Monthly Archives: March 2018

Another Mobile Home Burns! Will Your Insurance will Cover your Home?

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On March 15, 2018 a mobile home was destroyed completely by fire in the City of Cypress, Orange County. The photos show the devastation. The man inside the home suffered burns. According to a March 15 Orange County Register report the cause of the fire is still under investigation.

Officers escorted the subject away from the residence seconds before an explosion occurred.

When a fire like this happens the first questions or comment is, “We sure hope the owner of the home was insured.” Unfortunately, the answer to this question is frequently that the home owner is either uninsured or under insured.

Fires happen. It could be your home damaged by a fire in a neighbor’s home or a huge disaster like wild fires where embers land on your roof and there is no stopping the damage and devastation that follows.

The pictures of this disaster tell the story. Don’t be caught without insurance. It is recommended that you consult with a professional who specializes in insuring mobile and manufactured homes for your insurance coverage.

The key is to have the home insured for replacement value. If you have a loan on the home and it is completely destroyed by a fire, you still owe the loan amount, plus you need to now replace the home.

The insurance coverage needed will need to cover the removal of the old, destroyed home, the preparation of the lot for the placement of a new home, payment of the mortgage and the purchase of a replacement home. This could be a considerable sum, but far better to be insured for the total loss.

Californians vs. Gas Prices

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California is the third largest state in the United States by square miles. Although some cities have reliable public transportation, it’s easier to get around in the suburban cities if you have a car. Whether you drive a few miles every day for your errands or commute for an hour for your work, we have all seen the gas prices going up recently.

An article written by Kevin Smith, published in the San Gabriel Valley Tribune, explores a few reasons why you might be paying more for gas than you should. If you are looking for ways to lower your expenses, consider the following points made in the article titled, “Here are the top money-wasting habits when buying gas, are you guilty of any of them?”
Smith uses a study done by GasBuddy and boiled down the list of these money-wasting habits to a few categories.

The study showed that almost 80% of the respondents have a gas station they regularly go to. It’s not a surprise that many people have a gas station they regularly go to, since it’s probably the most convenient location. Continue reading →

Thinking of selling your home?

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Before selling your home, be sure everything is in order regarding the registration of the home with the State of California, that taxes are all paid and current, and that you are aware of the proper disclosure forms that must be provided to the buyer of your home. These forms are outlined in California Civil Code Sections 1102 and require the seller of a manufactured home to disclose information including what items are included in the home, significant defects/malfunctions, hazardous materials in the home, and that any room additions comply with the appropriate code. The disclosure form is far more detailed, so be sure that you are thoroughly aware of this section of the California Civil code BEFORE you put your home up for sale. You will also want to advise the on-site manager/park owners that you are selling your home so that they can provide you with additional information or procedures that will need to be followed.