Navigating Insurance Options for Your Owner-Occupied Mobile Home

Hello everyone,

I hope this message finds you well. I’m currently living in a mobile home that I purchased after several years of renting the same property. During my time as a renter, I maintained a renter’s insurance policy, which provided peace of mind. However, upon buying the home, I encountered some challenges while seeking homeowners insurance. Unfortunately, it seems that my mobile home is either deemed uninsurable or has quotes for homeowners coverage that exceed the trailer’s market value.

Given this situation, I’m curious about the possibility of retaining my current renter’s insurance policy while living in my new mobile home. I understand that this policy may not extend to the home itself, but my primary concern is ensuring that my personal belongings are protected. I’ve reviewed the details of my renter’s policy but haven’t found any specific clauses that address my unique circumstances.

For additional context:
– I’m located in South Carolina, United States.
– My renter’s policy is through State Farm.
– There are no mortgages or liens on the property.

I’m looking for guidance on whether it’s permissible to keep my renter’s policy as is and, if that’s not an option, what alternatives are available to safeguard my possessions.

Thank you for any insights you might share! Your advice would be greatly appreciated.