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Old 05-10-2012, 01:30 AM
 
3 posts, read 7,965 times
Reputation: 10

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Hello everyone, I just bought an older 1976 mobile home in Live Oak,Fl...Not many insurance companies are willing to insure such an old mobile home, can anyone out there "HELP US" has anyone out there had this nightmare?! Does anyone know of an insurance company that will insure a 1976 mobile home in Suwanee County Florida?
Thank you all in advance

Michelle3240
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Old 05-11-2012, 07:27 PM
 
Location: Ocala, FL
2,164 posts, read 2,136,061 times
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Maybe Citizens, that is the insurer of last resort and it is managed/regulated by the state of Florida. Have you tried contacting an independent insurance agency?
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Old 06-15-2012, 08:30 PM
 
2 posts, read 6,704 times
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No chance of insurance. I bought a lot with a 1965 mobe and could NOT get any insurance. I had it replaced with a brand new Jacobsen, and then STILL couldn't get insurance. Reason: Mobe had not been insured for the last 30 days. Normally the dealer puts a temporary policy for the finance company. Unfortunately, I paid cash so the dealer put no insurance on it nor was I warned about the "we won't issue a policy on a mobe that has never been insured". I FINALLY did get insurance, but at a premium price, with a promise of a reduction in future years.
.
1965= house trailer ~ 2012="manufactured home"...still a damn house trailer!
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Old 06-16-2012, 06:16 PM
 
1,685 posts, read 3,404,972 times
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A 1976 does not meet any wind code,is of so little value,why insure.
A senior with AARP can get insuranc on 1997 wind code 2 and up 50 miles from coast with Foremost which I have.Your main threat in North Florida is lightning.
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Old 06-21-2012, 02:15 PM
 
Location: FL
1,717 posts, read 1,284,005 times
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^^^^^^ What he said, it probably costs more in permits and transport than the mobile by itself is worth, if you had to replace it. I'm in the same boat, my 1950 expanded fishing shack, no insurance company will touch it with a 100 ft pole.
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Old 06-21-2012, 03:51 PM
 
Location: Ocala, FL
2,164 posts, read 2,136,061 times
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Quote:
Originally Posted by Sgt. Buzzcut View Post
no insurance company will touch it with a 100 ft pole.
Try using a longer pole, maybe that will work.
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Old 06-21-2012, 08:51 PM
 
Location: FL
1,717 posts, read 1,284,005 times
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Quote:
Originally Posted by dontaskwhy View Post
Try using a longer pole, maybe that will work.
Ha ha, no I wouldn't care if the place got swept out in the middle of the Lake, I don't like the way it's positioned on the lot anyhow. On a more serious note, last storm that came through my neighborhood, FEMA was out cutting checks in the thousands.
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Old 09-22-2012, 11:34 AM
 
1 posts, read 5,780 times
Reputation: 11
Default Foremost Insurance will insure most older mobile homes

Request a quote:


Foremost Insurance Group - Offering Insurance for a Wide Variety of Special Items - Automobile, Mobile Home, Home, Motorcycle, Motor Home, boat, wave runner, jet ski, snowmobile
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Old 09-23-2012, 02:33 PM
 
2,173 posts, read 1,608,368 times
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Do yourself a favor. Pretend you're self insured and put the money away that you'd be paying for insurance. Before too long you'll have more than the insurance would pay out.
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Old 09-24-2012, 07:30 AM
 
195 posts, read 226,676 times
Reputation: 312
Foremost won't take older Mobile Homes, they lead you on, ask for tons of pictures, etc. and drag it out until you give up. My friends self insure like mentioned above.
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