While most insurers are hesitant to cover older manufactured homes, there are a handful of insurance agencies providing comprehensive insurance for manufactured homes, both new and old.

Many older manufactured homes are seeing a revival as vacation cabins or smaller quarters for those interested in downsizing. However, most insurance agencies do not insure manufactured homes and fewer still will insure older manufactured homes. These agencies cite reasons such as depreciated value, obsolete construction and other problems sometimes associated with older manufactured homes.

Despite these difficulties, older manufactured homes are insurable through specialty insurance providers. The options available vary based on the age and location of the home, whether the older manufactured home is occupied by an owner or renter and ownership of associated land. These manufactured home-friendly insurance agencies offer a variety of coverage types to suit the individual needs of older manufactured home owners.

"We can insure older manufactured homes going back as far as needed and covering most of your possessions," said Kenneth Quist, president of Premere General Agency, an insurance provider exclusively for manufactured homes. "Your home consists of more than just the structures of your house. Your home includes the tools in your garage, your wedding ring and your personal computer. Homeowner's insurance should give you a greater sense of security, knowing you'll always have a roof over your head."

Some things to consider when choosing insurance for an older manufactured home include:

• Home replacement cost in comparison to home value
• How deductible costs relate to insurance rates
• Home improvements and safety upgrades that could affect eligibility
• Possible insurance discounts available for certain home owners

About Premere General Agency
Premere Insurance, formerly known as Versatile General Agency, Inc. has been in business since 1979. They offer homeowner's insurance exclusively for owners of manufactured homes, R.V.s, motorcycles and watercraft. The agency is presently licensed to originate policies in 43 states under licensing agreements with American Modern Home and Foremost Insurance companies. Premere Insurance also enjoys a great working relationship with a number of mortgage brokers and manufactured home retailers. They promise quality protection, carefully customized to fit customer needs, and excellent customer service.

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