Amber S asked:


I bought my home 3 years ago this month. Last summer I discovered a crystal formation growing on the exterior wall of my spare bedroom. I contacted my insurance company, an adjustor came out, had to contact a guttering specialist because the adjustor had seen nothing of this nature. Turns out, back when the house had new guttering installed (prior to my owning it) they put the drip lip on instead of a guttering apron. As a result whenever it rained the water went down the exterior wall causing extensive damage. The insurance took 4 months to decide they wouldn’t pay because it was wrong by design, however, since they came and did an inspection before I purchased the home, shouldn’t it be their fault for not finding this error? Please only respond if you have a clue.
So I paid for a home inspection for what then?
In addition, what in the heck would take 4 months for them to decide on? Meanwhile my house grows mold?? Trust me I will be contacting the insurance commissioner.
Yes the guttering has been fixed, paid for out of pocket. I’m not asking them to pay for the guttering, just the interior damage that wasn’t seen (rotting boards and thus removal of siding to fix). I have a big issue with they waited to answer on the whole thing until December when it’s too cold to gutter/roof in Kansas and we suffered an enormous ice storm which cause undoubtedly more damage that had they responded to it sooner, would not be as extensive.

Pennsylvania holds the distinction of being the state where forty percent of all mobile homes in the northeast section of the United States are located. People in Pennsylvania are obviously drawn to the charm of these humble dwellings. A manufactured home is a wonderful choice for anyone whether it’s a young family buying their first house or a retired couple who want to move out of their larger home into something more manageable.

Regardless of why the person purchased their mobile home they need to all consider one important thing. That is that buying homeowner’s insurance for a mobile home in Pennsylvania should be at the top of their list of things to do. If the home is a relatively new one and the individual had to mortgage it, the lien holder is likely going to require that mobile home owner insurance be purchased so they can protect their investment.

Beyond the scope of buying the insurance to satisfy the requirements of a mortgage, every homeowner must weigh the risk of forgoing insurance. Even though most people luckily never have to face the consequences of a fire or a theft, those things do occur and for someone without insurance, any loss they suffer will become their sole responsibility. This means that if a person purchases a mobile home, fills it with expensive electronics and furnishings and then opts not to buy insurance in an effort to cut corners financially, they risk losing everything if a fire occurs or if they are in the path of a devastating storm.

Saving money on mobile home insurance is possible and typically involves being careful not to make unwarranted claims and also to pay the premiums less often. If the insurance company offers a monthly payment plan, this can seem very tempting to someone who would rather shell out a small amount per month as opposed to a larger amount once a year. It’s not a good approach though as most monthly payment plans come complete with hefty service fees.

By: Deborah Mills

About the Author:

z1spynltap asked:


I own the property and mobile home but have no homeowners insurance.(times are tough just couldn’t afford it)

Skulkarn asked:


Thinking of buying a home. Can anyone tell me what a 4 bdr home for $350,000 would cost in homeowners insurance for the Tampa/Riverview Florida area?

xoshellyxo asked:


I had two claims in two years. They won’t renew, my policy has expired and I can’t find anyone that will cover me. Anyone sell insurance? I had a claim last summer when a limb fell through my camper. The insurance paid out $500. October 2007 I had a pipe burst in my foundation they had to pay out $22,000 that time. Right now I’m uninsured and nervous.
Thanks for your help, someone finally called me back and got me covered today. I feel much better now.

Thanks again and have a great day

GreatInfoProducts asked:

A video explaining how to get homeowners and home renters insurance quotes for FREE online. It’s really easy. The website in the video is: www.great-info-products.com

Rsgw asked:


House is in CA.

2cents worth asked:


Houston, TX
American Risk Insurance

My insurance company sent me a check (still have) for my roof claim. Here is what they gave me.

Remove Shingles, 3-Tab, 28.27 SQ@ $25.00
Asphalt, 25yr

Replace Shingles, 3-Tab, 31.33 SQ@ $127.45 material
Asphalt, 25yr 28.33 SQ@ $57.55 labor

Are these dollar amounts per SQ reasonable or too low.

I ask because these amounts were modified from what the independent adjuster had written. I know this because it was marked by an asterisk.

dsjnix asked:


We filed a claim on homeowners insurance due to the fact that our dishwasher was flooding our sub flooring when it would drain and it did a good deal of damage, about $15,000 worth. Initially they told us for weeks that they were covering it and just waiting for estimate from restoration company. Now they have just told us that the claim was denied, said that they are waiting some answers from the restoration company. In the meanwhile I am stuck with a torn up kitchen with no cabinets, no sink, and no floor!!! Wondering what I need to do to expedite this as it has drug out for 3 months now. Should I hire an attorney or file complaint with insurance commissioner ? If attorney, then what kind of attorney? We live in Georgia.
Can’t go afte the installer of the dishwasher, it was installed before we moved into the house over 6 years ago, so apparrently something that just began happening.

Nadia asked:


hi,Im looking for the cheapest homeowners insurance online.thanks
i’m not gonna buy online,i just need i quote.thanks