Navigating Renter’s Insurance for Owner-Occupied Mobile Homes

Hello Readers,

I find myself in an interesting situation and am seeking guidance on how to best protect my belongings while living in my newly purchased mobile home. After a few years of renting this older mobile home, I decided to invest in it and make it my own. During my rental period, I had a comprehensive renter’s insurance policy, which provided me peace of mind. However, upon transitioning to ownership, I encountered difficulties in securing homeowners insurance.

To my surprise, the options available were not only limited but also came with premiums that exceeded the overall value of the mobile home. This has led me to explore the possibility of maintaining my existing renter’s insurance policy. While I understand that this may not cover the mobile home itself, my primary concern is insuring my personal belongings.

Here are a few details for context:

• I reside in South Carolina, USA.
• My renter’s insurance is through State Farm.
• There are no mortgages or liens on the property.

My question is straightforward: Can I continue to rely on my renter’s insurance policy in this scenario? If maintaining this policy is not feasible, I would greatly appreciate any recommendations on how I can effectively cover my personal items in my mobile home.

Thank you for your insights and suggestions! I look forward to your advice.