by Guest » Mon Dec 21, 2009 09:20 am
It seems there are a lot of problems associated with a mobile home, especially when you'd need to move it. Can you provide any information on Mobile Home insurance? If you know it, please let me know about the insurance carriers who'd offer it.
Posted: Wed Jan 06, 2010 06:45 am Post Subject:
I guess what Trench is trying to explain over here is that the renters policy will cover the things associated with the structure of the MH and it won't cover our personal things beyond certain limits. The MH policy will cover our personal belongings and liability beyond such limitations.
Posted: Thu Jan 07, 2010 07:32 am Post Subject:
There are certain situations wherein you may avail discounts while covering your mobile home. Insurance carriers would look for doors and windows which have been repaired or upgraded recently. This would reduce their risks to some extent.
If you're residing near a fire station, it might add to your advantage. Again, you'd get reduced rates if you're covering your mobile home with the same carrier that you have for your car. Roddick
Posted: Fri Jan 08, 2010 12:37 pm Post Subject:
Maybe I'm not understanding the explanation you're giving. A Renter's Policy DOES cover my personal belongings? Or..just the trailer, property, etc. that I am renting?
Your renters insurance will cover your personal effects. Within the MH ins policy, items (somewhat limited to personal effects) that are tied directly to the structure will be covered. My wife's side of the family owns a manufactured home business. I will be seeing my brother-in-law today so I will ask him about the specifics.
Posted: Thu Jan 14, 2010 09:21 am Post Subject:
I will be seeing my brother-in-law today so I will ask him about the specifics.
It's great to have things clarified through someone you can reply on. We'll wait till we hear from you again in this regard.
Posted: Fri Jan 15, 2010 07:03 am Post Subject:
I guess there's a special group policy offered by the American Assoc. of retired persons. Probably it helps the senior citizens by reducing their MH insurance premiums. It also offers certain specific facilities for them.
Posted: Wed Jun 08, 2011 10:56 am Post Subject: damaged mobile home during move
My MH is a 1992 clayton that was is sound condition. Sure it needed painted but that is it. The company I highered to move the trailer put a big dent in side by running into trees also the back passenger side bumper/corner hit a big rock and has busted the wood. What options do I have about getting this fixed by the company. I gave him three hun down and was supposed to give him another three when trailer got delivered.. I did not give it to him casuse he has done more than three hun in damage. I dont even know if the company has insurance or not. Do you have any suggestions?
Posted: Wed Jun 08, 2011 11:35 pm Post Subject:
File a claim with the company that moved your unit. If they have insurance, you will hear from their insurance company. If they don't, you won't hear anything and you'll have to sue in small claims court for your damages.
You'll need to document the damage and have estimates for the repair cost.
Posted: Thu Jun 23, 2011 05:44 am Post Subject:
What is the significance of word mobile in this term, does it is the policy which is applied to all the belongings of home.
Posted: Thu Jun 23, 2011 03:33 pm Post Subject:
"Mobile" refers to the fact that the dwelling is not attached to a permanent foundation.
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