Homeowners Insurance For Trailers

Tennessee home burns to ground while firefighters watch from afar

It is not because the firefighters don't care, but it is because they are ordered to not intervene based on the "Pay for Spray" policy the city of South Fulton has in place. Under this program, homeowners that reside outside city limits and do not have a local fire department can be protected under South Fulton's department, however a $75 fee is required; it is likened to an insurance fee. In September 2010 the city of South Fulton gained national attention after a home that was located in the fire district burned to the ground as firefighters stood in the distance. The reason why the firefighters did not battle the blaze was because the homeowner hadn't paid the $75 fire protection fee under South Fulton's "Pay for Spray" policy. Mayor McGuire, in response to Mayor Crocker's saying the issue is a county-level one, admitted the current setup for fire protection using South Fulton's services in exchange for a fee "isn't ideal", but it is the best of the three options currently available. Other possibilities would be to build a new countywide fire department from the ground up (large tax increase), or to initiate a smaller tax increase to residents, which would then be allocated to local fire departments.

Why do people spend tons on a mobile home only to put it in a trailer ...

My grandpa lives in a trailer park in Ft Lauderdale, and he only paid 8000 for his trailer so it makes sense is still in a trailer park but Ive seen some trailers in his park selling for 80000 or more! most people would have to get it financed some how which means your paying your monthly payment for your home plus lot rent! If you are in a trailer park do you not have to pay the ridiculous fl property tax? Can you opt not to have homeowners insurance?

Depends on the park itself. Actually sold one mobile home and the piece of land for $ 275,000 a few years ago. More moderate homes are going in the $ 100,000 range at the moment. So it really depends on location and what amenities are in the park itself. The homes on rental property don’t have to pay property tax but do have pay tags etc…just like a car. They can forgo insurance if they wish but most do want at least some sort of liability insurance and content insurance.

Problem with spending $ 80,000 rather than $ 8,000 on a mobile home is they deteriorate, like a car, from the time you buy them. Normally, over time, homes appreciate in value, right now they’re declining.

Yes, you’re right you pay lot rent in a park. But you also get amenities, like a pool you don’t have to maintain yourself, a clubhouse, activities, safe community, etc. And lot rent keeps going up and up in many parks and there’s nothing you can do about it.

You do pay tax on a mobile home every year, not much. And the lot rent covers your share of the property tax.

Many towns won’t permit mobile homes on lots in town, only in parks.

It’s not unusual, people spend alot of money on a MH, then have to pay park rent every month also. Some parks take care of lawn maintenance and such, which appeals to seniors that don’t want that responsibility. You still have to pay property tax in a MH park.

Who would opt out of homeowner’s insurance, especially in Florida? That is senseless.

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