MH Homeowners insurance?

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BIG O
Posts: 11
Joined: Fri Apr 27, 2007 5:45 am
Location: GARYVILLE, LOUISIANA

Sun May 20, 2007 7:27 am

I'm looking for some quotes on MH homeowners insurance but It's slim pickins. Not too many companies want to insure them or give you little coverage and outrageous prices! I would like some names and contact #'s or web addresses of some of my forum friends insurance providers. Thank you all for your help! :D
IT'S BIG O BABY!!


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Yanita
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Joined: Sat Feb 17, 2007 10:16 pm
Location: Eastern N. Carolina

Sun May 20, 2007 7:54 am

Hi,

Welcome to the site.

I see you are in Louisana, that limits you even further.

Myself and a couple of others here have FOREMOST insurance. They are one of the leading insurance providers for MH's. Not sure if they are writing policies in your area do to Hurricane Katrina. You can do a quick Google search and find a local agent.

Good luck.

~Yanita~
The difference between success and failure is who gives up first!

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Greg
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Sun May 20, 2007 7:56 am

Check with companies that will insure your auto also, this qualifies you for a discount from multiple policies. Greg
"If I can't fix it, I can screw it up so bad no one else can either."

HouseMedic
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Location: Delaware
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Sun May 20, 2007 8:55 am

A buddy of mine just got his MH insurance threw Gieco (spelling) Live in Delaware

Ron

PennylessZ28

Sun May 20, 2007 9:38 am

My AIG agent was able to get me coverage for a decent price.


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Sylvia
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Location: Iowa
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Sun May 20, 2007 11:30 am

Louisiana, Texas and Florida mh insurance is going through the roof after the hurricaines.

Geico doesn't write homeowners policies through Geico, however we do have several different companies that we go through to find a good rate.

A lot of time you're going to be spinning your wheels looking and calling. Call an independent agent, in the phone book they'll have an ad showing a picture of an eagle. They write insurance for many different companies. Agents who work for State Farm, Allstate, etc normally are only appointed to sell insurance through that company, like I am only able to sell for Geico. Independent agencies will have a multitude of different companies to choose from. You could also contact your insurance commissioner. They would know exactly what companies are writing for your area.

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Harry
Posts: 1249
Joined: Mon Feb 26, 2007 7:45 pm
Location: Citrus county Florida

Sun May 20, 2007 1:52 pm

Hi

I have the same problem here on Florida's Gulf coast.

Please let us know how you did with your search.

Thank you

Harry
Aside from the roof leak, soft floors, rats, mice and bursted plumbing ........ how do you like it?

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Yanita
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Joined: Sat Feb 17, 2007 10:16 pm
Location: Eastern N. Carolina

Wed May 23, 2007 7:37 pm

Hey Big O,

Have you found an insurance company yet? If so care to share what company name? This maybe helpful to others in your area.

Thanks, Yanita
The difference between success and failure is who gives up first!

Lorne
Posts: 368
Joined: Sat May 19, 2007 7:57 am
Location: Murrells Inlet,SC

Wed May 23, 2007 8:21 pm

Here in SC we tried for insurance and the best we were offered was $1000/yr for $12500 of insurance, but it doesn't cover weather related damage. Only fire and rogue alligator attack.

We call it a disposable house. Just trough it away and find another.

Some people have had their insurance jump 300%.
We just pray there will be no catastrophic weather.

The wealthy have it much worse than we do. it's good to be poor sometimes.
1987 Craftsman Double Wide 42x28,w/attached 28x12 foot enclosed porch/ re-shingled 2 yrs ago. Original exterior vinyl w/no sheathing.

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Yanita
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Location: Eastern N. Carolina

Wed May 23, 2007 8:43 pm

Hmmm,

Just looked for a profile on your home to see what you have. No profile...I have Foremost Insurance and get mine for about what you said yearly, and it covers every weather hazard possible, including a rider for replacement value for a home of this size should something happen to it. You might want to check their website and then see if you have an agent local,LOL, at least it does not cost anything to research and call.

Better hurry though, hurricane season start officially next week and the predictions are not looking all that good. :shock:

~Yanita~
The difference between success and failure is who gives up first!

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Harry
Posts: 1249
Joined: Mon Feb 26, 2007 7:45 pm
Location: Citrus county Florida

Wed May 23, 2007 9:27 pm

HI

Lorne has a 1987 Craftsman Double Wide 42x28,w/attached enclosed porch.

We have the same kind of insurance down here. We call it "fire" insurance. But I live too close to the Gulf to qualify.

No one is writing new policies down here if you live on the coast but the state backed insurance of last resort. It is high and the coverage is poor.

Harry
Aside from the roof leak, soft floors, rats, mice and bursted plumbing ........ how do you like it?

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Yanita
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Joined: Sat Feb 17, 2007 10:16 pm
Location: Eastern N. Carolina

Thu May 24, 2007 7:04 am

Hi Harry,

My post was directed to BIG O, the original poster of the thread, think I even said Hi BIG O, just wanted to see if he had found insurance yet, or need further help/options.

Did you see the hurricane predictions for this year?

Not sure why I have apprehensions about hurricanes in this home, heck it is now 36 yrs old, been thru many hurricanes and the big flood in 99 missed this home by quite alot. Checked with FEMA flood map before purchase.

The news channels are already beginning with the Hurricane Preparedness info.

Our beaches are already eroded from the tropical storm that came a few weeks ago. Undermined alot of homes and the beach will not be re nourished at this time. Since alot of the National Guardsmen & women are deployed they are already telling people if you get an evacuation order you better leave. There will be no help after a certain point during the storm, and any rescue and clean up will be slow as well.

We are ready, I always have a pretty extensive food back up, generator, batteries etc, we can be self sufficient for several weeks.

Now I guess we just wait...

~Yanita~
The difference between success and failure is who gives up first!

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Harry
Posts: 1249
Joined: Mon Feb 26, 2007 7:45 pm
Location: Citrus county Florida

Thu May 24, 2007 8:55 am

Hi Yanita

Yes I would like to know how BigO made out. I notice he lives near the coast. He's experiencing insurance problems all SE coastal dwellers are having.

Our politicians have promised insurance reform...but nothing yet.

Hurricanes - When they say evacuate ....we evacuate.

I lost a MH in Miami during Andrew. Lost everything but the floor. Even the toilets blew away. Spent the whole day getting the MH ready for the storm only to have it blown away. Rode the storm out in a CBS house and the roof blew of that. Andrew also spawned a lot of tornadoes.

Be sure to rig some kind of anchor and lock for that generator. Make it hard to steal.

Harry
Aside from the roof leak, soft floors, rats, mice and bursted plumbing ........ how do you like it?

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Yanita
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Posts: 3369
Joined: Sat Feb 17, 2007 10:16 pm
Location: Eastern N. Carolina

Thu May 24, 2007 9:40 am

Hey Harry,

You certainly have the theft of generators down pat!

Hubby poured a concrete slab in front of the shop that has U bolts installed upside down, then generator fits snug, and is locked directly to the pad. Yup, I know a set of bolt cutters can still take it away, but it is underneath a motion/security light. Typically if a storm is bad enough to require the generator somebody is always home...locked and loaded, the pistol and shotgun...

Evacuations around here can sometimes be a joke...reminds me of our first year here. Had not been in NC 10 days when a hurricane came in, we went to the local high school for shelter, it flooded and had other damage...got home 2 days latter and our MH was dry and damage free, although a huge pine tree had fallen into my sons Mustang and my neighbors Suburban.

Sometimes you just never know when to stay or go. Thankfully we are far enough inland, learned the lay of the land and know what roads will get flooded and other low lying areas.

My main concern this year is that we bought an aluminum double carport. During the recent sub tropical storm we had that baby looked like she wanted to take flight. When we bought it I ordered the legs a foot taller so it is 7 foot supports (legs) and she can really catch some air. If it takes flight it will go into our garage, or over that into the neighbors trees, or the other way to the pool! :shock: The legs are secured to the ground and everything is stable other than the actual top starts to do this flexing/bowing motion with every gust of wind. I fear the sheets of aluminium will pull threw the screws that secure it.

~Yanita~
The difference between success and failure is who gives up first!

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Harry
Posts: 1249
Joined: Mon Feb 26, 2007 7:45 pm
Location: Citrus county Florida

Thu May 24, 2007 12:21 pm

Hi

I like the slab idea. That should slow them looters down.

I wouldn't worry about the carport too much. Maybe throw a couple of ropes over the roof and lash it down. Take great care of the insurance policy.

We evacuate to a concrete Junior High School. Food's not bad. Right after the storm passes we come back home. We have special area specific disaster decals which allow us to reenter our property.

Here's a tip on purifying water.

Use household bleach. (Must contain 5.24% hypochlorite) For one gallon of water, add 8 drops (⅛ teaspoon) if water is clear; if water is cloudy, add 16 drops (1/4 teaspoon). For five gallons of water, if water is clear, add ½ teaspoon; if cloudy, 1 teaspoon. Let water stand at least 30 minutes before drinking.

Harry
Aside from the roof leak, soft floors, rats, mice and bursted plumbing ........ how do you like it?

Locked