Every New Year we make resolutions that we sometimes keep and sometimes do not keep.  However, this New Year, the recent fires and flooding disasters in our State have reminded all home owners that it is very important to check their homeowners insurance.

Mobile home owners and manufactured home owners need to make sure that their insurance coverage covers REPLACEMENT cost of the home!  This cannot be stressed enough.  You may have paid only $20,000 for a double wide home, but in order to replace that home should it become totally damaged, it will cost more than double that or more.  Also, remember that you are renting the lot and should the home become damaged, the site will need to be cleared by the home owner and this is no small cost.

NOW is the time to make sure you have adequate homeowners insurance!