the thing is that i do live in fl. and because of the age of my moblil home my agent said there was nothing they could do. she even cancelled hers because she couldn't afford it. i have no morgage payments so that helps. i just remoldeled, bathroom, new appliances & new windows. 12 yrs ago i was paying 400.00 a yr for ins. last yr it went up 200.00 then this yr 200.00 and it will keep going up as my agent said as long as we have these hurricanes. i only have 20.000home,10.000personal property,4.000 additional living expence,25.000 personal liability & 500.00 medical payments to others. 800.00 a yr for not much coverage makes me frustrated. and still gonna go up. thanks for listening.

I say cancel it. That is unreal for a property valued at that amount. Besides if anything happens just call FEMA.

Yep, it stinks.

The biggest problem is that it's an older mobil home. If it were me, I'd go uninsured (well, maybe a tenant's policy just for contents and liability, but that should be MUCH cheaper) and sock away both the insurance money and the would have been mortgage payment.

The thing is, mobile homes DEPRECIATE in value, not like a standard home. The parts rust away, and it becomes unfixable. So even if you AREN'T in Florida, once you have a 20 or 25 year old mobile home, it's not WORTH anything, and insurance companies won't touch it.

Anyway, the NEXT house should be a house house - but I'm not sure if I'd buy in Florida.