affecting multiple properties,” you’ll need a separate, dedicated flood insurance policy.

Photo credit: iStock/onurdongel

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-066

Have you ever watched somebody pull out a set of jumper cables and thought, “I really should learn how to jump-start a car someday”?

It isn’t a difficult process. But to avoid damaging your car or hurting yourself, you should perform each step carefully, in the correct order, and with the right equipment.

By learning how to properly jump-start a car battery by yourself, you can save time, money, and hassle. In this guide, we’ll cover how to jump-start a car, how long it can take, and what you’ll need to get the job done.

How to Jump-Start a Vehicle

Whether your battery is temporarily drained of power or truly dead, there are a few ways to get your car back on the road. The most important step is learning how before you’re stuck on the side of the road.

The most common method is to use a set of jumper cables and another car’s battery to give your car the charge it needs to get started. If you keep a portable jump-starter in your car, you may be able to give your battery a needed boost without anyone else’s help. And if you drive a car with a manual transmission, it might be possible to pop the clutch or push-start the car.

By the way, it helps if you have a good battery without a lot of corrosion on the posts. A 12-volt battery typically lasts around three to five years. Batteries can deteriorate faster if you don’t drive often. You may want to make checking the battery part of your routine to help save money on car maintenance.

Recommended: How Much Does Insurance Go Up After an Accident?

How to Jump-Start a Vehicle With Jumper Cables

Before you try to jump-start a vehicle for the first time, it’s a good idea to read the owner’s manual, just in case there is anything you should know about that specific model. But the steps are basically the same no matter what you’re driving.

Get Out Your Jumper Cables

Jumper cables come in sets of two: The positive cable has a red clamp at each end, and the negative cable has black clamps. You’ll need both cables to jump-start a car.

Jumper cables aren’t standard equipment with most vehicles, so you’ll have to purchase a set to keep in your trunk. You can generally purchase a new set for about $20-$80. You may want to keep a pair of gloves and safety glasses with the cables.

Get Another Car to Cozy Up Next to Yours

If you’re at home and have a second car, you might even be able to do this by yourself. Otherwise, you’ll have to call a friend or flag down a good Samaritan. The two cars should be parked close enough that you can connect the cables without pulling them too tight, but leave enough room so you can move comfortably between the cars. Both cars should have their engine turned off and the emergency brake on.

Open the Hood on Each Car

Open the hood and locate the battery in each car. Then look for the negative and positive terminals on each battery. The positive terminal should have a plus sign (+) and/or a red cover. The negative terminal should have a minus sign (-) and/or a black cover.

Connect the Jumper Cables

Start with the dead-battery car. Attach one red clamp from the positive cable to the dead battery’s positive terminal. The clamp should “bite” through any corrosion and onto the metal terminal. If you have the black clamp of the other cable near the dead-battery car, be sure it isn’t touching any metal surfaces before you move over to attach both clamps to the booster (working) car.

Move over to the booster car. Attach the other red clamp from the positive cable to the positive terminal on the booster car’s battery. Then attach a black clamp from the negative cable to the booster battery’s negative terminal.

Go back to the dead-battery car. Attach the other black clamp from the negative cable to an unpainted metal surface on the engine. Look for an unpainted bolt or bracket that is several inches away from the battery.

Check the cables to make sure they aren’t dangling or exposed to any moving parts in either vehicle.

Turn Off All Accessories

Before starting the booster car, check that all electronics are turned off in the dead-battery car. This includes hazard lights, the air conditioner or heater, radio, cell phone charger, etc.

Start the Booster Car

Put the booster car in park, start the engine, and let it idle for a few minutes. Don’t race the engine, but gently rev it a bit above idle for 30 seconds or so to help the charge get to the dead battery. An older battery may take more time to charge.

Start the Dead-Battery Car

Try starting the car with the dead battery, and if it works, let it idle for several minutes. Ask the driver of the other car to please wait while you do this.

If the disabled car doesn’t start, disconnect the black clamp from the dead battery, check to make sure all your other connections are good, and then replace the black clamp on the dead battery. Start the booster car again, and let it idle for five minutes. Then try to start the nonworking car again. If you repeat this process a couple of times and the car still won’t start, you may have to call for a tow truck.

Disconnect the Jumper Cables

Once the dead-battery car is running, you can disconnect the four clamps, working in reverse order. Be careful to remove the black clamp from the dead-battery car first and keep it away from any metal and the other cable clamps while you work your way through the rest of the clamps. Then, remove the black clamp from the working car, the red clamp from the good battery, and the red clamp from the dead battery.

Replace the plastic post protectors if either car has them. Keep fingers, clothing, and equipment away from any moving parts.

Keep the Dead-Battery Car’s Engine Running

Let the engine in the car you jump-started run for about 20 minutes so the alternator can recharge the battery. Drive somewhere safe (home or to a friend’s house, for example) before you shut off the car and try to start it up again.

If the car won’t start up again, you may have to get another jump-start or buy a new battery. You may even want to take the car straight to a mechanic to have the battery tested and, if necessary, replaced.

How to Jump-Start a Car With a Portable Jump-Starter Device

If you like the idea of being completely self-sufficient, you may want to purchase a portable jump starter to keep in your car. The portable unit can take the place of a second vehicle when you need to charge your battery. Here’s how it works:

Confirm That the Unit’s Battery Is Charged

Before you stash the battery pack in your car, check that it has enough juice. Units typically plug into a common household outlet and take an hour or longer to charge. Read the directions before you use the charger for the first time.

Attach the Cables

The unit will have two cables coming out of it: one with a red clamp and one with a black clamp. The unit and your car should be turned off. Then, with your car in park, attach the cable with the red clamp to the positive post on your car battery, and the cable with the black clamp to a bare metal area on the car. (Check your device’s directions for specifics.) Ensure that the unit won’t fall over or into the engine when you start the car.

Turn On the Power

When you’re ready, hit the power switch on the jump-starter device.

Start Your Car

Try to start your engine. If the problem is a dead battery, the engine should turn over.

Disconnect the Clamps

Just as you would when using jumper cables, let the car run above idle for a few minutes to help the battery charge. Then, with the car still running, turn off the power to the device and carefully disconnect the black and red clamps. Drive the car to a safe place, or take it to a mechanic to have the battery tested.

To charge a motorcycle, the steps are pretty much the same if you’re using the portable jump-starter. It may be better for your bike than using a car battery and easier than using another motorcycle. You can also try push-starting your motorcycle.

Recommended: How to Get Car Insurance

How to Push Start a Manual Transmission

This method is sometimes called bump starting, clutch starting, or popping the clutch. The idea is to get the car moving fast enough (by going downhill, getting some helpers to push it, or pushing it bumper-to-bumper with another car) so that you can put it in gear, quickly let out the clutch, and get the engine to turn over.

When you get a push, warn your helpers that the car may jerk a bit when you pop the clutch.

Get Into Gear

Depress the clutch pedal, and put the car into second gear.

Turn the Key Partway

Turn the key one step to turn the car on but not far enough to start the engine.

Get the Car Moving

If you’re at the top of a hill, you may be able to do this on your own by taking your foot off the brake and letting it roll. But you’ll likely need other people or another car to push your car. Keep the clutch pedal down.

Pop the Clutch

When the car is moving at about 5 mph, quickly release your foot from the clutch pedal. The car may jerk a bit and the engine should turn over and start. If it doesn’t, you can try depressing and popping the clutch again while the car is still rolling.

Words of Caution Before Jump-Starting Your Car

Once you learn how to do it, jump-starting your car can be fairly simple. But because there may be sparks, and batteries can explode, it’s always important to go through each step cautiously:

•   Keep your face as far from the battery as you can while you’re attaching the cables.

•   Don’t let the clamps dangle near any metal while you’re attaching them.

•   Don’t cross the cables when you’re attaching them to the batteries.

•   Keep the cables clear of the engine when you’re ready to start the car.

•   Avoid connecting all four clamps to the battery posts. It’s safer to attach the black clamp to bare metal on the disabled car.

How Long Will It Take to Jump-Start Your Car?

Once you know the basics of jump-starting a battery, you can expect it to take 15 to 20 minutes, depending on the type of vehicle. Of course, waiting until you find another motorist to help you could add to the overall time.

If you’re a first-timer, it may take longer than 20 minutes. But you can cut down that time just by knowing where your jumper cables are and where your car battery and battery terminals are located. New drivers may benefit from these car insurance tips for first-time drivers.

Calling for Help

If you don’t feel comfortable jump-starting a car yourself or don’t feel safe where you are, you can always call a professional for help when your battery dies. The jump-start or tow might even be free if you have a roadside assistance plan through your car insurance policy. Most roadside assistance plans include jump-starts as a basic service, but you should verify in advance what your coverage offers. It’s helpful to be familiar with car insurance terms as you study your auto policy.

Recommended: How to Lower Car Insurance & Save Money

The Takeaway

Jump-starting a car isn’t that complicated, and it doesn’t take long if you have the right equipment and know the proper steps. Still, it’s important to use caution as you go through the process to avoid hurting yourself or damaging your vehicle. The hardest part might be finding someone who will let you use their car for the jump (or give you a push if you’re trying that method). And you’ll have to be in a spot where you can park two cars close enough together so that you can use your jumper cables.

If you don’t want to — or can’t — jump-start your car, you may decide it’s easier and safer to call roadside assistance. You can purchase roadside assistance through an auto club, and many car insurance companies offer inexpensive plan options as part of their coverage. If you haven’t had a personal insurance planning session lately, this might be a good time to review your options.

And if you’re looking for the best car insurance for your needs, it can help to compare your current auto insurance policy with what other top insurers are offering.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

FAQ

How long does it take to jump-start a car?

The process — attaching the cables, starting the cars, and running both for a few minutes, then detaching the cables — should take just a few minutes. It’s a good idea, though, to keep the booster car around for a few minutes after that just to be sure the boosted car keeps running and can get back on the road.

How long should you let a car run after you jump-start it?

You should let a car idle for several minutes after you jump-start it to be sure you have a sufficient charge. After that, it’s important to let it keep running or drive it for at least 30 minutes so the battery can fully charge.

Can you jump-start a car alone?

Yes, it’s possible to jump-start a car alone if you have a portable jump-starting device with you. If you’re at home and have a second car handy, you can use it as a booster car.

Photo credit: iStock/evrim ertik

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-060

Today, the term “sunroof” is typically used to refer to any panel or window in the roof of a vehicle that may pop up or slide open to allow air to circulate inside the cabin. A moonroof is a type of sunroof that features a stationary glass panel. There are many different sizes, shapes, and styles of sunroofs.

If you’re deciding which one to choose for a new car, we’ll share the differences and the pros and cons of each.

What Is a Sunroof?

“Sunroof” has become a generic term for any panel or window in a car’s roof. More specifically, a sunroof is usually a panel located on the top of a vehicle that slides back to reveal a window or opening in the roof. The panel is usually opaque, matching the vehicle’s body color. It can be electric or manual.

Sunroofs can come in sliding or pop-up versions. Sometimes, a sunroof’s panel can be completely removed.

What Is a Moonroof?

“Moonroof” is a term that was introduced in 1973 by a marketing manager at Ford. It is a type of sunroof made of transparent glass. It may be stationary or slide back, but it can’t be removed. New cars typically have moonroofs instead of sunroofs.

A “lamella” moonroof has multiple glass panels that slide back and provide a scenic view. A panoramic moonroof has fixed glass panels that cover most of the vehicle’s roof and extend across multiple seating rows.

Moonroof vs Sunroof Differences

As mentioned above, a sunroof is typically a painted metal panel that blends into the rest of the car’s roof and can slide open or be removed. A moonroof is essentially a window in the roof whose glass panel may or may not slide open.

Pros and Cons of a Sunroof

Pros:

•   Opening the sunroof can give motorists a sense of being in a convertible without the expense.

•   A sunroof can make the interior space feel larger and keep it well ventilated, reducing the need for air conditioning.

•   Sunroofs let in natural light, creating a brighter atmosphere inside the car.

Cons:

•   A sunroof can add weight to a vehicle and leave less headroom.

•   Although sunroofs can add to a car’s value, they can also cost more to insure. (You can find out how much by shopping around on online insurance sites.)

•   The moving parts are vulnerable to malfunction, which can lead to pricey repairs.

Attempts to retrofit a sunroof may not be successful, with leaks being a common complaint. Factory-installed sunroofs are more reliable than ones using aftermarket parts.

Pros and Cons of a Moonroof

Because a moonroof is a type of sunroof, most of the sunroof pros and cons above also apply to moonroofs. However, there are a few additional considerations:

Pros:

•   In recent years, the moonroof has become more popular than the sunroof.

•   Drivers appreciate how they allow sunlight in even when closed.

•   Moonroofs typically come with a sliding sunshade inside, allowing people in the car to decide how much sun protection they’d like.

Cons:

•   Because the glass absorbs heat, you may need to run your AC more on hot days.

•   If a moonroof breaks, it can be expensive to repair.

Safety Considerations for Sunroofs and Moonroofs

It can be tempting to reach through a sunroof or moonroof or stand up in a vehicle with one. For safety reasons, once a car is turned on, the driver and passengers should be seated and buckled.

Sunroofs and moonroofs also make a car more susceptible to property damage, such as from break-ins, since there’s one more entry point for thieves to smash or pry open.

There is the additional risk of glass shattering, which can cause injury, especially in the case of a car accident.

Recommended: How Much Does Car Insurance Go Up After an Accident?

Maintaining a Sunroof or Moonroof

As with any car feature, regular maintenance of your sunroof is recommended. And knowing how to DIY can help you save money on car maintenance costs. Mostly, that means keeping the sunroof clean. Here’s how:

1.    Use a hand brush to clean debris off the roof.

2.    Clean the glass with a mild cleaning solution.

3.    Wipe down the roof with a soft cloth.

4.    Lubricate the sunroof’s moving parts with a lubricant recommended for your car.

How to Choose: Sunroof or Moonroof

When deciding between a moonroof and sunroof, consider your area’s climate and how much use you expect to get from the feature. It can also be helpful to ask friends or family who have used one or the other style for their opinions.

If money is a concern, a sunroof will cost $1,000-$2,500 more in a new car. Not having a sunroof can also help lower your auto insurance premiums.

In the end, it comes down to personal preference.

Recommended: How to Lower Car Insurance and Save Money

The Takeaway

A sunroof refers to any opening or window in a car roof. A moonroof is a type of sunroof that usually features a stationary glass panel. There are many types, sizes, and styles of sunroofs, from electric to manual, pop-up to removable. Sunroofs will cost more upfront and possibly in maintenance fees and insurance. However, drivers and passengers will enjoy better light and air circulation, even without the air conditioner.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

FAQ

Is a moonroof better than a sunroof?

Moonroofs do have advantages over sunroofs, such as their versatility in letting in both light and air, only one or the other, or neither. Otherwise, it’s a matter of personal preference.

What is the point of a moonroof?

A moonroof lets natural light into a vehicle. Some designs also allow it to be opened, letting air stream into the vehicle too.

What are the disadvantages of a sunroof car?

Although a sunroof can increase the resale value of your vehicle, it is likely to increase your insurance premiums as well. Sunroofs also make a car more vulnerable to breakdowns of mechanical parts.

Photo credit: iStock/AscentXmedia

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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A car is typically considered totaled when the insurance company determines it will cost more to repair than the vehicle is worth. Beyond that, states have their own guidelines for when a car should be declared totaled, called the “total loss threshold.”

Learn more about the different thresholds for totaled cars in each state and what to do if your car is totaled in an accident.

What Is a Totaled Car?

According to insurance companies, a car is considered totaled if it costs more to repair than its current book value. An insurance company can also declare a car totaled when the vehicle may be unsafe to drive, even after repairs are complete.

Not all damage is the result of a crash. Vehicles caught in a flood usually sustain so much damage that it’s common for them to be deemed a total loss.

What Insurance Covers When a Car Is Totaled

If damaged, you may wonder how much your car is worth. When an insurer considers a car to be totaled, they reimburse the owner for the ACV, the amount the car was worth right before the crash or incident occurred.

The ACV is different from what you paid for the car. That’s because the original purchase price is reduced over time by depreciation. The ACV is also typically lower than the car’s replacement cost.

Recommended: What Does Car Insurance Cover?

How Is a Totaled Car’s Value Determined?

As mentioned above, online auto insurance companies evaluate totaled cars based on their condition and mileage just before the accident or incident. Other factors include the vehicle’s make, model, and age, and where you live.

What Is a Total Loss Threshold?

The total loss threshold is the percentage of a vehicle’s ACV at which the cost of repair leads the insurance company to declare the vehicle a total loss rather than repairing it. This percentage varies by state (for example, it’s 75% in Alabama). Insurance companies must meet the state’s minimum, though they can apply a lower percentage.

An insurance company may consider a car totaled even when repair costs are less than its ACV, sometimes significantly less. That’s because when assessing a damaged car, the insurance adjuster is limited to a superficial visual inspection. Insurers recognize that more damage is often uncovered during the repair process, when the mechanic takes a close look at hidden components. (You may find this rundown of car insurance terms helpful.)

Recommended: A Comprehensive Guide to Car Insurance

Total Loss Threshold by State

You can find your state’s total loss threshold in the table below. For states that use the total loss formula, the threshold is set as the vehicle’s fair market value minus its salvage value.

Steps to Take When Your Car Is Totaled

After an accident, you probably know to call the police first and then alert your insurance company. But then what? Here are the steps.

1. File a Claim

Filing a police report is not enough. You must contact your insurance company separately. Do so as soon after the accident as possible so they can begin working on your claim. You can also find out how much your insurance may go up after the accident if you’re found to be at fault.

If you’re without a vehicle, you may be interested in finding out the cheapest way to rent a car.

2. Assess the Damage

Your insurance company may direct you to one of its approved body shops for a review of the vehicle and its damage. If you have your own trusted body shop, ask the insurer if you can take it there. The insurer should accept it as long as the estimate seems reasonable.

3. Know Your Car’s Fair Market Value

You can use sources such as Kelley Blue Book (KBB.com) and Edmunds True Value (Edmunds.com) to look up your car’s value. Just enter the make, model, and year. (Users of SoFi’s Financial Insights app also have access to our Auto Tracker.)

Besides online research, you can work with a dealership to get an estimate. No matter which route you go, this is important information to have because it will give you an idea of how much your insurer may pay for your car.

4. Contact Your Lender

If you owe money on the totaled vehicle, let your lender know about the accident. Your insurer will either pay off the lender directly (if you receive enough funds to cover the balance) or write a check for you to forward to the lender. If you receive more for the totaled vehicle than you owe, then the balance above the loan amount is yours.

If you have a gap insurance policy on the totaled car, it will pay off your lender if your insurance reimbursement doesn’t cover all that you owe on the vehicle.

5. Negotiate the Claim With the Insurer

Depending on who is at fault, you may or may not need to pay your insurance deductible. If your insurance assessment seems off, you may want to negotiate the ACV or the cost of repairs.

If your negotiations are fruitless, switching car insurance is always an option. You can also contact your state’s department for insurance for help.

6. Shop for a New Car

You could wait two to four weeks to receive a reimbursement check from your insurer. States usually provide time frames in which a claim should be processed. Your insurance company can also give you an estimate on their typical processing time.

Pros and Cons of Keeping a Totaled Car

Sometimes, a totaled car’s owner may want to hold onto it. This is known as an “owner-retainer option.” In this case, the insurance company will typically reimburse the owner the amount owed minus the salvage value.

The owner can take the payout and repair the vehicle to a drivable condition, which will likely cost less than buying a replacement vehicle. The downside is that the owner receives less money and will need to get car insurance for the old vehicle, which can become a more expensive proposition than simply taking the cash. The owner may also keep the car and not fix it, or partially fix it, assuming that it’s drivable.

The owner can then sell the vehicle, perhaps to a salvage yard or other drivers for parts. They may end up getting more money than the insurance company would pay out, but it’s not guaranteed. Instead, they may end up with less money and more work.

Tips for What To Do If Your Car Is a Total Loss

These three tips can make the process easier.

•   Gather your loan paperwork (if applicable), car title, and maintenance receipts to have all the information you may need at hand.

•   Remove personal belongings, such as phone chargers and sunglasses, from the vehicle. In most states, you’ll need to give the state DMV your license plate. In some states, you can keep the plates and put them on your replacement car.

•   Consider whether donating the car is a good option. You may be able to claim a tax deduction for your good deed (keep your receipt), but you won’t get the funds you would from selling the car.

The Takeaway

A car is considered totaled when the insurance company determines it will cost more to repair than the vehicle is worth. However, insurance companies often pick a figure that’s considerably lower than the vehicle’s ACV because more damage is typically found during repairs. That amount is called the total loss threshold. The legal threshold varies by state but generally ranges from 60% to 100% of a vehicle’s value.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

FAQ

What is the percentage before a car is considered totaled?

This is referred to as the total loss threshold. After an accident, if repairing a damaged car will cost close to its actual cash value, typically 75% or more, then the insurer may consider the car totaled.

What is the total loss threshold for GA?

Georgia uses the total loss formula. That means that a car is considered totaled if the cost of repairs equals the vehicle’s fair market value minus its salvage value.

What is the threshold for totaling a car?

The total loss threshold depends on the state in which the accident occurs and your insurance policy. Most states have thresholds ranging from 60% to 100% of a car’s value. Insurance company thresholds may be lower, but by law, they can’t be higher.

Photo credit: iStock/Pakhnyushchyy

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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