Some mobile home residents are seeing premiums double

Largo resident Teri Jones emailed ABC Action News after seeing our coverage on Florida's fractured insurance market, wanting to share her experience: seeing those premiums rise every year. "The owners of mobile and manufactures home are experiencing the same thing," she said. "I live in a 55+ community where it's no longer affordable to have insurance." She chose to retire in a mobile home four years ago, but now she's worried about her future.

[@vulcan2882]

Just another reason NOT to retire or live in Florida anymore.

[@daintyminnie9270]

people shouldn't retire because of flood insurance?

[@vulcan2882]

@@daintyminnie9270 ... are you a special needs child ?

[@UncleDavesKitchen]

It looks beautiful, I've never been there, but I see why people are drawn to Florida. I'll stay in my tiny paid off home away from tornados and hurricanes. I can easily live on my Social Security check in Phoenix.

[@wandamartinez1561]

Tennessee is doing the same!

[@vulcan2882]

@@UncleDavesKitchen ... I stayed in Phoenix for a while with my cousin. I looked alright, I just couldn't get used to the dry air and the dry heat. One thing that put me off was the rattle snakes I saw.

[@jennifer3551]

It's crazy how much the rental fees are at some of these mobile parks. They are not for the low income anymore 😢

[@migglemaggle9500]

Insurance. Legal scams.

[@scott21113]

Yeah, I'd rather they pay nothing or have no insurance and then just add the handouts they get after a hurricane or fire or tornado to the pile of government debt. Everybody else cool with that too?

[@billybrown7953]

No one is forcing you to by homeowners insurance unless you have a mortgage. Don't like it move .

[@mjblue84]

Exactly right!!!!!!!

[@magnificentmuttley154]

Another example of the gov allowing the ins industry to act lawlessly. If the gov were doing it's job policing this ins co., allowing sellers of manufactured housing to _REQUIRE_ flood insurance is something that wouldnt happen.... It is blatent racketeering & exploitation for sellers of manufactured housing to require homeowners to buy flood insurance- - the most expensive ins of all. _NONE_ of the major ins companies will insure against flood damage in a known flood plain (such as the florida coast) & likewise the gov doesnt require it, because it has always been more expensive than what 90% of homeowners can afford This bank, mfg co or whomever the seller of these homes is should be promptly charged for racketeering by the state AG

[@bidenwearsdiapers4026]

Hey derp, how is insurance a scam? Do you have a half million or more to pay out when you plow into someone you luckily didn’t kill? No, you don’t. You probably don’t even have enough to fix the bumper on a car you plow into. 🤡

[@shanetoler9905]

I live in a mobile home. My homeowners insurance just went up 110% and I've never filed a claim. I'm also with Citizens.

[@jibberjabber-fm6pb]

how much is your annual insurance cost?

[@doreanabland1296]

In Nebraska with no improvements we went from $2600/annual to $4500/annually that’s insurance… Property taxes went from $2600/annually to $5400/annually! Insane!

[@tonyalmeida1746]

You will own nothing and be happy.

[@God7ODTaxationIsTheft]

Peasant revolt

[@jongonegone1262]

its so great, were all so divided living the hell life together.

[@markpeto3232]

Great observation and well put, we should not be surprised at the obvious outcome.

[@belleame4671]

Perilous times

[@americanedokko2782]

I USED to want to move to Florida.

[@waterbug1135]

...and then I found out I can rent a 3/2 SFH right on a beach in SE Asia for $400-600/mo USD. But the downside is I can only date 18-24 year-old beautiful trim fun women in SE Asia instead of bitter 60-80 year-old women in FL. I'm adjusting.

[@zoner__]

Never did.

[@pursedelighted]

​@waterbug1135

[@markrichards6863]

We did. Do your research. Also, do not buy a manufactured home if you do not also own the land. Paying lot rent is the worst of both worlds. You still pay a landlord and you have all of the expenses that go with home ownership.

[@mickeyhead9770]

I feel sorry for these people but they have to realize that they live in straw houses basically. Why should people living inland have to share the cost of insuring people living on the water or close to it? Not fair.

[@BunnyMan-ec4xg]

Most new construction is built in flood prone areas and it's allowed.

[@michellefoster6557]

Actually, we bought one not on a waterfront and it’s more efficient than all of the homes I’ve lived in in the past years. I think it’s a trade-off, but it’s affordable

[@boxerblvd3514]

Why do I have to pay for people who don't have vehicle insurance. They are horrible.

[@keithdaniels5918]

Straw ?? Check out the tornados in Iowa and those straw houses…..scattered over 4 counties. Nature doesn’t give a damn what it’s built from.

[@BufordTGleason]

It’s not the house…it’s the risk from bad weather

[@MrMorefin]

Living in Florida & getting all the info about how home ownership, home insurance, property taxes, home utilities, cost of living, HOA fees are going up, it feels as though Florida is squeezing out what left of middle class & low class out of the state & no one in state capital are doing anything about it. They just let the rich come in, buy as many property they want, in cash, & high jack the price of renting an apartment or house.

[@thegoodsathome]

The insurance industry as a whole has more control over our society than people want to admit. If you own a business, your insurance company has all kinds of requirements that you have to meet before you can even get a policy. Do you have health insurance, Look who has controlled that and has for decades!!! Want to be able to get around and have a normal life, Grab your Ankles cuz here comes your car insurance bill. And last but not least, if you live under a roof of ANY KIND, they've got you again!!! 😈😈😈😈 And it doesn't make any difference if you own or rent. Your cost of living is going to Soar!!! The funny and sad thing is people think politicians are going to step in and help fix this...NOT!!! Guess where a lot of these politicians get there "Campaign Contributions" from?🤔🤔🤔

[@lucycan6363]

They are parasitic industries sucking the life blood out of people just trying to live a comfortable life

[@anniesshenanigans3815]

agreed and best alternative is to self insure where you can. Auto- get the lowest possible coverage since they got the government to 'require it'. for their huge profits. Push mortgage companies to forgive non insured homes. I am horrified at my insurance costs!! I can pay the mortgage no problem... it's the sky high insurance that makes the whole thing unaffordable. I am paying off my house as soon as possible and self insuring. If I get damage I know FEMA will help me out. I have seen it over and over again. People do not realize that if we boycotted the insurance industry they would have to change some things.

[@lickitysplit2413]

@@anniesshenanigans3815wife and I are able to self insure and if the insurance rates keep climbing we will do this. However, the issue is what happens if you have to do a total rebuild and rebuild your neighbors home and replace their vehicles as well due to portion of your home coming apart and destroying neighbors property? Will you have enough money to rebuild your home and neighbor’s property? You know the ambulance chasing lawyers will be trying to ring you out for all they can get!

[@gsp49]

Why many retired are living like nomads in RVs, to not have to pay rent or utilities.

[@lickitysplit2413]

100% correct!

[@eprofessio]

I paid cash for my mom and dads trailer and we are self insured.

[@lucycan6363]

That's interesting, never heard of it. How is it possible to self insure? I really would like to know

[@BunnyMan-ec4xg]

​@lucycan6363 easy, save enough $$$ to pay for damage caused by storms or fire. I finally can afford to do so this year so I'm paying off the mortgage and dropping insurance. It was $2k 2 years ago, then $4k last year, I can't imagine this year's amount. But I won't be paying it.

[@eprofessio]

@@BunnyMan-ec4xg the key is no mortgage otherwise it won’t work.

[@anniesshenanigans3815]

yes self insure is the best option today.

[@billybrown7953]

Yes, I'm self insured. If a hurricane hits ,I'm gone. My mobile home has been in the same place in West Central Florida since 1984. Other mobile homes many years longer.

[@ChristyNash-zj8xw]

Not just florida,it's all over ours are up to 5000 for insurance alone.this excludes property taxes

[@ExpeditionNomadicAdventures]

The cost of living in a state that has higher natural disaster potential was a foreseen possibility of high insurance cost I recognized when I attempted to buy a house and was told that my Liberty Mutual carrier did not insure anything in the state of Florida. That was in 2012.

[@fozzir]

That's the thing, these people know about the risks.

[@ExpeditionNomadicAdventures]

@@fozzir@fozzir Fortunately, I never bought a home nor con-do because I believed in 2012 that Insurance and HOA would increase over time.

[@MCC876]

Insurance is going up everywhere, but Florida takes the cake.

[@suntzu94]

Well, Florida has the most claims and lawsuits for fraud so someone has to pay. If you wanna live in paradise then pay up

[@waterbug1135]

For wind and flood damage. Earthquake insurance in FL is very cheap compared to CA.

[@wandamartinez1561]

Insurance is just a quicker way to make them move, a lot f trailer parks are being sold to make way for developers

[@waterbug1135]

What nonsense. The land owners don't own all the insurance companies. You're looney. Everything you don't like is a conspiracy. People renting trailer lots have no right to that land beyond their lease. When the lease is up the land owner can just tell them to leave. Why do you feel the need to make up a fantasy conspiracy?

[@bradfordjhart]

At some point you have to let people opt out of insurance because they are paying more to the insurance company over a few years then they will ever collect in a claim.

[@waterbug1135]

No one is forcing you to buy insurance. Or are you saying you barrowed money and the lender requires insurance because they're the co-owner? You couldn't save $60-80k to buy a new single wide????

[@gsp49]

​@@waterbug1135Who in their right mind would spend that much on a trailer?

[@MS-ty8eq]

I'm sorry largo people you're going to have to start paying big bucks to live with water literally all around you. Why should I, living in Jacksonville, have to pay for you to live close to the beach? I'm not funding your retirement lifestyle.

[@BunnyMan-ec4xg]

But you are. All of us are. Not because of this woman. Because new construction is being built in flood zones and rising sea levels.

[@anniesshenanigans3815]

you will and you already are!!! I met someone recently that did not have any insurance at all and was given a brand new mobile home after theirs was ruined by a hurricane. So my advice is to dump insurance altogether. If enough of us do it, they will have to either revamp the system or create something new that is affordable.

[@anniesshenanigans3815]

@@BunnyMan-ec4xg sorry but sea levels are not rising. I have lived in Florida my entire life and no sea levels have risen in 60 years.. that is a myth.

[@EnjoyingWhitePrivilege]

Stop buying 1:39 cigarettes and cars you can't afford. Learn to prioritize. Sick of the whining everyone is broke.

[@iveyhealth2266]

Are you serious??? lol Largo is close the bay and isn't surrounded by water. Wow! lol Plus, Jacksonville has a beach. smh

[@jazziez6467]

why don't they tell the truth that most in mobile homes won't get much if something happens cause they depreciate like a car so don't even have insurance

[@jenadidio6536]

Mandatory in my park here in Oregon.

[@dmo848]

Really?. Why did I sell mine for double of what I payed then🤷 don't talk about things, you know nothing of

[@billybrown7953]

😂😂😂😂😂, I bought my mobile home in a crime free area in Central West Florida in 2017 for 4000. Move in ready ,I was at the right place , right time. Today I can sell it for 28000 and I only put 1500 into it. Yes, the best investment of my life.

[@billybrown7953]

​@@dmo848Exactly, these people have absolutely no clue as to what they are talking about.

[@ColeTurner-sr8mc]

In Texas mobile homes are referred to as "Tornado Magnets"...

[@tbrwn2548]

In that area they are in tornadoes 🌪 definitely hit often

[@winniethepoohandeeyore2]

Oklahoma too lol. Thankfully tornado alley is shifting more eastward. I asked weather people about that, they said due to climate change, a lot of what were once reg weather patterns are shifting more to the east. I live about 2 hrs SE of Amarillo Texas in SW Oklahoma, its more towards the central, eastern part of the state that's seeing tornados.

[@markrichards6863]

In parts of Texas, your cousin Sally is considered a prospective wife.

[@markrichards6863]

​@@drc3poMississippi isn't a model for any place else.

[@ColeTurner-sr8mc]

@@markrichards6863 Maybe you should visit and say that up close and see how the conversation pans out for you...

[@Ricgibs]

How are you guys coping with this inflation? Even with the downturn of economy and ever increasing life standards

[@FranklyHunt]

Stacey Macken's strategy has been instrumental in helping me navigate the past few months. Without it, I don't think I would have made it through

[@domenez]

Stacey demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

[@findingpath8362]

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

[@benjaminocampo3359]

Yes I can believed that, I got victory with her, was so sad after receiving the first pay knowing I invested so low with fear

[@waynes4369]

Her expertise is truly commendable. She has this skill of making complex crypto concepts easy to understand..

[@om-nj2hw]

I live in central Florida, not a flood zone, in a block home, metal 2yd old roof, no claims,and my insurance nearly doubled. So they seem to be getting off cheap, considering they live in a tin box,near the water. Oh and my home is only 1300 sq ft.

[@BunnyMan-ec4xg]

Their tin box is less of a cost to repair/replace if damaged. Like if u drive a Mercedes you will pay more than if u drove an old Saturn.

[@EnjoyingWhitePrivilege]

Hurricanes do not discriminate.

[@waterbug1135]

Your insurance cost likely goes to covering the tin boxes. Insurance companies really can't hyper localize risk. They generally break it down by some area. If you have tin boxes down hill in your area you're all in the same boat.

[@user-cv9cd4sq2n]

How are insurance companies any different than an enemy country invading? They mandate to take all of your money and give nothing back…that’s a theif

[@lucycan6363]

True. I've said it many times. In the 20+ years I've been living in my home I've probably spent quarter million dollars in home insurance an never had a claim. Yet I am forced to keep paying more and more. It is getting too out of hand

[@scott21113]

Baloney. Put your tinfoil hat back on and I bet the voices will go away.

[@lucycan6363]

@@scott21113 Somebody has an insurance company? One of the scammers?

[@dmo848]

Snake in the grass. I agree

[@EnjoyingWhitePrivilege]

Or it's called insurance. You pay for just incase...

[@selfproclaimedintrovert5676]

I self insure mine and have done everything I can to help it withstand a strong hurricane. When I bought it, it was was already here for 25 years, so its survived several direct hits from cat 3s already. But storms are getting stronger now and I dont think it will make it through a cat 5 and if and when that day ever comes and its destroyed, Im out of here.

[@zoner__]

Oh it's coming. Despite climate change deniers.

[@Eiralav6010]

I am paying $3800 a yr for minimum insurance on my manufactured home in Mississippi.. insurance is out of control

[@boristheamerican2938]

Paying $800 a year for my $400k split level ranch in suburban Chicago. Its only the red states that are out of control but isnt that what freedom is about?

[@vmobile890]

$1,200 a year for my $200,000 mobile home in California high deductible . Never a claim in 40 years . If we get a earth quake i’ll just buy another .

[@moa3008]

That mobile home owner might as well sell the home and move into an RV trailer park with an RV trailer for living in; and if the lot fees were to increase significantly she could move away from the RV trailer park and park her RV vehicle in a remote location.

[@4allcollectorscom]

Wait until 2027, The flood insurance will be mandatory for all Florida.

[@me4g862]

if you have citizens insurance

[@doorguru168888]

Insurance companies are not a charity, they are a business and just like any other business, if they are losing money they change their business plan.

[@Mohamedetp]

What beautiful trailer home and park. Not what I thought trailer parks would look like. This is nothing like the movies

[@gdiup9241]

If you can....Aim to self insure.

[@UncleDavesKitchen]

they are having to dip into savings on a $100 a month insurance premium hike.

[@waterbug1135]

@@UncleDavesKitchen Yup. Clearly living beyond their means and eating way too much food too. Many loons move to FL, buy a trailer and think the lot will never go up. Foolish. The rents go up as the land value increases and at some point it becomes so valuable the entire park is sold to a developer and renters are told to hitch up and move that mobile home. Then the owners find out their mobile home isn't mobile. Happening here in Phoenix and CA.

[@youknowkbbaby]

​@waterbug1135 would you recommend selling before the new owners take over?

[@gsp49]

And produce your own solar electricity, no sales tax. It's free.

[@Mntguy-nr9vl]

I don't think Florida is cheaper anymore I think too many people moved down there when it was cheap but there have been too many hurricanes that have decimated the state and now insurance companies have caught on. Just stay where the hell you are You can retire in New England it doesn't snow anyways anymore just rains a lot.

[@UncleDavesKitchen]

I've never been to Florida but dreamed of retiring there from the photos. This park looks beautiful, I see why people move there. This couple's situation looks like it was stretching their income to the limit anyway with insurance rising $250 plus the $1K for flood causing them to dip into savings. Since the insurance doesn't cover wind damage what will they do during the next storm? It does look so beautiful there but being that financially stretched I couldn't relax.

[@anniesshenanigans3815]

the only resolution is self insure, which means keep enough money saved up to replace the home.. or beg FEMA for a free trailer.

[@waterbug1135]

You could look at some photos from SE Asia. Look similar to photos of FL. IMO much better beaches. A nice condo with an ocean view rents for $200-300/mo USD. 3/2 SFH on a beach $400-600/mo. And if you're a guy dating 18-24 beautiful women is easy.

[@davidtwister6936]

In the end if something happens to your home, they will not pay anyway so just tell them you want a 200,000.00 deductible. If something does happened just tell them the same thing they will tell you. " We are not going to cover this" then walk away. Start over cause that is what you would have to do in the end anyway. This way the mortgage company will not take your home.

[@bossmodl3thalpoppa484]

Mine just went up 300.00 a year was told it was due to inflation and costs of materials needed to rebuild/repair home

[@monikasturm2575]

Oh and don't forget mobile homes are depreciated at a higher rate. Oh and if you're in Florida don't bypass the wind coverage unless you have enough savings to buy a new mobile home or fix extreme damages.

[@waterbug1135]

Extreme damage to a mobile home can't be repaired for less than buying new. They're designed to be built cheaply in a factory.

[@G_Demolished]

I’m kind of surprised you can even insure a mobile home in hurricane zones.

[@jamesbass9797]

I currently have citizens insurance but have not heard anything from them about flood insurance. When I do, I will be dropping them like a hot potato. I will not pay it. I will put my small place up for sale and leave Florida. Just not worth the money to pay for all this legalized extorsion. That's exactly how I see it. They can have 100% of ZERO!

[@dbrew2u]

If your currently residing in a Mobile Home Park in Florida ? Keep in mind that Developers are scooping up Mobile Home Parks for Redevelopment in droves . Making Property Insurance Unaffordable is part of that process by forcing out Residents.

[@macbrazzle754]

I own my house and have only fire and water pipe breakage I refuse to get ripped off

[@dcg590]

What if there’s a fire or damage from wether. You’re fkd

[@macbrazzle754]

@@dcg590 I have fire insurance water pipe breakage and if someone falls 20 years never a problem I’m way ahead of the game

[@linger4605]

Lol Florida. Why would you want to live in a yearly hurricane zone is beyond me.

[@nunya2954]

Why do people live in Tornado Alley?

[@linger4605]

​@@nunya2954because of foolery and arrogance.That's why. I don't live in those areas though

[@ShimmySha]

@@linger4605it’s weather related problems in every region

[@linger4605]

​@@ShimmyShaNot every place is so extreme. Hurricanes, tornadoes or yearly burn areas is not common in most states lol. There's a reason why insurance companies are pulling out

[@waterbug1135]

@@ShimmySha Problems that can destroy your house? Here in Phoenix I feel pretty safe.

[@anthonymakley1530]

Spend 5,000 a year when you need the insurance they’ll pay out 2,000 when it’s over or come up with a clause saying it’s not covered

[@markrichards6863]

You have to pay the deductible out of pocket before you get a dime from the insurance company.

[@jaygold4467]

The insurance industry needs to be slapped down.

[@phxrus]

Thank the lawyer's and scam contractors

[@annagarza7299]

I’ve met people that say they want to move to Florida because they do not have income taxes! And I said well THERE PROPERTY TAXES are through th roof and the homeowners insurance is also through the roof , well they did move there they lasted almost 3 yrs and they said that I was right that the property taxes and homeowners insurance is outrageous and they did not realize how bad the rather was in Florida they moved back and said California really is not that bad 😂.

[@waterbug1135]

Like those are the only 2 choices. That's adorable. I've lived in NY, FL, TX, AK, CA and AZ. Next year I'm moving to SE Asia. Every place has it's uses.

[@northerniltree]

Hurricane insurance is cheaper in Anchorage, AK.

[@joefranks4235]

Yea, but earthquake insurance will shake the heck out of you.

[@markrichards6863]

But earthquake insurance is more.

[@purplequeen1727]

We moved to Florida and lived there for a while. I got tired of running from hurricanes lol! 😂

[@carlosflores6122]

Historically mobile homes suffer to a greater degree with storms n tornadoes. Also, Florida is known for destructive storms. Two really bad omens!!!

[@nathanielpreble5108]

Another reason not to live in Florida

[@winterwolf2012]

Glad we don't have those types of problems in Key Largo.

[@taurussho86]

Not yet

[@SL-fh7yv]

Florida is no longer a retirement state

[@pwu8194]

Taking risk is not cheap. You are not required to have home owner's insurance unless you have a mortgage. Unlike home owner's insurance, everyone is required to have auto insurance, and that's where they screw you, because you have NO choice.

[@waterbug1135]

40% of US homeowners do not have a mortgage. 8% of Americans don't drive. No American is forced to drive. I don't. I chose to live in central Phoenix and I can walk everywhere. Buses, trains and taxis are available too. But it is more exciting to think "everyone" has NO choice.

[@johnm2991]

Sounds like it’s time to formulate an exit plan and leave Florida for a more affordable (and less weather catastrophic) state. 💯

[@EdwardM919]

Duh, they dont even want to cover homes with roofs that are older then 10 years. Of course they dont want to cover a house that depreciates like a car.

[@BunnyMan-ec4xg]

That's not true. The prices for mobile homes/manufacturerd homes are skyrocking. My sister bought hers for $60k in 2019. It's now worth over $120k. Try that with a car.

[@EdwardM919]

@BunnyMan-ec4xg cars went up too. What's your point? I said they depreciate dipshit.

[@EdwardM919]

@@BunnyMan-ec4xg cars depreciate, mobile homes depreciate, your mom should sell if she's smart.

[@shelleyhinkle5242]

Mobile homes and modular homes should be forbidden in Florida! There sold as an alternative to a bricks and mortar home but unlike the brick home the mobile homes are flimsy,and made with particleboard walls that crumble and or just blow away in Floridas tornadic weather.

[@danielrandolph9170]

One more thing my insurance company Allstate gose up every time to renew my policy but my amount is set one what Allstate will have to pay me if something happens it doesn't increase so why dose the policy premium increase every year ?? I don't know the answer to that !!

[@waterbug1135]

Two reasons. #1. Your policy is probably for replacement value. You better hope that's the case anyways. A new trailer costs more each year. They want more money to cover the higher cost. #2 Global warming is adding risk of more storms and higher intensity storms. For homes in low lying areas prone to rain and/or ocean surges the risk increases a lot each year. You may not believe in global warming but that doesn't matter to insurance companies who can understand science. Insurance companies also have the problem of not being able to repair damage. Flood damage to a wood framed house can be repaired for maybe 10% of the total replacement cost. Even minor flooding damage to a mobile home can't be repaired for less than buy a new one. Mobile homes aren't built to be repaired or even to last very long. If a company thought it could make money selling insurance they sure wouldn't be pulling out.

[@TonicofSonic]

The kicker: if she had all the money she spent on insurance to this point she would have the cash to rebuild without needing insurance at all.

[@eattherich9215]

Indeed, but you can't take the risk.

[@jds1vette]

Interesting that all the mobile homes have tripled in price in the last few years. Not to mention lot rent and insurance costs.

[@smallcoffee75]

She will have to dip into savings. My Gosh she is a Senior Citizen she should be exempt from increases and just charge those under 65 more money for their insurance to cover the Seniors in the State.

[@waterbug1135]

Why? I'm 67. Why should people under 65 pay my way? I already get discounts, Medicare, SS. If you feel that way just send your bills to your kids and grandkids. I'm sure they'd be happy to pay it.

[@richjustrich8043]

Mobile homes in the south are really not a great option.

[@danielsnook5029]

Mobile Homes are called 'hurricane appetizers.'😂

[@MW-xm1rc]

Finally the people who live in hurricane land are going to pay their fair share!! Every time they had a storm MY insurance went up.

[@user-tw3kr9if1f]

And how many of us believe there's a correlation between rising costs and the policies and actions of government . Whether it's the Federal Government bringing in hundreds of thousands increasing demand or its subsidizing housing contributing to keeping housing costs high.

[@waterbug1135]

I love guessing games. So given this is the internet and we're in KZbin comments and it's a FL news video I'm going to guess 99.2% believe your theory is fact. Will there be a prize?

[@AKAAAK]

To think mobile homes are some of the hardest hit during hurricanes.

[@dogwoodvanbibber4522]

I now pay almost $1000.00 dollars a month

[@waterbug1135]

Are we suppose to be impressed you have that much money to burn or be sad for you? I never know how to take it. Average cost here in Phoenix is $180/mo. I want to impress you just to stop confusion.

[@aurelioa315]

F the insurance industry in the state of Florida all the bunch of thieves. In the retirement community that I live in which is also a mobile home park. I do not have any insurance about 60% of the people that live here it's either they pay for this insurance or buy groceries so screw the greedy insurance companies. site fees which is the rent that you pay for the land under your unit it goes up every year along with your water and sewage charges. There's always the danger greater than a hurricane developer will buy the land to build million dollar condos or townhomes and kick you out of your home so they could take over the land.

[@waterbug1135]

Yet you chose to live there. Everyone providing you services are thieves because you want to pay below market costs. That seems like you're trying to steal from them, but just suck really bad at it. 60% either pay insurance or eat. 100% either pay or move out of FL. Moving isn't a option?

[@dcg590]

Better hope you dont get slammed with a hurricane.

[@patihanvy7699]

If you can't afford storm insurance, it's paying for something like no insurance at all.

[@djdj-qx3hb]

Yeah it won't be long before tornado Alley goes through the same thing as Florida

[@27Killermike]

Shouldn’t live there

[@waterbug1135]

That does seem to be the "duh" take away. Kind of a stupidity tax.

[@fozzir]

hell, they may as well make insurance cost 1 million a year.

[@waterbug1135]

OK. I'll insure you. When can I expect my million?

[@Hardworkandrealestateprofits]

What I don’t like about insurance is if my property is free and clear no mortgage and I want to have it insured for less then replacement cost I should be able to but a lot on insurance companies for you to have a ridiculous amount of coverage. And if you have a large claim the insurance company isn’t going to be happy paying out such a large amount.

[@darktoadone5068]

Progressive just dropped thousands of Floridians from their company. they sent out letters to all of them.

[@jungleperry]

it sucks to wake up and smell the new coffee

[@francisconieves1046]

Defascist is destroying Florida!!

[@anthonykence9954]

Florida is a Insurance nightmare

[@waterbug1135]

Yes it is for insurance companies. But many are smart enough to leave the state or increase rates to see if people are willing to cover their risk. If not the remaining companies will leave. Or were you trying to say nightmare for people choosing to live in FL? Yeah, nightmare for them too. Like when the monster is chasing you and your legs won't move. Never being able to realize you can move out of FL... that must be a hellish nightmare too.

[@jayhadcock8767]

Put the insurance where sun doesnt shine its a skam they make 11😂billion a year pay out only 1 billion caching $$$$$ same with car insurance over kill money money 500.00 month for new driver with paid off car minimal coverage 😂😂 So pathetic 😢

[@BuhodePiedra]

This is why other countries call us vulture capitalists

[@christinahagar4816]

I would never live in a trailer or mobile home in such a vulnerable area. Not at all a wise investment once you add up the cost of insurance and lot fees into your payment. Too much risk and money going out the door

[@scottprice4813]

These lot rent parks will be gone in less than ten years replaced with stick built homes owner occupied lots.

[@danielrandolph9170]

Wow home insurance gose up every yr i can afford replacement cost for my single family home i have to step back figured out a price i think i can get my home rebuilt if something was to happen .Insurance is the biggest scam & right in front of our government leaders that doesn't care or they just turn a blind eye to !

[@danasmith858]

Who gets insurance on a mobile home? They get damaged, you throw them away and buy another one

[@christinahagar4816]

I know people who pay more for trailer lot rent than my entire mortgage payment for a gorgeous home.

[@laranditooks9924]

I would live under the bridge or my car before giving in to those insurance rates'

[@kevinjefferson885]

That's capitalism for you. I would rather pay into a government administered insurance and be guaranteed coverage without extreme rate hikes.

[@katjones2781]

Our politicians do absolutely nothing and you go ahead and keep voting for the same ones and get the same results in Florida life

[@burly636]

We’re all feeling the insurance hikes all over the country. I guess if you’re gonna live by water, you gonna have to pay. I don’t live by water. I live in the Midwest and my mortgage hiked to $350 a month in premium and taxes. Get rid of this damn administration. Corporations are killing us.

[@boristheamerican2938]

In Illinois Im not, love my blue state.

[@TheJanet4321]

Unfortunately it is just math. Weather events will be getting worse in certain parts of the world, so ins. premiums will rise to reflect that, or policies will be canceled.

[@cccc8643]

AND THEY CAN KEEP THEM

[@LikeBlowingintheWind]

Nature is coming to get Florida.....

[@nhernandez925]

I heard West Virginia is cheap and affordable. Florida is expensive, you will just have to move.

[@domfer2540]

People want to live next to the water, pay up on insurance and flood insurance. Personally insurance companies should not insure homes with 10 miles of the water.

[@newkirk7591]

why does the governor keep ignoring this issue?

[@commentsbydjb3821]

Will let her see what it's like not to have insurance

[@Thatgayguytimo]

Then move… climate is changing, more storms, more damage, higher insurance costs

[@EWDDG]

Insurance should be offered by the government and be non-profit. Insurance companies are predators.

[@BunnyMan-ec4xg]

That's socialism. It sounds so affordable.

[@fozzir]

what? no! if you want that move to Venezuela or Cuba.

[@prestonclark3483]

Citizens is the government insurance

[@scott21113]

Yeah, let the Post Office or the IRS run it. They do a great job. Where do I send my premiums to them?

[@anniesshenanigans3815]

@@prestonclark3483 yes and we see how that has developed..

[@waterbug1135]

Mobile homes is a great way to make money if you're the land owner renting to these people who live in a fantasy world. Of course wind isn't going to be cover because these things are only built to take 60 mph wind for delivery. Once delivered the owners build a patio cover, car port as cheaply as possible. They can't take 30 mph and quickly rust, get banged up and then 10 mph gust knocks them down and the owner wants the insurance to build them a nice new structure.

[@TheWhocaresusername]

so people should be homeless?

[@Baphomet101]

Once again, Florida has proven to be the armpit of the USA.

[@blaydCA]

*anus There, I fixed it for you.

[@winniethepoohandeeyore2]

Insurance is sky rocketing everywhere.

[@boristheamerican2938]

No its not, I live near Chicago and my insurance is $800 a year for my house

[@winniethepoohandeeyore2]

@@boristheamerican2938 Just wait lol

[@winniethepoohandeeyore2]

@@boristheamerican2938 Get ready, its coming

[@winniethepoohandeeyore2]

@boristheamerican2938 Get ready, it's coming

[@winniethepoohandeeyore2]

Just wait, its coming

[@Bonjour-World]

DeSatan's Florida.

[@zoner__]

Yep don't want to live where he is considered electable

[@rayparas2974]

Insurance (most that are mandatory by governent) = Dollar/your money rent seekers

[@slimeypuma]

It’s sad when a boomer has to stretch their 6 figure pension 😢

[@eattherich9215]

What will happen when all those savings are expended? These are the future generation of the homeless.

[@thud9797]

Who in the right minds would insure a bunch of mobile homes in hurricane country? Of course the insurance companies are trying to cover their butts when the inevitable hurricane will come along. The same thing is happening all along the coast to Louisiana. The insurance conpanies want you in a brand new current wind spec house, everyone else better get ready to pay.