Nobody. Homeowners Insurance covers Homes not land.
Property insurance is traditionally paid for by the buyer and is part of the mortgage financing contract. The property insurance is to cover the home and must name the mortgage financng entity as a co-insured mortgagee. It does not matter who does the financing.
Does a land contract qualify a first time home buyer for the new tax credit?
Yes, Land owners can and regularly do obtain insurance to cover potential liabilities
Home owner's insurance is a contract that allows coverage if an accident(s) occurs in a lifetime to one's home. They are many insurance companies that have good and reliable contract for home insurance. Your preferred price, benefits, and coverage's (among others) will be key facts in choosing your insurance provider. Some companies I believe may have good and reliable coverage are: State Farm, Progressive, Liberty mutual, and Giego.
You would need to look at the contract. Often a mobile home contract is secured by the land it is placed on. It may be that you cannot default on the mobile home without losing the land.
Unless you signed a contract agreeing to be responsible, your mother's estate is responsible for her debts. If she has no estate then her creditors are out of luck.
Yes, Maintaining your Home hazard Insurance Policy is a requirement of your Mortgage Finance Contract or Note. Failure to maintain adequate Property Insurance is a default of your agreement with the mortgage company.
No, A condemned home is not insurable. The homeowners insurance policy becomes null and void the moment a home is condemned whether the insurer has been notified of the condemnation or not.
You will have to check your home owner's policy. It is a contract that you have with the insurance company and will specify how long you have to file a claim.
Any type of home business that has been concealed from the insurance company could invalidate "all" coverage under your homeowners insurance policy.Your contract with your insurance company will require that you disclose any home business operation when you apply for or renew the policy.
If you signed a contract to buy the home you can not legally stop paying. -No matter WHO owns the land it's on.