[azrairc]

What kind of requirements do you run into?

Are you able to get more than liability?

I've been trying to research it but haven't been able to find out a ton

[Sunshine Rules]

This info is from 2018 but it may still give you a starting point for mobile home insurance in FL:

https://www.myfloridamobilehomeinsur...nce-companies/


There are restrictions regarding age of the mobile home, how it is tied down to the ground (hurricane strapping), even whether the mobile home was manufactured for the state of FL vs another state can impact whether it can be insured.

Good luck with your search and please report back if you find an acceptable company/ policy.

[Racer46]

Originally Posted by Sunshine Rules

This info is from 2018 but it may still give you a starting point for mobile home insurance in FL:

https://www.myfloridamobilehomeinsur...nce-companies/


There are restrictions regarding age of the mobile home, how it is tied down to the ground (hurricane strapping), even whether the mobile home was manufactured for the state of FL vs another state can impact whether it can be insured.

Good luck with your search and please report back if you find an acceptable company/ policy.

Distance from the beech also. Family member bought last year and the insurance was not an issue. Older trailer.

[wrat]

we lived in manufactured home in the mid '90,s had insurance it was not a problem

[Ghaati]

Couple things, there's a legal distinction between mobile home and manufactured home, even though they're basically the same thing. The term "manufactured home" was applied to the structures that are typically in neighborhoods known as "trailer parks" in 1976. Prior to that they were called mobile homes.

So if you have an ACTUAL mobile home, it's not likely you'll find anyone to insure it at all. It's a liability, not an asset. If it's a manufactured home, its value will depend on several things, including its age. The older it is, the less valuable. The less valuable, the less likely you'll find a company willing to insure it.

Insurance is hard to find because it's not a permanent structure attached to a foundation, but it's also not technically a motor vehicle since it lacks a motor - and wheels. Most insurance companies won't touch them. The ones that do charge an arm and a leg and the return isn't even the value of the structure itself.

We pay around $2000 a year for a "double wide" manufactured home that came in several pieces and connected into the ground with tie-downs back in 1985, and our "total loss" value is under $35,000.

[azrairc]

Originally Posted by Ghaati

Couple things, there's a legal distinction between mobile home and manufactured home, even though they're basically the same thing. The term "manufactured home" was applied to the structures that are typically in neighborhoods known as "trailer parks" in 1976. Prior to that they were called mobile homes.

So if you have an ACTUAL mobile home, it's not likely you'll find anyone to insure it at all. It's a liability, not an asset. If it's a manufactured home, its value will depend on several things, including its age. The older it is, the less valuable. The less valuable, the less likely you'll find a company willing to insure it.

Insurance is hard to find because it's not a permanent structure attached to a foundation, but it's also not technically a motor vehicle since it lacks a motor - and wheels. Most insurance companies won't touch them. The ones that do charge an arm and a leg and the return isn't even the value of the structure itself.

We pay around $2000 a year for a "double wide" manufactured home that came in several pieces and connected into the ground with tie-downs back in 1985, and our "total loss" value is under $35,000.

so if it gets wiped out you'll only get 35k? is insurance even worth it. I checked factory expo and they are going for 100k for the newest and smallest. Probably built to slightly better standards today

I was looking at one similar to what you described, DW built in 1985 on half an acre in central florida

[Racer46]

Originally Posted by Ghaati

Couple things, there's a legal distinction between mobile home and manufactured home, even though they're basically the same thing. The term "manufactured home" was applied to the structures that are typically in neighborhoods known as "trailer parks" in 1976. Prior to that they were called mobile homes.

So if you have an ACTUAL mobile home, it's not likely you'll find anyone to insure it at all. It's a liability, not an asset. If it's a manufactured home, its value will depend on several things, including its age. The older it is, the less valuable. The less valuable, the less likely you'll find a company willing to insure it.

Insurance is hard to find because it's not a permanent structure attached to a foundation, but it's also not technically a motor vehicle since it lacks a motor - and wheels. Most insurance companies won't touch them. The ones that do charge an arm and a leg and the return isn't even the value of the structure itself.

We pay around $2000 a year for a "double wide" manufactured home that came in several pieces and connected into the ground with tie-downs back in 1985, and our "total loss" value is under $35,000.

My Brother in laws was in total just over $1,000.00 a year and had about the same value as yours, and included $100,000.00 in liability insurance.

[Ghaati]

Originally Posted by azrairc

so if it gets wiped out you'll only get 35k? is insurance even worth it. I checked factory expo and they are going for 100k for the newest and smallest. Probably built to slightly better standards today

I was looking at one similar to what you described, DW built in 1985 on half an acre in central florida

Yes we have liability on it too, we also have a few other things in the policy because we own the property, we don't lease it.

It's worth it if you think you're in an area where you could suffer catastrophic damage to your home, yes. I can shell out $1847 a year, or I can shell out $35,000 just once, plus whatever ELSE I need to shell out for an actual replacement (since they don't make this model anymore).

The resale value on our home is almost $200,000. We would have to pay around that much, if we were to buy a similarly built home in the same neighborhood.

If it was truly a total loss of the structure, it'd cost us a lot less to put a new one in than the $200,000 sales price to buy in the area.

But that's what insurance on these structures costs around here, and there are only one or two insurance companies that will touch them at all. So we either pay what they charge, or we do without.

[azrairc]

Originally Posted by Ghaati

Yes we have liability on it too, we also have a few other things in the policy because we own the property, we don't lease it.

It's worth it if you think you're in an area where you could suffer catastrophic damage to your home, yes. I can shell out $1847 a year, or I can shell out $35,000 just once, plus whatever ELSE I need to shell out for an actual replacement (since they don't make this model anymore).

The resale value on our home is almost $200,000. We would have to pay around that much, if we were to buy a similarly built home in the same neighborhood.

If it was truly a total loss of the structure, it'd cost us a lot less to put a new one in than the $200,000 sales price to buy in the area.

But that's what insurance on these structures costs around here, and there are only one or two insurance companies that will touch them at all. So we either pay what they charge, or we do without.

ah and how is the house itself?

I've look at a few and came up with tons of repairs in inspections. But I'm guessing it comes down to the owner