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Wednesday, Feb 28, 2024

Homeowners Insurance is Important

We asked MHET member Barry Cole of Manufactured Housing Insurance Services about the recent difficulty in obtaining insurance on homes.  Barry specializes in insuring manufactured homes.  He advised us that large companies such as Allstate, State Farm, Farmers and Geico and others have stopped binding new homes in California and many are not renewing existing policies. 

We asked why?  It is due mainly to the magnitude of losses due to wild fires, the state’s difficult bureaucracy and enormous fraudulent claims.  Barry’s company Manufactured Housing Insurance Services is receiving calls for new manufactured home insurance and are trying to respond to all request for insurance coverage.  He shared that insurance is being offered by the California Fair Plan (CFP).  However he is concerned that the policies offered under the CFP are more expensive and are not the complete coverage homeowners need. 

Remember, when insuring your home, it is important to have adequate coverage to replace the home in the event of a complete loss. 

Resource: Manufactured Housing Insurance Services:  https://www.mhis.info/ Toll Free: 866-644-7111.

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