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You are here: Experts > Money > Personal Insurance > Property & Casualty Insurance > temporary housing proeprty insurance
Expert: Kristen Mulcahy, CIC - 11/3/2009
Question
I have a client that will be buying mobile homes for when a homeowner suffers a fire to their home. The mobile home will be set up in the homeowners yard. I can't find an insurance company to write this exposure. Foremost won't do it under their commercial rental program as the units are not in a fixed location. Can you help?
Answer
Tom;
I'm sorry but I'm not familiar enough with carriers appetites to tell you who would write a policy like this. However, I will say that trying to find a homeowner type policy, in my mind, isn't the right direction. Forget for a minute that people will be living in these units, the units themselves are MOBILE. I would be talking to a company that insures motorhomes and RV's because that's basically the exposure. It's not a powered mobile unit, but neither are RV trailers. A very useful website when looking for specific or unique markets is www.ultimateinsurancelinks.com and if you can't find a resource there, look for an RV Dealers Association of some sort and see if they have an endorsed carrier on their website for other dealers. If a carrier will write an RV Dealer, chances are they'll take a look at your client.
I hope this has been helpful and if you have any other questions feel free to email me again. Good luck!
Kristen
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