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In Kentucky, What Is The Law In Regard To Home Owners Insurance?
In: Home Insurance
19 Feb 2010I was told that your insurance will drop you if you dont have a foundation, i.e, a basement on your home, how true is this statement?
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3 Responses to In Kentucky, What Is The Law In Regard To Home Owners Insurance?
mbrcatz
February 19th, 2010 at 1:27 am
Not exactly true. They cancel you for misrepresentation if you don’t have a foundation (basement or slab). The application you fill out, asks about the foundation. If you say, no foundation, they won’t write the policy. If you say foundation, you’ve lied, and they cancel you for that.
The problem is, if you have no true foundation for your “home”, it’s not really a home – it’s a trailer. Sure you live there, but it’s a depreciating structure, NOT a true house. Trailers don’t qualify for homeowners policies – you need a trailer policy.
dixie_n_
February 19th, 2010 at 5:18 am
It will not drop you because of that. We do not have a basement and we have h o ins. at a reasonable rate.
BR
February 19th, 2010 at 9:15 am
That is false. There might be some insurer that will take that position, but not across the board.
Many homes have slabs and they are completely insurable..