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: Wed Feb 20, 2008 01:56 am Post Subject:

I have seen some big ones at the local walmart and other stores, how do you move them things around and how many people does it take to move them? I would think you would put it in one spot and leave it there right?
I never really thought about getting one, don't have that much valuable stuff laying around my house. What I do have isn't worth buying a safe for, would hate to lose it, but you get the picture, besides I would not have the room for it, my house is really small. Do you get any kind of break on your premium for having these fireproof safes? Are they covered? If they were in a fire and all the stuff on the inside was okay but the outside was messed up, I supposed the safe itself would be replaced right?

Posted: Wed Feb 20, 2008 03:30 pm Post Subject:

I'm not sure if you would get any kind of insurance break for a safe but you would think you could. They would have a lot less to replace if it held valuables. I know you get one for being near a fire station and if there is a hydrant near your home. When I moved and had to change my home owners I actually got a little higher rate because I moved to a place that didn't have either when I use to have both. I imagine it would be a pain to move but that part definately put a smile on my face. I never leave anything in one spot and I can picture my husbands face when I would ask him to move it to another location. He is a man of very few words but one look at his face will tell you what he's thinking, although he would do it anyway. I'm sitting here thinking what is as heavy as a safe that I could get him to move so that I can get even for that ticket he got last night. te he he

Posted: Wed Feb 20, 2008 08:29 pm Post Subject:

I would say so. They probably receive more claims as they generally aren't built to withstand the same amount of damage of an actual home. Can they even be insured if they aren't properly set?

Posted: Thu Feb 21, 2008 02:00 pm Post Subject:

They probaly have all kinds of guidelines on those things. I imagine you probaly would get replacement value on the safe since it is a content of the house.

Posted: Sun Feb 24, 2008 01:39 pm Post Subject:

They seem really heavy, I guess if you had a lot of valuables that it would be worth the investment. There are smaller ones also that would be more for me, I don't have a whole lot of valuables around.

Posted: Sun Feb 24, 2008 04:49 pm Post Subject:

Another thing that I like about the big safe is that it is in a back room, out or sight, out of mind.
We have a smaller one that we bolted in the wall, it holds just some little things that we would need access to quickly, even though it has a code, I use the keys to open it.

Posted: Mon Feb 25, 2008 12:32 pm Post Subject:

That is the kind I would like to have. I hate carrying around a thousand keys. Plus you could actually hide it somewhere that a theif couldn't find it. These days we all need to think about locking up our valuables. This area is getting really bad. The kids are all dropping out, doing drugs and looking for quick ways to get money. A lot of them never even heard of the word work. I honestly wonder what this world is gonna be like in the next 20 years. A bigger safe would be pretty good if you could hide it in a wall. I watch a lot of those crime shows and seen this idea. I always thought it was pretty awesome.

Posted: Sat Mar 08, 2008 07:07 pm Post Subject:

Don't forget guys mobile and modular homes are totally different, a modular is looked at pretty much like a stick home.

Amen, sister.

Once a "modular home" is placed on a permanent foundation, it is very hard to tell that it is not a traditional "stick built" home.

The problem I have is that most people want to put a "modular home" on a hill in the country, 18 miles from the nearest responding fire department and the only source of water is the creek.

If you are determined to live in the country, you will pay the price.


Posted: Sat Mar 08, 2008 11:59 pm Post Subject:

I lived in the country but right off a main route and the fire dept. is a little farther away but not too very far. I imagine it will affect my price on homeowners but it is of little matter to me now that I have left a drug infested town in my past and feel safer in my new area.

Posted: Sun Mar 09, 2008 11:52 am Post Subject:

If you are determined to live in the country, you will pay the price.

Boy did I find this out the hard way! and here I am a long time p&c adjuster, felt like such a moron. :oops: ..we bought a beautiful all brick home on five acres, literally half a mile outside the city limits....turned out it was in a rural fire dept zone, whos station was 10 miles away and volunteer, we paid out the nose for h.o. coverage, triple what I pay now! :shock: It was just crazy..As it was in my escrow, it increased my payment (then about 15 years ago) by 175.00 a month!, should I ever decide to move back to the country I know to check that out FIRST!

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