Schreiber Insurance Agency is licensed to
sell insurance in New Mexico, Arizona, Colorado, and Utah. If you live
outside our service area, please feel free to browse our site anyway.
Click below to chat with a representative. We will be happy to show you
where you can get a mobile home quote in your area.
If you are thinking about buying a mobile home, there are some facts
you need to know...
Mobile homes now are often put together as well, if not better, than some
site-built homes. However, working with the mobile home dealer
may remind you of your last trip to a used-car lot. In our experience,
there are some facts that the buyer needs to know in order to move in as quickly
and easily as possible.
Don't sign anything until you have had an attorney take a
look at it. Many
dealers are putting an arbitration clause in their contracts. If you
don't know what that is, don't sign anywhere. That clause may be
better for them than it is for you. Again, check with your attorney.
You may be responsible for everything from plumbing the
gas line to getting a water meter. There are some items in your
contract that you may be responsible to do. You may have to contact
your county or local authorities about getting a street address. Then
you may have to take a copy of that address approval to the electric company
to get hooked up. You may have to call the local water company to get
a meter installed. You may have to call a plumber to have your mobile
home plumbed for gas. Then you may have to call the gas company to
have a gas meter installed. You may have to call an inspector to look
at the finished construction, since that is the last thing that the dealer
wants to do. You will probably have to call someone to connect the
phone jacks in your house to the telephone line--that is if you called the
phone company to have a phone line installed.
Don't let them push you around. The dealer
doesn't care if he chops down every tree on your property and puts your
house in the most convenient location for him. Tell him what you want
and where you want it.
Get your own insurance. We don't sell mobile
homes, and mobile home dealers shouldn't sell insurance. If you don't
believe me, take a look at the policy they try to include in your
contract. Under certain circumstances, we can write a policy with
three times the coverage at half the cost. And our policy covers
you--not just the bank.
(If you have a suggestion that you think needs to added to this list, let
us know. The more heads we can get together on this, the better.)
Get
a mobile home insurance quote nowand see how our coverages and premiums
are better than what your mobile home dealer may have thrown into your contract.
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Mobile home insurance quotes on your mobile home are now as easy to shop for as homeowners insurance for frame-built houses. Before, mobile homes insurance was more difficult to find and the
mobile home coverages left much to be desired. Now you can easily get a quote on mobile home insurance
online or by phone.
We represent companies like Foremost Insurance Group and
American Modern that specifically insure mobile homes. And
their policies don't just cover fire. They also cover things like
vandalism, landslide, falling objects, explosion, attempted or actual burglary
or robbery, water damage from bursting pipes, damage from ink,
paint, dye, shoe and nail polish, damage by wild or stray animals, damage caused
by faulty blocks or jacks, and collapse from weight of ice and snow. You
also get coverage for trees, shrubs, plants and lawns, credit card and check
forgery, food spoilage, and additional living expenses like those you might have
while staying in a motel after your house is damaged by fire. With the
right company, you will even get things like earthquake and flood
included.
A day after the Cerro Grande Fire gutted their house in Los Alamos, New Mexico, Sandra Lucero told her husband, Marco Lucero, "Don't worry. We're covered. We're covered." When they met
with their adjusters, though, that confidence was shattered.
The policy for their personal property was nearly $200,000 less in coverage than the Luceros thought they had purchased from State Farm. Five years ago, Sandra Lucero said she told a State Farm
agent to insure their family's property for up to $250,000. However, when the policy arrived, they didn't really read the policy, which actually provided a maximum of $57,000 in coverage.
State Farm policyholders are required to make a list of everything they have lost and assign an estimate on the value of each item. The Lucero family spent three days in Albuquerque checking prices on
everything from clothing to hot tubs. The family gave the property adjuster a book of items lost, along with an estimated replacement cost of $200,000.
Marco Lucero said the adjuster depreciated the value of the items on his list and came up with an estimated loss of $145,000. Since that was more than the policy limit, State Farm gave the Luceros a check for
$57,000.
Most of us only think about what this policy will cost per month. Forest fires spreading through every state west of the Rocky Mountains have cause many to think twice about what their policy covers.
The average policy now provides only 50% of the dwelling amount for coverage on the contents on the dwelling. That means that if your dwelling is only insured for $10,000, you probably have
less than $5,000 to cover everything inside.
The Luceros said they had a hot tub worth $10,000, tools worth $17,000 and thousands of dollars of antiques and saddles. They also had an electric guitar that Marco's father gave him when he was seven.
Sandra said, "It hits you. Right in the middle of doing the paperwork, it hits you: Wow, it's all gone."
Ask your agent how much coverage is on your house and personal property. If it doesn't sound like enough to you, pay the $5 extra to raise it. If the agent won't raise it--well, that's easy:
change agents. It's your life. Make sure you have the protection you deserve.
