Manufactured Home Insurance?

Manufactured Home Insurance?

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  #11  
Old 02-16-2019, 07:38 AM
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Daisy Daisy is offline
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Join Date: Jun 2010
Location: Bayshore Village, Ontario, OBG The Villages
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We use Cabrillo Coastal General Insurance/Safe Harbour Ins Co, through The Villages Insurance, 352-751-6622.
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Bayshore Village, Ontario, TV-Orange Blossom Gardens
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  #12  
Old 03-07-2019, 08:41 AM
justjim justjim is offline
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Location: Illinois, Tennesee, Florida, Village of Caroline, Sanibel, LaBelle
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Quote:
Originally Posted by Jazuela View Post
We won't be living there for a few more months. We're coming down for the closing and to start setting up a couple of essentials. But I've only met one neighbor and that was during the initial walk-through of the house and it was on our way back to the agent's office.

Meanwhile, thanks to everyone who answered the question!
We bought one about seven years ago. It needed work so we told the insurance company it was empty and would be for a couple months. We had to insure it through “Lloyd’s of London” because nobody was living in it. Very Expensive for 3 months of insurance. Now, I know there were several rentals where nobody was living there. My guess is they just didn’t tell... However, perhaps if something did happen - - would they be insured? Your guess is good as mine.
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  #13  
Old 03-07-2019, 11:00 AM
cndlou3 cndlou3 is offline
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Join Date: Jul 2016
Location: Village of Woodbury & IL
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Before buying in TV we had a Mobile Home in Leesburg, we had our insurance through West-Gate Jones Insurance Co. Now that we own in TV we still use them and have nothing but good things to say about them! Wonderful people and they went above and beyond to help us when we had a claim on the MH. Would highly recommend them. 352-787-7548.
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  #14  
Old 03-07-2019, 04:29 PM
Jazuela Jazuela is offline
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Join Date: Feb 2015
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We ended up having the Villages Insurance get quotes for us, since we really didn't have much time to shop around. We got coverage for a year on our home and the used golf cart we purchased, for under $1000 combined. For this first year, I think it was more important to get insurance right away, than it was to worry about the best deal on it. Next year we'll have been living there for awhile, and will be in a much better position to price-shop for the most coverage we can get for our money (whatever that happens to be a the time).
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  #15  
Old 03-07-2019, 05:24 PM
GatorFan GatorFan is offline
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Join Date: Jul 2007
Location: The Villages
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Clifford Insurance who is local can help you out. Been in business over 40 years

Clifford Insurance Center | Summerfield Auto, Home, Business, Life

Last edited by GatorFan; 03-07-2019 at 05:24 PM. Reason: Spelling
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  #16  
Old 03-07-2019, 06:53 PM
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Nucky Nucky is offline
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I have our Insurance thru The Villages Ins. I am very pleased with them. The first year we bought from Foremost for around (Sit Down) $1400 but the Hurricane, Catastrophic & Sink Hole Coverage has a $500 deductible and if the entire area was wiped out GOD FORBID they would pay to clear my property of any other home or debris that may land on it. I think the value of the home was around 80K, Personal Property was about 35k.

The second year was Modern USA which changed their name to something similar to that name and the deductible was $2300 for Hurricane and the coverage was 60K and I don't remember if it covers Sink Hole or Catastrophic but I imagine it must have or I wouldn't have gone for it. The price was about $700.

Third-year back to Foremost for the maximum coverage that they allowed because when Irma was bearing down on us and Tuccillo was giving his valuable forecast I slept like a big, big baby at a friend's Mom's house in Georgia.

You who shared before me gave some excellent information. I'm on it like white on rice! Thank's a Million!!
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  #17  
Old 03-09-2019, 08:23 AM
ohiosbestus ohiosbestus is offline
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Join Date: Dec 2012
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We purchased a home in Orange Blossom district, but it is actually in Country Club Hills Village, we are paying over 2400 a year for insurance. It is a total rip off because there is only 1 company selling insurance for double wide homes in the state of Florida. They have no competition so they can charge what ever they want. By the way, we bought a home on Marigold Drive. We absolutely love it here except for the high insurance costs and the championship golf courses are over priced.
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  #18  
Old 03-19-2019, 02:31 PM
Jazuela Jazuela is offline
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Quote:
Originally Posted by ohiosbestus View Post
We purchased a home in Orange Blossom district, but it is actually in Country Club Hills Village, we are paying over 2400 a year for insurance. It is a total rip off because there is only 1 company selling insurance for double wide homes in the state of Florida. They have no competition so they can charge what ever they want. By the way, we bought a home on Marigold Drive. We absolutely love it here except for the high insurance costs and the championship golf courses are over priced.
You were given bad information then. When I went to the Villages Insurance (which is a broker, not the actual insurance company), I was presented with the three top options. Three different insurance companies, each offering insurance for our manufactured home in the Orange Blossom CC area. We paid under $1500 for the option we selected. There's not a "lot" of competition, but there is enough to keep the costs to a reasonable number.
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