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Thread: Mobile Home home owners insurance

  1. #31
    Junior Member
    Join Date
    Jun 2011
    Location
    North country Wisc.
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    267
    I've lived in mobile homes since 1965. The Foremost co. is the one I've had in the 4 states I've lived in: Ohio, Michigan, Minnesota, & Wisconsin. Right now we have American Family but I know it will not cover things like leakage from water heaters. We get a discount because of the autos we insure so we stay with them tho.

  2. #32
    Super Member
    Join Date
    Apr 2011
    Location
    Bosque County, Texas
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    3,040
    Foremost insures our 2 double wide homes and other structures for $3000plus for a $250 deductible. So far they have put on 2 new roofs and replaced one electric gate and a lot fencing due to wind damage. We've had no problem with them at all. We've had one rate increase in 11 years and it was a state wide increase not related to claims but it doubled our premiums.

  3. #33
    Power Poster lynnie's Avatar
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    Apr 2010
    Location
    Long Island
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    16,474
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    We have a two br 1-1/2 bath, dr/ kitchen sewing room and big deck about 20x15, and ours is $240/ yr.
    We have an attached house on back and side wall, not apt type.

  4. #34
    Super Member
    Join Date
    Apr 2011
    Location
    Bosque County, Texas
    Posts
    3,040
    We got to choose how much insurance we wanted. We chose replacement value insurance on our structures and a high content value dollar wise. We could pay less and have less coverage. Be sure when you compare coverage between different companies that you are comparing the same amount of coverage.

  5. #35
    Junior Member beckalou's Avatar
    Join Date
    Mar 2011
    Location
    NE Iowa
    Posts
    149
    Dianne, we are in a mobile home in Alabama and I can tell you it's hard to get insurance on them when you are in a high risk area for Hurricanes ans tornados. We just switched our insurance because the premium went up $500.00 a year, we've never had a claim. Your best bet is to go to Geico.com and get a quote there, then call the number listed on the site to get a more accurate quote. An independent agent recommended I do this.

  6. #36
    Junior Member
    Join Date
    Apr 2008
    Posts
    193
    Don't even get me started on insurance companies, any kind. I don't know how a person who works for them or who owns a company, can sleep at night. And now here in FL, to change, they want to charge $300 to $500 for inspections.
    And if the home doesn't pass, well you just tossed that money down the toilet. You also have to have wind mitigation inspections to get wind discounts, another charge with same results. I'm not sure you can even get mobile home insurance. My aunt's is 30 years old, beautiful double wide, sorry Charlie, we are dumping you. Yep, just one of those subjects you just don't discuss with me. Our home is 43 years old so can only get wind through Citizens. We dropped the wind and next year may only take liability. Am not paying anyone $3500 a year, with wind deductibles of $5500 and homeowner's $2500. Nope, not doing it. We have NEVER had a claim in the 42 years we've lived here.

  7. #37
    Member
    Join Date
    Nov 2012
    Posts
    5
    There are many companies that provide mobile homes but its better to go and discuss in the office so that you will have chance to interact with other consumer also and you can get nice feed back

  8. #38
    Member
    Join Date
    Sep 2012
    Posts
    2
    Quote Originally Posted by rebeljane View Post
    Insurance Companies will never be on the losing end no matter what they say, they are in business to make money. You just have to have a love/hate relationship with them lol
    I definitely agree to this. There are only a few insurance companies who would really be there when you need them. I guess that's really a company's nature that if they want something from you they always say they'll be there to support you but in times of claiming a benefit, it's like they don't know you at all.
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