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Thread: Mobile Home home owners insurance

  1. #26
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    When I went to get home owners insurance I went thru an agency. They don't charge anymore for the insurance but the will shop around and find you the best deal. I also did that with car insurance (used my daughters agency that time) and when I was ready to buy I just contacted the insurance directly. An agency was great for my young daughter to help her get a lower cost insurance and each renewal time they research again to see if there is another co with better rates; normally there are. I think for homeowners I'd probably stay with the same co but the agency really helped me. Then if I have an agent I contact her when I need assistance instead of dealing with a co and getting put on hold, etc. I've used the same agent for my house for around 20yrs.
    Judy

  2. #27
    Super Member amandasgramma's Avatar
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    We have State Farm but I've never made a claim with them. If your policy doesn't say ANYTHING about a surcharge and they insured your home, then do NOT let them get away with this! I worked for the Oregon Insurance Commissioner................contact the one in your state. Wait until the Ins. Co. gives you something in writing saying there's a surcharge. You would probably have to send in a copy of your policy and the paperwork saying you have to pay the surcharge. It's not right --- and it may be a "bad agent". The ins. companies don't like hearing from the commissioners. Good luck!
    Dee


    "A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing." by George Bernard Shaw

  3. #28
    Junior Member helenhiwater's Avatar
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    We have Grange for our modular, which is counted as a mobile home even if it isn't. My agent uses multiple companies and changed us from Assurant this year because it was cheaper. Really pays to have a yearly check-up on rates.
    every cloud has a silver lining but sometimes it is hard to get to the mint

  4. #29
    Power Poster BellaBoo's Avatar
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    My grandmother's house was too old to insure the structure but she got contents only insurance. You may have to finagle a little but try for contents only or put the mobile home in one spouse's name and the other spouse gets the renter's insurance. Worth a try.
    Got fabric?

  5. #30
    Super Member coopah's Avatar
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    My mother has Foremost, but they aren't taking new FL customers. So we are with Citizen's run by the state. That was our choice and we went through a broker. Haven't needed to make a claim, but the cost with Citizen's is much more than Foremost. We were told by the broker to make sure all payments to Foremost needed to be early or on time (never a problem), because they are looking to drop mobile home customers. I don't know if that's true or not. When we had our home in the PNW, we had USAA with an umbrella policy for cars, house, everything. Those were the days. USAA doesn't insure mobile homes in FL.
    "A woman is like a tea bag-you can't tell how strong she is until you put her in hot water." Eleanor Roosevelt

  6. #31
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    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.

  7. #32
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    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.

  8. #33
    Power Poster lynnie's Avatar
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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.

  9. #34
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    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.

  10. #35
    Junior Member beckalou's Avatar
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    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.

  11. #36
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    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.

  12. #37
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    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

  13. #38
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    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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