Mobile Home Insurance Eviction

Summary

In Mississippi, landlords can require tenants to obtain insurance as part of the lease agreement and failure to comply can lead to eviction. However, if the tenant is not the title holder, they cant obtain mobile home homeowners insurance, but can get renters insurance. The tenant was advised to consult a local attorney to understand this better. Several insurance companies were suggested to the tenant, but none were able to provide the required insurance.

Full Conversation

I'm renting to own a mobile home and my landlord is threatening to evict me by the 15th of this month if I don't get homeowners insurance I can't find an insurance company that offers mobile home homeowners insurance in my area. Can she evict me if I can't get mobile home homeowners insurance?

Hello **** ****, to provide you with the most accurate information, could you please tell me in which state you are living?

Perkinston, MS

In Mississippi:
- Landlords can require tenants to obtain insurance as part of the lease agreement.
- Failure to comply can lead to eviction.
Check with your landlord if an exception can be made due to your circumstances.
Local insurance company:

ALFA Insurance - Wiggins

Phone: (*) *-*
Address: * W College Ave, Wiggins, MS *
Website: www.alfainsurance.com

I will call them. Thank you!

You're welcome, **** ****! If you have any more questions or need further assistance, please feel free to ask. Good luck with your situation!

I will, thank you! Have a good day.

You're welcome, **** ****! Don't hesitate to reach out if you have more questions in the future. Have a great day!

That number is disconnected

I apologize for the inconvenience. Here's another insurance agency you can try:

State Farm - Wiggins, MS

Phone: (*) *-*
Address: * First St W, Wiggins, MS *
Website: www.statefarm.com

I already called State Farm, Tower Hill, National Mobile home insurance, Otto, farm bureau, Allstate, and Premier no of them offer insurance for mobile homes anymore.

I'm sorry to hear about your predicament, ****. Have you tried reaching out to Foremost Insurance Group? They specialize in mobile home insurance.

Foremost Insurance Group

Phone: * (*) *-*
Website: www.foremost.com

I have but I called a different number. Let me call them, hopefully it works out this time.

That sounds like a good plan, ****. Please do call Foremost Insurance Group with the number provided. If you still have issues, don't hesitate to reach back out to us. Good luck!

Not good I still can't find insurance. The number you gave me for Foremost was good but they said since the titles not in my name I can only get renters insurance. However my landlord said no I need to get homeowners insurance or she is going to evict me.

I'm sorry to hear about your situation. Could you please provide your location so I can suggest some local insurance providers who might be able to assist with your specific needs?

Perkinston, Mississippi in Hancock county

I'm sorry to hear about your difficulties. In Mississippi, typically, if you're not the title holder, you can't obtain mobile home homeowners insurance. However, some local insurance agencies could help.

Coast Insurance Services Inc.

Phone: (*) *-*
Address: * Highway *, Waveland, MS *
Website: www.coastinsuranceservices.com

They didn't answer, I'm guessing their on lunch break. Can she evict me for not having home owners insurance when I don't own the home is still in her name?

In Mississippi, the landlord can't evict you for not having homeowners insurance if you're not the property owner. They can, however, require you to have renters insurance. Please consult a local attorney to understand this better.

Ok, thank you

You're welcome, ****. If you need further assistance or have any other questions in the future, don't hesitate to reach out. Best of luck with your situation.

The machine keeps hanging up on me

I'm sorry for the inconvenience. It seems there might be an issue with the system. Could you please specify which machine or service is causing this problem?

The one that answered when you call *-*-*

I'm sorry for the inconvenience. The number you mentioned (*-*-*) seems to have some issue. It's possible it's temporary. Try calling again later in the day or tomorrow. If you still encounter problems, let us know.

Ok thank you

You're welcome, ****. If you continue to have issues, or if you have any other questions in the future, please don't hesitate to contact us. Good luck with your situation.