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Thread: Mobile Home home owners insurance

  1. #1
    Super Member DianneK's Avatar
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    Mobile Home home owners insurance

    We live in a large double wide on a foundation and pay big $$$ for homeowners insurance. When I called to report storm damage, they told me there 'might' be a surcharge! I will not name the company, as I am not out to slam them. Can anyone suggest other companies that insure mobile homes..we would like to check around.
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  2. #2
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    Did they mean the surcharge as a deductible. If so then we all have those.
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  3. #3
    Power Poster BellaBoo's Avatar
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    My cousin lives in a double wide on foundation and her insurance is almost double what I pay for a bigger house and we live in the same county.
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  4. #4
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    Don't you just love insurance companies? You pay in for years and when you need to make a claim it is .....that's not covered, or there will be a large deductable, or your rates go up. Make sure not to tell your current insurance company that you are shopping around until you see if another will insure you.

  5. #5
    Super Member alleyoop1's Avatar
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    Contact a local insurance AGENCY and have them shop prices for you. They have access to many insurance companies.
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  6. #6
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    I don't know if you'll have any luck finding a different(better) insurance company, Foremost, seems to have the monopoly on mobiles. Good luck.

  7. #7
    Senior Member KalamaQuilts's Avatar
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    Foremost is the only one that insures mobiles here in Washington that I know of.
    It's all we could get on our in-place 5th wheel at our farm anyway. We have 1000.00 deductible and the preimum is still 400+ a year. Our home insurance is 670. Go figure.

    I'm sure it is because so many of them aren't tied down re: hurricane/tornado specs.

  8. #8
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    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

  9. #9
    Member Grammie T's Avatar
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    If this isn't your current insurer, Allstate Insurance sells mobile home policies.

  10. #10
    Power Poster Jingle's Avatar
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    We would have been better off to bank the money we pay the insurance company. We have paid alot more like that than what the place is worth. We have a very nice home.
    Another Phyllis
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