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Old 06-24-2010, 09:11 PM
 
Location: USA
1,895 posts, read 4,000,027 times
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Typical cost? The online calculators don't work, I have filled in info 5 times and gotten no estimates - I know it has to do with the home, etc. Just generally speaking, what does 100,000 of mobile home insurance cost? Ballpark figure

tia
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Old 06-24-2010, 09:19 PM
 
Location: Seaford, Delaware
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You need to get a quote from an agent who does mobile homes. Mobile homes depreciat about the same as a car. It need special considerations.
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Old 06-24-2010, 09:36 PM
 
Location: USA
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I just wanted someone who had this to tell me what they pay so I know what to expect.....I realize I would need to talk to an agent......
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Old 06-24-2010, 09:40 PM
 
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Depends on weather you want replacement cost or actual cash value and if its a single or double wide and the sq.footage. As ShaneSA said call an agent for quotes. $100,000 around $1200.00 per year.
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Old 06-25-2010, 03:27 AM
 
Location: Florida
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It also depends on where it is.
We bought an old one in Florida (hurricane danger) and with land value deducted could only get $25,000 coverage but are paying $1100 for it.
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Old 06-25-2010, 07:48 AM
 
2,341 posts, read 5,971,121 times
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Quote:
Originally Posted by Sundance View Post
Typical cost? The online calculators don't work, I have filled in info 5 times and gotten no estimates - I know it has to do with the home, etc. Just generally speaking, what does 100,000 of mobile home insurance cost? Ballpark figure

tia
I do not know where your $100,000 comes in,I have a 28 X63 1998 insured thru AARP thru Foremost for $650 with mimimal coverage on out buildings,this is replacement.Contents replacement.Most homes new are in $60,000-$70,000 and go downhill from there.If insurance was more I would go uninsured,have never had claim in 50 plus years.I live in North Florida.
They will not insure near coast,I believe 50 miles.

Last edited by DanBev; 06-25-2010 at 07:50 AM.. Reason: add info
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Old 06-25-2010, 11:17 AM
 
11,604 posts, read 19,456,108 times
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Quote:
Originally Posted by Sundance View Post
Typical cost? The online calculators don't work, I have filled in info 5 times and gotten no estimates - I know it has to do with the home, etc. Just generally speaking, what does 100,000 of mobile home insurance cost? Ballpark figure

tia
I doubt you can get that much insurance on a mobile home.
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Old 06-25-2010, 11:21 AM
 
Location: Somewhere in northern Alabama
16,606 posts, read 50,393,519 times
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That $1200 per $100K figure sounds a little low, but that is ballpark. A LOT of mobile homes/manufactured homes/doublewides are not insured because of the rate penalties compared to stick built housing. The poor performance of older models weights the averages against the better quality newer models of the past few years. Even as one of these depreciates, the rates go up (unlike auto insurance).

Edited to add - $100K is not uncommon for many of the newer heavyweight models. They aren't the old tuna can construction.
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Old 06-27-2010, 08:36 PM
 
Location: USA
1,895 posts, read 4,000,027 times
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It's LIABILITY and is required by the park we are moving into. Obviously one can obtain it or it would not be a requirement.
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Old 06-27-2010, 09:42 PM
 
185 posts, read 613,373 times
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Quote:
Originally Posted by Momma_bear View Post
I doubt you can get that much insurance on a mobile home.
Yes you can on a doublewide mobile home. I don't know about a single wide.
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