I guess I wasn't clear in my op. This mobile has been heavily upgraded eg: the original cupboards gone, new closets, new studs, new outer plates , new siding, new windows, new electrical panel, new wiring, new plumbing, new heating, new siding, new roof, new insulation new flooring etc... there is very little of the original trailer left. The trailer hitch has been cut off and tossed. We are desperate here. Without insurance the bank will call our motgage we will lose property worth an excess of 450,000 all for a stupid mobile mobile home. HELP!!!