Has anyone ever attempted to get homeowners insurance after you have been in your home for awhile? I guess that is probably a pretty rare question because most people have the insurance just added in while you are paying your loan but I bought my mobile home outright for cash and never put insurance on it at the time I bought it. In fact it simply never occurred to me for a couple of years and by then, I couldnt get it done because my house didnt have either a solid under foundation or underpinning. I didnt want to brick it in because that makes it a permanent structure and the taxes are much higher so I wanted to do just regular underpinning. This past year Tony was able to underpin it with tin which will hold up much better than that vinyl koi that most underpinning is made up of. Cheaper too. Do the insurance people have to come out and go in your house to inspect it? Or do they simply look at the outside? I dont mind them looking around outside but heaven knows I dont want anyone coming in here...lol. Also I will have to take my dogs on a little side trip to visit their brother when the insurance folks come because I am not telling them I have bull dogs. Thats an immediate turn down. So are rotties, dobies and german shepherds. They should also put chihuahuas on that list if you ask me. If its gonna be too much of a pain I will just not insure the place. I will get Tony to put renters insurance on the contents and be done with it. He doesnt own the place, I do.