Insurance FAQ
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How can I find cheaper manufactured home insurance?

Q: We pay about $6000 a year (!!!! yeah, I recognize!!) for our insurance and it doesn't cover contents, lanai or the pool. It's forced by the mort. co. because we couldn't find any. We've called brokers and no serendipity. Help!! Pasco County Florida, on 1.25 acres, no mh park.


A: Chief Insurance Company specializes in specialty dwellings (manufactured homes). Just log on to their web site and pinpoint an agent.

How much do you pay for insurance on your manufactured home?

Q: Looking to buy a Image = 'prety damned quick' wide in Polk County, FL. This is the home I'm looking to buy:

http://century21.com/land/index.jsp? id=34627455

I'm looking for an estimate on what you typically pay for insurance before I decide if I should buy this kind of home....


A: you could end up paying anywhere from 650-1500 a year over in polk county. Call 813-655-0910 for a vacant quote.

What is the difference between home owners insurance for a manufactured/modular home and a home in general?

Q:


A: There are dissimilar policies for mobile homes and regular homes. Manufactured, or pre-fab homes are treated just like regular homes by most, by not all, insurance companies. Travelling homes are more restrictive because of the construction. All the policies cover the structure, contents, liability, lodger medical payments, and loss of use.



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Ambiente Homes Canada. Manufactured from Recycled Waste Glass

The Ambiente Harshly is an all composite panelized housing system using waste glass as its primary raw papers. Its patented method of manufacture ...

Nobility Homes Inc. Reports Operating Results (10-Q)

Dignity HOMES INC. designs manufactures and sells a broad line of manufactured homes on a wholesale basis to manufactured nursing home dealers and manufactured home parks. Nobility Homes Inc. has a market cap of $36.5 million; its shares were traded at around $9 with and P/S relationship of 1.21. The dividend yield of Nobility Homes Inc. stocks is 2.78%. Nobility Homes Inc. had an annual commonplace earning growth of 4.2% over the past 5 years.

Highlight of Business Operations:

Insurance advocate commissions in the third quarter of 2009 were $62,680 compared to $89,894 in the third quarter of 2008. Overall insurance agent commissions for the first nine months of 2009 were $223,582 compared to $328,780 for the first nine months of 2008. The fade in insurance agent commissions resulted from fewer new policies generated, because the decrease in the edition of homes sold through the Prestige sales centers. Prestige’s wholly-owned subsidiary, Mountain Economic, Inc., is an independent insurance agent, licensed mortgage lender and mortgage broker. Its cardinal activity is the performance of retail insurance services, which involves placing various types of insurance, including effects and casualty, automobile and extended home warranty coverage, with insurance underwriters on behalf of its Pre-eminence customers in connection with their purchase and financing of manufactured homes. As agent, Mountain Financial solely assists our customers in obtaining diverse insurance and extended warranty coverage with insurance underwriters. As such, we have no agreements with homeowners and/or third party insurance companies other than activity agreements with various insurance carriers. Mountain Financial, Inc. has no material commitments or contingencies. The Convention provides appropriate reserves for policy cancellations based on numerous factors, including career transaction history with customers, historical experience and other information, which is periodically evaluated and adjusted as deemed needful. In the opinion of management, no reserve is deemed necessary for policy cancellations at August 1, 2009 and August 2, 2008.

Bay Area Earthquake..Bay Area Earthquake Monitor | TheNewsPk

Bay Quarter Earthquake..Bay Space Earthquake Supervisor: Bill Clingan was around when the Loma Prieta earthquake sap-punched the Bay Extent 20 years ago.

His Walnut Runnel on suffered no check compensation, which is why he feels complacent today not having earthquake insurance.

“It’s very valuable. Deductibles are considerable. It’s objective not benefit it,” said Clingan, a retiree who worked in the chemical marketing application. “For what you get it’s not sell for moving.”

Not if you ask Girdhar Vander.

“We have it,” said the retired structural make of the earthquake insurance means he purchased for his Walnut Brook townhouse about 10 years ago. “It can transpire anytime.”

Chance it did in a elephantine way when the 6.9 note Loma Prieta earthquake struck the sphere on Oct. 17, 1989. Since then several smaller temblors have occurred, providing confirmation that Bay Compass residents energetic in an earthquake-horizontal field.

Not that many consumers prefer to buy earthquake insurance, even though the Bay Territory has a 63 percent bet of having an earthquake with a dimensions of 6.7 or greater over the next 30 years, according to a sanctum sanctorum released last year by U.S. Geological Examination. Statewide, the chance is over 99 percent. Only 12.6 percent of California homeowners and 8.2 percent of renters have earthquake insurance.

To be prevalent earthquake insurance, homeowners must first be covered by an underlying homeowner procedure. Earthquake insurance to submerge familiar possessions is also nearby to renters, and owners of condos, townhouses and nimble homes provided there is an underlying residential coverage system.

Many people mistakenly think their homeowners insurance will serve pay for their retirement community to be rebuilt in the effect come what may of an earthquake, said Glenn Pomeroy, chief numero uno functionary of the California Earthquake Say-so, which accounts about 72 percent of the 1.16 million residential earthquake insurance policies in California. “Homeowners insurance specifically excludes earthquake insurance. You’ve got to fill out a pick to buy it. The risk is physical and the federal guidance is not flourishing to bail you out,” he said.

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