Navigating Renter’s Insurance for Your Mobile Home: A Guide for New Owners

Hello everyone,

As a recent homeowner of an older mobile home in South Carolina, I find myself navigating some unexpected insurance challenges. After years of renting the space, I made the decision to buy the mobile home, which has led to some confusion regarding appropriate coverage for my belongings.

During my rental period, I held a renters insurance policy, which provided peace of mind for my personal items. However, now that I’m the owner, I attempted to transition to homeowners insurance, only to discover that my mobile home is either deemed uninsurable or the premiums are shockingly high—often exceeding the home’s overall value.

This brings me to my primary concern: Is it possible—and permissible—to maintain my renters insurance despite owning the mobile home? My intent is not to cover the structure itself, but rather to ensure that my personal belongings are protected. I’ve reviewed the terms of my renters insurance policy and, unfortunately, haven’t found clear guidance on this matter.

To provide some context, here are the key details:

• Location: South Carolina, USA
• Insurance Provider: State Farm
• Mortgage Status: There is no mortgage or lien on the property

I’m eager to hear from anyone who has faced a similar situation or from experts who can provide insight. If retaining my renters policy isn’t an option, what alternatives do I have to adequately insure my personal items? Your advice and recommendations would be greatly appreciated!

Thank you for your time and assistance!