| Message |
Author |
|
 Posted: Sun Nov 09, 2008 11:40 am Post subject: |
|
|
Wow this truly is sad. When your that age you are suppose to be enjoying life not wishing it to an end. I am glad to see he is getting help. I know we talked about this at different times and this is the people who I think truly need the extra goverment help. (vs free loaders).
In any case who is your homeowners through Gn? I know we have the ame type home and I have been shopping around for a while now. Trying to find someone that will define my double wide on a full foundation as a home. It would drop my insurace alot. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Thu Nov 13, 2008 3:19 am Post subject: |
|
|
| i live in a double wide also, we have what is called replacement value on the home and the contents. It is really tough to get them to be considered a home, makes no sense to me, we completely removed the tongues and the wheels and axles but they still consider it a mobile home. Now I have seen them moving old houses, old churches and other buildings that had historic value so looking at this I would say that all buildings are mobile and I don't understand what the heck that has to do with insurance. Any one have a clue on homeowner, please chime in here. |
|
goodnatured
Senior member
Joined: 04 Nov 2007
Posts: 1213
0.07 Dollars($)
|
|
| Posted: Thu Nov 13, 2008 11:10 am Post subject: |
|
|
| Thats all my thoughts on this too. I have been told to move my furnace and hot water heater and it would only to have them tell me it still won't do any good. I was just going to wait and do the ceiling downstairs (will hide the beams) but I do not want to take any chance of something happening and then not being covered. My home doesn't even have a mobile home title anymore. It has a deed. Crazy but what can we do about it? |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Sat Dec 13, 2008 5:05 am Post subject: |
|
|
| I know what you mean fireyone, it is tough to get the same respect as a home owner, they can't disguinish the difference between a double wide as a home and a mobile home. It affects your insurance and what insurance companies will insure you also. I have been turned down because companies do not insure mobile home. I have no wheels or towing tongue left on the home, it is no longer movable. |
|
goodnatured
Senior member
Joined: 04 Nov 2007
Posts: 1213
0.07 Dollars($)
|
|
| Posted: Mon Dec 15, 2008 12:04 am Post subject: |
|
|
| We put ours oln a full foundation,welded it and everytrhing imagineable. I was told by alot of insurance comapnies that once a mobile home always a mobile home. Later we plan on finishing the basement and closing in the ceilings. Hopefully since we have a deed instead of a title we can get a different insurance comapny and get it passed off as a home. I just think it will be hard becasue they will probaly want to know whom we had previous insurance through and if they can pull up the old policy then they will see it was actually mobile home insurance. I really ticks me off because as a molbile home owner you pay almost double for insutance. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Mon Dec 15, 2008 3:35 am Post subject: |
|
|
I have been debating on putting my house and car insurance together with one company. I am wondering if you actually save a lot of money that way? I have been with the same company for years, have excellent coverage at a pretty low cost.
Problem is I would have to shop for both if I have the same experience I just had with my auto insurance, so I am thinking leave the home owners alone. Do you know if you save a whole lot by combining the two? |
|
goodnatured
Senior member
Joined: 04 Nov 2007
Posts: 1213
0.07 Dollars($)
|
|
| Posted: Mon Dec 15, 2008 11:16 am Post subject: |
|
|
| Quote: | | Do you know if you save a whole lot by combining the two? |
YES or atleast the company I'm with I save little over 100 on homeowners, and i think 20% on the cars, boat, 4wheeler, trailer etc..would be worth shopping around just to compare...make it your new years resolution if you're as busy as everyone this time of year, would be an added burden you don't need right now... | Quote: | | I have been with the same company for years, have excellent coverage at a pretty low cost |
did you check them for your auto? and remind them when you did that you have your HO with them? both policys should enjoy a 'companion policy' discount.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Mon Dec 15, 2008 1:41 pm Post subject: Glass Damage while transportation |
|
|
| On the similar grounds, I am too late, but for information, I had got glass windows damaged while transportaion, but not by any accident but since they were delicate. I would ask, could I have got any help while the home had insured? Since it was a short transportation, I had not insured the material, but damage was significant. Besides, could I have insurance while I had started construction my room through a local builder and not a reputed one due to cost factor. |
|
VIJAYRAJ
Member
Joined: 11 Dec 2008
Posts: 73
0.08 Dollars($)
|
|
| Posted: Thu Jan 01, 2009 9:33 pm Post subject: |
|
|
Your homeowners would have covered it, sometimes we just assume that every thing will be okay until the worst happens.
One thing that I do notice is that my home owners insurance is one that has not increased in price over the years. Wish I could say the same about health and car insurance, LOL. |
|
goodnatured
Senior member
Joined: 04 Nov 2007
Posts: 1213
0.07 Dollars($)
|
|
| Posted: Fri Jan 02, 2009 12:07 am Post subject: |
|
|
Wish that I could say the same. Mine rose almost a hundred dollars this year due to an incident here at my property with my brothers truck last year. I was told that I could raise my deductible to deter the increase and then found out later that I could not since my home was still considered a mobile home (even though on full foundation basement). They will not even try to look at my home as anything other than a mobile home which really annots me since it is deeded and does not have a title any longer.
Your comment though Good natured is very true...we do not relize things sometimes until the owrst happens. If something would happen here in the next couple years I problaly will be extremely glad that I just paid out the extra on my insurance policy and not increased the deductible. You know how quick damages can add up. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Fri Jan 02, 2009 8:52 am Post subject: |
|
|
| Quote: | | On the similar grounds, I am too late, but for information, I had got glass windows damaged while transportaion, but not by any accident but since they were delicate. I would ask, could I have got any help while the home had insured? |
If those were damaged during transit, I doubt that would be covered by the homeowners plan. You really need to refer to the policy document to what know what exactly you are entitled for.
The homeowner insurance typically covers the structure and the content of the house. However, the mobile home insurance is different from the conventional home plans. Hence, it may offer some extra coverage which is otherwise not available in the HO plans.
Regards,
Dominique
_________________
Register Now to have your Insurance queries solved. |
|
Dominique
Guest
|
|
Previous 1, 2, 3, 4
