mobile home insurance information

Finding flood Insurance

2014-01-07T15:41:00.000-08:00

Some of us are finding ourselves in flood zones that didn't use to exist. We didn't ask for this, but now we need to make sure we have flood coverage to satisfy our mortgage holder. Insurance companies seem to be running for the hills when it comes to offering flood coverage. How do we solve this problem?

Hopefully your agent can help you find a solution to include your flood coverage with your homeowners policy. In certain areas companies are increasingly declining flood coverage leaving no choice but to insure through the NFIP (National Flood Insurance Program).

As your agent, you can be sure I'll find the best solution for your home and flood coverage needs.

Scott Wilson

1(800)653-5565

Weibelinsurance.com

December frost!

2013-12-10T10:33:00.001-08:00

Winter is upon us, water lines can freeze and burst causing havoc in our homes. Fortunately your homeowners insurance will cover sudden water damage to your home. Avoid potential water damage and headaches by wrapping your pipes with insulation. Ace hardware, home depot or Lowe's will have this pipe insulation available for a low price. Find out more about homeowners insurance for manufactured homes at…

weibelinsurance.com

Scott Wilson (Agent)
Weibel Insurance Agency Inc.
1(800)653-5565

Gobble Gobble….

2013-11-25T14:25:00.004-08:00

The Weibel Insurance Agency would like to wish everyone a terrific Thanksgiving! Enjoy the football, food and family. And in case you are wondering, your Turkey and all the fixings would be covered in case of a fire or spoilage due to a power failure but we can't guarantee a moist bird arrives to the dinner table ;) Cheers! weibelinsurance.com

Homeowners insurance up for renewal?

2013-11-13T12:19:00.002-08:00

Homeowners insurance up for renewal?

Now is a good time to contact your insurance agent to make sure you are getting the most from your insurance company. Look for a comprehensive policy that will do the job at an affordable price. Insurance policies are not all created equal and need to reviewed by you and your agent for maximum value.

First on our short list of things to look at on your homeowners policy should be the amount of coverage and the type of coverage you have. As a rule replacement coverage means “new for old” and in the event of a total loss the goal is to buy you a brand new home and have it installed in your existing location. Actual cash value (ACV) is subject to depreciation and other conditions at the time of loss, meaning you can’t be entirely sure of what you will get when you need it most. The problem you can run into is not having enough coverage to pay the cost of the new home and being short of 80% of that cost at the time of loss. If you are not within 80% of the actual replacement cost at the time of loss your coverage will fall to “ACV” or what used home around you are selling for and as we all know that can be a low number. Hopefully you have replacement coverage instead of actual cash value (ACV) and enough coverage to do the job. Your agent should do a “cost estimator” to be sure your coverage level is correct.

Next let’s focus on all of your “stuff”, that is to say all the things you have in your home. We again need to look at replacement vs. ACV. Without adding a replacement endorsement to your personal property all of your “stuff” is subject to depreciation. Make sure the limit for personal property is enough, make sure you have replacement, and let your agent know about any unique items you want specific coverage on. It’s a great idea to take a Sunday afternoon to catalog most of your stuff and take pictures. If your home ever burns down you will be very glad you took the time to do this.

We live in California and we’ve all heard how the big one is coming so let’s go over earthquake coverage. The first consideration is obviously price. A good agent will find you the best deal and try to combine your earthquake and homeowners insurance. After the premium shock we need to understand what the limits are and what we can expect from the company. You will find that your deductible will either be 10% or 15%. This deductible applies to your home and your personal property and is a percentage of the amount of coverage. Standard earthquake coverage will also reduce your personal property and loss of use to $5,000 and $1,500 respectively.

The list of optional endorsements and coverage’s is long and I can’t possibly address them all this time. Each company builds their homeowners policy slightly different and can requiring changes by your agent to make them worth their salt. A good insurance term to remember is “HO-3” which essentially means a comprehensive form.

The important thing is to have an agent that knows mobile homes and that will go the extra mile to stretch your hard earned dollars while not compromising the coverage you may depend on should that rainy day happen. Call your agent and remember we are here to look out for you and to guide you to quality coverage at an affordable price.

http://camobilehomeinsurance.com

Scott Wilson

Weibel Insurance Agency Inc.

The fall wind is on it's way! Be protected.

2013-09-27T10:59:00.002-07:00

It's that time of year again, high Santa Ana winds are back. Wind damage is the second most common claim on a mobile home here in California. Check your awnings and your roof to make sure you are prepared for mother nature. Your homeowners policy should provide coverage for damage to your home or awning by wind. It's a good idea to check your policy and deductible to make sure you are covered against wind or perhaps even a fire that these winds can promote. We are always happy to assist at the Weibel Insurance agency, just visit our site or call for more information on homeowners insurance for mobile homes. camobilehomeinsurance.com

Earthquake!

2013-09-12T09:36:00.002-07:00

If we actually do have an earthquake here in California are you covered by your insurance policy? What happens if there is a fire after the earthquake but I don't have earthquake coverage? Can the insurance company leave me holding the bag if they incur to many losses? Is my personal property fully covered? What does my policy mean by stating earthquake coverage carries a 10% or 15% deductible, what is that a percentage of and does it apply separately to each category?

As a policy holder you deserve answers to these and more questions concerning the premium you are paying to be "protected". Know what you have, who to call, and what to do should the unthinkable happen. Give the mobile home insurance specialists a call.... (800) 653-5565 http://camobilehomeinsurance.com

Combining mobile home and auto insurance.

2013-09-05T10:15:00.004-07:00

Here at the Weibel Insurance Agency we pride ourselves on delivering the best the market has to offer. We really feel we have a home run for seniors living in a mobile home park with clean driving records. We are able to discount already low rates by a-lot when we combine homeowners and automobile insurance. It took a long time for an A rated company to offer a big price break and it's finally here.

Please give us a call with your current policy info for a direct comparison. 1(800)653-5565

Southern California winds and fires...

2013-08-09T11:46:00.001-07:00

It's that time of year again, high Santa Ana winds are back. Wind damage is the second most common claim on a mobile home here in California. Check your awnings and your roof to make sure you are prepared for mother nature. Your homeowners policy should provide coverage for damage to your home or awning by wind. It's a good idea to check your policy and deductible to make sure you are covered against wind or perhaps even a fire that these hot winds can promote. We are always happy to assist at the Weibel Insurance agency, just visit our site or call for more information on homeowners insurance for mobile homes. 1(800)653-5565

The In-n-out of homeowner’s insurance

2012-09-12T15:36:00.000-07:00

Every year around the same time I get a terrific little bill for Homeowners insurance in the mail. With one eye open I take a peak at the premium for this coming year. Shortly after that it’s time to locate the amount of coverage on my home. I’m willing to bet my reaction is the same as yours ... “The value of my home has gone down and the insurance company wants more money” and boy am I excited to write them another check!

Now is a good time to contact your insurance agent to get the in-n-out on your mobile home policy. Look for a comprehensive policy that will do the job at an affordable price. Insurance policies are not all created equal and need to reviewed by you and your agent for maximum value.

Scott Wilson lic#oc53493

Weibel Insurance Agency Inc.

1(800) 653-5565

Sewer backup coverage?

2012-08-01T11:05:00.001-07:00

Most homeowners insurance policies do NOT cover sewer back up and that's pretty stinky. Make sure you take advantage of any optional endorsement available to you through your company. If you find that this coverage is not offered, give us a call to get the options.

Weibel Insurance Agency
1(800) 653-5565

Fire or Earthquake?

2012-07-23T14:07:00.002-07:00

Question: If we have an earthquake that causes damage to your mobile home, breaking a gas line creating a fire that burns down your mobile home, are you covered if you don't have earthquake coverage?

Answer: Yes, the proximate cause of the total loss would be fire, You would be covered for this loss even though you did not have earthquake coverage.

Insuring your mobile & Auto together!

2012-06-06T11:38:00.001-07:00

Finally, we can combine excellent comprehensive homeowners on a mobile home with automobile coverage. The discount is BIG and the coverage is provided by an A rated company right here in California. Give us a call, we can get you real savings in under 10 minutes of your time.

1(800) 653-5565

Vacancy control saves your equity

2012-05-09T12:45:00.001-07:00

Vacancy control means when you sell your mobile home in a park the buyer's increase in rent is capped at 10% above your current rent. Park owners do not want any vacancy control to limit the amount of profit they can charge the buyer of your mobile home. According to Mobilehome magazine (March/April 2012): Your equity decreases $1000 for every $10 your rent increases.

Protect your home and your investment by knowing what is happening in your area and your park.

Scott Wilson
Weibelinsurance.com
1(800)653-5565

Retire with friends

2012-04-26T14:05:00.000-07:00

It's no secret that retirement is better spent in a stress free environment amongst friends. As I travel around California visiting senior mobile home parks it's easy to recognize the benefits of living in a well kept park with others of similar age and interests. I don't think there is a better situation for those of us moving on in years than living in our own homes with close by neighbors that are also good friends. I am proud to be insuring folks living the good life in mobile home parks around California. If you know of a park like this, please let me know so I can drop by to say hello.

Scott Wilson
Weibel Insurance Agency Inc.
Weibelinsurance.com

Right price, Right protection.

2012-03-07T15:13:00.000-08:00

As all of our day to day costs continue to rise, we are all having to look for more ways to trim our expenses. Gas, food, electric, rent and so many other things have gone up, the days of just paying the bills appear to be behind us. Why not look to get the most from your money? One great way to save money is to look at the cost of your homeowners insurance.

Specializing in mobile home insurance means we know exactly how to customize your coverages to fit your needs. We help our clients save money every day, give us a call so we may help you.

Combining your car coverage and mobile home can save even more!

California's mobile home insurance specialist.

Weibel Insurance Agency

camobilehomeinsurance.com

1(800) 653-5565

Mobile home park visits

2012-02-22T09:57:00.000-08:00

Most people have questions about their homeowners insurance. What things are covered? How much is covered? When should a claim be payed? Is there a lower cost coverage? Questions like these and more can be answered in person at your club house.

If your park is interested in free information on homeowners insurance, in which the Weibel Insurance Agency will be there to answer all questions on any policy from any company insuring a manufactured home in your park. Let us know, and we will be happy to come over and provide a free question and answer session at any time.

We have been here to help for over 50 years and will continue to be here for many years to come.
1(800) 653-5565 weibelinsurance.com

personal property

2012-02-21T15:21:00.000-08:00

Every year it's a great idea to take an afternoon to catalog and photograph all of your personal property. In the event of a fire, where everything is lost, you will be very glad you have a record of everything in your home. The adjuster sent to help you with your homeowners insurance claim wants to provide every available coverage. Helping your adjuster with photographs, video or records will go a long way in helping you recover what you have lost.

Earthquake coverage

2012-02-14T12:58:00.000-08:00

We all have heard that the San Andreas fault has been over due for some time now. Know one knows when, where, or the magnitude but being prepared is the best solution. Earthquake rates have come down in many parts of California and coverage can be expanded; now may be the time to check into earthquake coverage for your manufactured home or mobile home.

Today Western Arizona was hit with a 5.0 and just yesterday Northern California was hit with a 5.6.

Give me a call anytime to check on your options for coverage.

Scott Wilson
Weibel Insurance Agency
1(800) 653-5565

Earthquakes

2011-10-13T10:14:00.000-07:00

If we actually do have an earthquake here in California are you covered by your insurance policy? What happens if there is a fire after the earthquake but I don't have earthquake coverage? Can the insurance company leave me holding the bag if they incur to many losses? Is my personal property fully covered? What does my policy mean by stating earthquake coverage carries a 10% or 15% deductible, what is that a percentage of and does it apply separately to each category?

As a policy holder you deserve answers to these and more questions concerning the premium you are paying to be "protected". Know what you have, who to call, and what to do should the unthinkable happen. Call your agent. Weibelinsurance.com (800) 653-5565

Southern california wind

2011-09-29T09:23:00.000-07:00

It's that time of year again, high Santa Ana winds are back. Wind damage is the second most common claim on a mobile home here in California. Check your awnings and your roof to make sure you are prepared for mother nature. Your homeowners policy should provide coverage for damage to your home or awning by wind. It's a good idea to check your policy and deductible to make sure you are covered against wind or perhaps even a fire that these hot winds can promote. We are always happy to assist at the Weibel Insurance agency, just visit our site or call for more information on homeowners insurance for mobile homes.

9/11

2011-09-12T11:05:00.000-07:00

All of us here at the Weibel Insurance Agency are proud to be part of this great nation. Remembering the 9/11 tragedy brings perspective to the times we live in. God speed to those whom bravely gave their lives in defense of our country on that date, before and since.

Discount mobile home insurance

2011-09-06T09:41:00.000-07:00

Make sure your getting the best rate available. With a tough economy, insurance companies are changing the way your premium is rated. discounts are available for seniors, preferred mobile home parks, no losses, multi sectional, and more. Call the manufactured home insurance specialists @ (800) 653-5565.

Personal property coverage

2011-08-31T13:32:00.000-07:00

Is your personal property covered while your on vacation or if your car is broken into? If you have a comprehensive homeowners insurance policy the answer should be "YES". Give us a call to see if there are limits on coverage area or amounts. Travel with confidence by understanding the coverage you most likely already have. Weibelinsurance.com

Comprehensive coverage.

2011-08-05T10:13:00.000-07:00

We all need to protect our homes from the sudden things that can and do happen. Besides the most obvious perils such as fire or storm damage, there can be a number of things we don't often think about such as identity theft, or liability issues involving an occasional worker. Make sure you have the coverage you need by obtaining a comprehensive homeowners policy. There are simple named peril policies available that can appear to have the same protection, but actually contain many more exclusions. Give us a call to find out more @ CAMOBILEHOMEINSURANCE.COM

Mobile home value

2011-08-02T10:10:00.000-07:00

For the past few years we all have realized our homes are worth less if we were to list them for sale. Does a decrease in market value mean a decrease in replacement value? The answer is no, replacement value is the amount of money it would take to buy a new manufactured home. Market value as we have all become painfully aware is a product of what a given home in a given area will sell for. Find out more...http://camobilehomeinsurance.com