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Old 10-19-2006, 07:05 PM
 
1 posts, read 7,326 times
Reputation: 13

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In February 2004 I purchased a manufactured home (1280 sq. feet) in Ormond Beach, Florida. My lot rental fee started off at $398, it is now #460 (two years later). We are being asked to assume a tax hike for the property owner and today I learned that my homeowners insurance will triple in December (from $700 to $2100 per year). When we bought a manufactured home we did so because it was affordable. I can no longer afford to insure it and to assume all the other increases that are coming down the pike. What do other people do???
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Old 10-19-2006, 08:03 PM
 
504 posts, read 1,619,593 times
Reputation: 324
A lot of people self insure, in other words they have no insurance, a lot of people can not afford it including my mother and me. This is the biggest mess I have ever seen and the insurance companies are using new type formulas to be able to raise rates and YES they are making billion dollar profits. If you have a mortgage on regular homes you have to have insurance. I can understand your lot rent going up, the people that have rental properties are hit the hardest on taxes, they are not capped like homestead property at 3% a year. I have a friend who rents to low income people nice houses, and he had to raise rents over a 100.00 a month on each house and that was just to offfset his tax bill. People are not making any more money and my mothers social security did not go up 2.5 times.
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Old 02-27-2007, 06:17 PM
 
Location: Arcadia Fl
5 posts, read 20,045 times
Reputation: 13
Unhappy Insurance on Manufactured Homes

My insurance just jumped from 1300.00 per year to almost 2400.00 a year! I also bought my home in 2004, and until this year I always had my home insured for replacement value. I was lucky with Charlie, had alot less damage than most of my neighbors, but this is crazy! Every cent I have is invested in my home! Christie had better live up to his promises...
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Old 02-27-2007, 06:48 PM
 
4,948 posts, read 16,057,339 times
Reputation: 2855
Quote:
Originally Posted by LyndaS View Post
My insurance just jumped from 1300.00 per year to almost 2400.00 a year! I also bought my home in 2004, and until this year I always had my home insured for replacement value. I was lucky with Charlie, had alot less damage than most of my neighbors, but this is crazy! Every cent I have is invested in my home! Christie had better live up to his promises...
my insurance was 1200 per year, and got the non renew. with citizens the prices range 3400 to 5000. then because of the jan
freeze travelers said i could come back the rate 2100 and up. i did not take out any replacement value on the inside, and decided to stick with royal palm
why, in one year i just would get another non renew. there rate 1093?
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Old 03-01-2007, 08:16 AM
 
Location: Arcadia Fl
5 posts, read 20,045 times
Reputation: 13
Quote:
Originally Posted by maggiekate View Post
my insurance was 1200 per year, and got the non renew. with citizens the prices range 3400 to 5000. then because of the jan
freeze travelers said i could come back the rate 2100 and up. i did not take out any replacement value on the inside, and decided to stick with royal palm
why, in one year i just would get another non renew. there rate 1093?
Yikes...but you have given me something to think about..if I don't insure the house contents maybe I could save a little...hate to do it tho..what a mess!
(oh and my apologies to Gov Crist for misspelling his name in my last post)
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Old 03-01-2007, 10:59 AM
 
Location: So. Dak.
13,495 posts, read 33,441,002 times
Reputation: 15044
Jane, does your insurance include damage from wind and flood or is that just your basic coverage such as for fire and liability?
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Old 03-02-2007, 07:38 PM
 
166 posts, read 212,290 times
Reputation: 117
Ok, this I know something about! lol
I've just been going nuts trying to find decent, affordable insurance for my 2000 mobile. My absolutely best deal was through Foremost Insurance. There's a tiny catch....they don't write insurance on mobile homes in Florida UNLESS you're a member of AARP.
Seriously, I always thought that Hubby's membership was useless, but this convinced me. Not only was the cost about $500 less for a year, but my coverages are amazing! I was quoted $1750 by another company and $1260 with Foremost with much better coverages.
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