mobile home insurance

by fireyone » Sat Jan 12, 2008 06:58 pm

Is mobile home insurance more expensive than say insurance on a regular home. I just moved my double-wide onto a full foundation and need to update my insurance company. I think at some point I remember something about insurance on mobile home being more expensive.

Total Comments: 50

Posted: Thu Feb 14, 2008 01:26 pm Post Subject:

Mine isn't too bad, I think it runs a little less than $600 a year also, It isn't something that I visit often, it is all in my escrow. I have total replacement on everything as well.

Posted: Fri Feb 15, 2008 02:47 am Post Subject:

Mine runs about a little under $500. I have the totl replacement thing too. I don't mind it really. The peace of mind from knowing your covered is better than fretting the what if's.

Posted: Fri Feb 15, 2008 05:56 pm Post Subject:

I don't think that is too awful bad for a year fireyone. Does that include content and property also?
Do you keep an inventory of your personal items just in case something should happen? If not, your insurance company should be able to provide you with an inventory sheet that would make it much easier on you. You should ask them for one and do a personal inventory.

Posted: Fri Feb 15, 2008 10:14 pm Post Subject:

Yeah it contains all of the above. Must admit I did get the top insurance for my home but like they say home is where you hang your heart. I did have an inventory list before I moved but I'm sure it needs to be updated since I haven't done it in years. I'm really glad you reminded me of that. I hate the thoughts of even thinking about a fire or having to go through anything like that. I just moved back into my own home after living with my sister for 5 weeks while they were setting this one up. Now I know where that old saying comes from "Theres no place like home". Well keep ion touch

Posted: Sat Feb 16, 2008 12:30 am Post Subject:

I have taken digital pictures of my higher price items and keep them in a file in my email, that way I can access them from anywhere. If you think about it, you could keep your inventory there too. that way if something did happen you could just email them to your insurance company. Just a thought.

Posted: Sat Feb 16, 2008 05:50 am Post Subject:

that would work and like you said they would not only be in the home so you would have access to them in case of this terrible event happening and your home being a total loss.

Posted: Sun Feb 17, 2008 04:22 am Post Subject:

wow What a great idea. That way you could have access to them anywhere there was a computer if all your home was damaged. You could even e-mail them to the insurance company. Definately something I will be doing in the near future. If you didn't want to go to that measure you could also save them on your cameras memory card and keep it in your vehicle. Just a thought.

Posted: Mon Feb 18, 2008 03:01 pm Post Subject:

That would be a good idea too as long as the card will hold up under conditions, heat can get pretty extreme in the summer and it can get pretty cold in the winter, would your card hold up under these conditions.

One other thing, if you are going to store it in your email, make sure that your network is secure so that you don't have anyone hacking in. I don't really have any thing of great value that I would want stored at the US Mint, I have a huge gun safe that I can't even open, LOL, husband does that. It is fireproof and it is not easily moved.

We bought the gun safe more for safety and security, keep the kid safe and keep the thieves out. So far, so good.

Posted: Tue Feb 19, 2008 11:04 am Post Subject:

I often times considered buying a safe. One top reason is for its fire safe features. My husband has probaly what most would consider a smaller gun collection. He has a few guns of his own but the most valuable guns are the ones passed down by his father. They are older and look mreally weird to me. Guess they aren't the normal high featured guns but they mean so much to him.

Posted: Tue Feb 19, 2008 07:25 pm Post Subject:

The big safes are nice, you can pile more than guns in them. We have everything in their, all the important paperwork in the house and etc.

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