People often think if the wheels and /or axels are taken off a mobile home, and the structure is covered with brick or other siding, the home can qualify for a homeowners insurance policy which is much less expensive and has more coverages than a mobile home policy. This may seem like a plausable idea to many, but the insurance companies do not agree. As the insurance companies look at it, once a mobile, always a mobile home. A mobile home is just that-mobile. This means it was designed to be moved one or more times. It's construction is different from a house constructed on its permanent site. For this reason insurance companies have especially designed policies for mobile homes. Most of the time these policies are more expensive and have some limitations of coverage. If you own a mobile home and are thinking of making it your permanent dwelling, you should be aware it will require a mobile home policy even if you set it on a permanent foundation and cover it wit ...
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