Upstate New York. Private lot on private road. Manufactured home on a concrete pad.

    Bought a piece of shit for $50k back in 2017. Insured it for 30k at the time with state farm.

    I've since made huge improvements to the property and have a binder of receipts & pics documenting the changes. Tax assessor has always valued this place at 130k+ and internet real estate sites value it at 250k+.

    I want my home owners insurance to cover more than 30k in the case of a total loss. State farm told me they'd never insure it for more because it's still technically the same structure and that's as much as a 1980s manufactured home is worth.

    This doesn't sound right to me but I don't know enough to ask the right questions.

    When I originally was looking for insurance for this place, nobody was willing to insure it at all except State farm and Foremost.

    Is there anything I can do to get more insurance coverage? Or am I just really screwed? Wondering what my options are, even if they're a little unconventional.

    Thanks in advance.

    Additional (but less important) question: I've also heavily invested in landscaping & built a pond. Kept most of the receipts for specific plants and such. Nothing rare, but worth $25k+ so far. Any way to insure that as well?

    1980s Manufactured home on my own land. Heavily improved. Insurance options?
    byu/IssuedID inInsurance



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