Mobilown's Mymobil Insurance

07/17/2024

From respecting quiet hours, to keeping pets on a leash and cleaning up after them, there’s certain etiquette we should follow when camping. Here are some other rules to keep in mind:

While some rules are meant to be broken, these campground guidelines will ensure everyone is having fun and sleeping well, while keeping the bears out of your cooler. These are the camping etiquette rules you need to know.

07/16/2024

Who wants homemade ice cream? If you said “Me!”, here’s a simple recipe for you:

I scream, you scream, we all scream for HOMEMADE vanilla ice cream! This homemade vanilla ice cream is easy to make and might just be the easiest ice cream you'll ever make!

07/15/2024

Have you ever wanted to go camping somewhere outside of a traditional campsite – aka boondocking? It can be fun, but there are some important things to consider. Here are 47 tips you should know:

If you’re curious about boondocking in your RV, these RV boondocking tips will help you enjoy a truly independent and natural camping experience. Boondocking

07/10/2024

One crucial aspect of RV preparation that’s often overlooked is weight distribution. This guide explains why it’s important, and how to achieve the perfect balance for a safer and smoother adventure.

You’ll find money-saving tips, décor ideas, and more in our guide to planning your perfect RV camping wedding.

07/09/2024

Have you ever towed a travel trailer? If so, you know how tricky it can be. And if you haven’t (but you will be), it might help to read these tips ahead of time:

Learning how to tow a travel trailer may not be as challenging as you think. Learn how to safely tow a travel trailer with these easy tips.

07/08/2024

Do you know how to hook up a travel trailer to a hitch on a vehicle? It’s a useful skill to have, so if you don’t know how, check this out:

Learn the basics of how to hook up a travel trailer before you learn about weight distribution hitches and other towing accessories.

07/05/2024

No one wants to get a sunburn, but if you don’t protect yourself from the sun, you might get one. In honor of UV Safety month, here are some tips to help protect you from the sun:

Describes a series of steps to be taken to protect against excessive sun

07/03/2024

Tomorrow is the 4th of July!

Happy Independence Day! Do you know why today is celebrated? If not, here’s a quick history lesson:

Declaration of Independence Facts. Declaration of Independence Activities and Lesson Plans for Educators. Important Dates to Remember. Learn About the Signers of the Declaration of Independence, Read the Declaration of Independence and Test Your Knowledge with our Declaration of Independence Quiz.

06/09/2022

We insure Mobile Homes, Manufactured Homes, Park Models, and more!
We would be happy to talk to you, call us at 800-284-5284

04/08/2019

Spring is the perfect time to inspect your mobile home to make any necessary repairs before summer arrives!

Here is a simple list of items to inspect on and around your mobile home for the spring and summer months ahead. Inspecting your home regularly will save you from costly repairs later.

04/03/2019

Part 4 and final - RC & ACV Real Estate Example.

You have your home insured for RC and it has suffered a total loss. Let's say the house is worth $100K on the market, however, it would cost $200K to rebuild the same building today. Being insured for RC, you get a new house built, even though it's only worth about $100K on the market.
Conversely, let’s say we had the same loss on the same house, but this time, it was insured for ACV. The RC value is $200K, but your building is older and has depreciated by 60%. The ACV is $80K, so that's what you'd receive. You'd now have to spend extra money to find a similar quality home or downsize.
The difference between ACV and RC is substantial come claim time, but is often overlooked because RC costs more. We will discuss the true value of your home or building, and help you decide what the best option is for your situation!

04/01/2019

Part 3 - Personal Property (Your Stuff) RC & ACV

RC & ACV personal property example: You have a leather couch that you bought for $3,000 a few years back and a fire completely destroys it. If you had it insured for RC, you would receive a brand new model of the exact same couch (if one could be found), or the modern equivalent of it, even if it costs more. If it were ACV insured, you would get the amount calculated by taking the Replacement Cost minus depreciation.

Let's calculate it: Most couches don't have much resale value, so after a few years, it's probably depreciated 70%. To get a similar couch from the same manufacturer now costs $4000. So the RC value is $4000. For ACV you deduct the depreciation, so the ACV is only $1,200 (4000 x 0.3 = 1200).