Feel blessed that you have insurance. I have had insurance on my mobile home for 22 years. As of September 10, my insurance company is not renewing it because I live within a 10 mile radius of Ocean Isle. Although my mobile home is 22 years old, it may not be worth much, but I could have at least got enough to make a down payment on something else if a hurricane or something else caused me to lose it. Now I don't have that option.