Reply
Go Back   TexasBowhunter.com Community Discussion Forums > Topics > Around the Campfire
 
Thread Tools Display Modes
Old 10-12-2017, 09:08 PM   #1
175gr7.62
Ten Point
 
175gr7.62's Avatar
 
Join Date: Feb 2009
Location: Hallsville, TX
Hunt In: Red River County,Harrison County, SW Kansas,
Default Need an insurance agent: Mobile Home.

Looking for an agent for some insurance. Sort of a unique situation and my agent from the last 20yrs isnít coming through. Need to buy a policy.


Sent from my iPhone using Tapatalk
175gr7.62 is online now   Reply With Quote Back To The Top
Old 10-12-2017, 09:10 PM   #2
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Kempner,Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

Is it a new one?
Is it a primary residence?
Where is your current agent falling short?
flywise is offline   Reply With Quote Back To The Top
Old 10-12-2017, 09:21 PM   #3
175gr7.62
Ten Point
 
175gr7.62's Avatar
 
Join Date: Feb 2009
Location: Hallsville, TX
Hunt In: Red River County,Harrison County, SW Kansas,
Default

We sold our big house and I bought my g-paws property but we have a life estate on it so he is still living in the main house. I bought an AthensPark mobile home to put out here to live in until my g-dad heads upstairs to see the Man.

We have been totally redoing the inside of this thing to make it into the lake lodge and got a call that since it doesnít have skirting they are going to cancel the policy on 10/23 that I bought due to liability reasons. Itís going to be Jan before all the decking and skirting is done.

I need someone to sell me a policy for replacement and contents without the decks and skirting being in place for now. Iím not worried about liability and my agent wonít sell a policy without liability.


Sent from my iPhone using Tapatalk
175gr7.62 is online now   Reply With Quote Back To The Top
Old 10-12-2017, 09:28 PM   #4
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Kempner,Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

so, they are going to cancel the home and contents policy as well as the liability policy?
They are typically seperate policies and you dont need liability if you dont want it. Although its always a good idea yo have it because its really really cheap.
Your quite far away from me or id write you up a quote.
flywise is offline   Reply With Quote Back To The Top
Old 10-12-2017, 09:35 PM   #5
OldRiverRat
Ten Point
 
OldRiverRat's Avatar
 
Join Date: Mar 2009
Location: Deer Park, TX
Hunt In: Navarro County
Default

They are a stickler about skirting on mobile homes


Sent from my iPhone using Tapatalk Pro
OldRiverRat is online now   Reply With Quote Back To The Top
Old 10-12-2017, 09:38 PM   #6
Slew
Pope & Young
 
Slew's Avatar
 
Join Date: Jun 2010
Location: Lindale, TX
Hunt In: nowhere close to home
Default

I can do it Monday most likely. Out for Texas State Crappie Championship next 2 days.


Sent from my iPhone using Tapatalk
Slew is offline   Reply With Quote Back To The Top
Old 10-12-2017, 10:11 PM   #7
175gr7.62
Ten Point
 
175gr7.62's Avatar
 
Join Date: Feb 2009
Location: Hallsville, TX
Hunt In: Red River County,Harrison County, SW Kansas,
Default

Quote:
Originally Posted by flywise View Post
so, they are going to cancel the home and contents policy as well as the liability policy?
They are typically seperate policies and you dont need liability if you dont want it. Although its always a good idea yo have it because its really really cheap.
Your quite far away from me or id write you up a quote.


We had it written up as a regular homeowners policy. I guess they sent someone out to inspect and since there is no skirting they wonít do liability. I told them to take off the liability and they said they wonít write homeownerís policies without liability.

This has been one of the worst experiences I have ever dealt with.

Public Service Announcement: Do not buy a mobile home. Iíve bought $300k houses and $900k commercial properties and have never dealt with the BS that has gone into this. I understand that most people that buy mobile homes are not necessarily cash flush or the best insurance risk but this is insane.


Sent from my iPhone using Tapatalk
175gr7.62 is online now   Reply With Quote Back To The Top
Old 10-12-2017, 10:18 PM   #8
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Kempner,Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

Quote:
Originally Posted by 175gr7.62 View Post
We had it written up as a regular homeowners policy. I guess they sent someone out to inspect and since there is no skirting they wonít do liability. I told them to take off the liability and they said they wonít write homeownerís policies without liability.

This has been one of the worst experiences I have ever dealt with.

Public Service Announcement: Do not buy a mobile home. Iíve bought $300k houses and $900k commercial properties and have never dealt with the BS that has gone into this. I understand that most people that buy mobile homes are not necessarily cash flush or the best insurance risk but this is insane.


Sent from my iPhone using Tapatalk
We have written several MH and never really had any issues but that said i do believe they all had skirting and hand rails on steps so that may be why they were so easy. Sorry your having trouble unfortunately some companies have pretty tight guidelines.
flywise is offline   Reply With Quote Back To The Top
Old 10-12-2017, 11:22 PM   #9
Felix40
Ten Point
 
Felix40's Avatar
 
Join Date: Jan 2008
Location: Farmington, NM
Hunt In: Public land
Default

This is the agent I use for the the poor house. I had these same issues as you when I bought my house.

http://www.jimtomaninsurance.com
Felix40 is offline   Reply With Quote Back To The Top
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 01:45 PM.


Powered by vBulletin® Version 3.8.1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.
Copyright 1999-2012, TexasBowhunter.com