I live in the southeastern US. My house is an interesting build, in that it started as a mobile home but the previous owner built additions onto the side that are stick built. So now half the floor plan is stick built and half is still mobile home. When I first bought the place, I was told that I needed mobile home insurance, since it was at least partially mobile. But now I have insurance agents mailing me offers with premiums that are much lower than what I'm paying now.
I started filling out some online forms, and there are no questions asking whether this house is mobile or not, and I am not seeing anything in the contract that states that the policy would be void just from it being a partial mobile home build.
So is there any risk in taking a "normal" policy out like this that has much lower premiums? Or if I did have to make a claim at some point is there a risk that the insurance company would deny me?
Homeowners Insurance on Frankenstein Build
byu/GravityAintReal inInsurance
Posted by GravityAintReal