General Discussion
In reply to the discussion: The Conclusions of a Working Class "Taker" [View all]IrishAyes
(6,151 posts)please consider the possibility of switching to a Tiny House (maybe on wheels) if you can. It might even be possible to build one on your own. Even in municipalities that would never allow them to remain stationary, moving a little ways as required could keep a roof over your head. I happen to have a huge old house, but that's because it was a wreck when I bought it at auction for pennies on the dollar and nobody else wanted to put up with the years of discomfort and work required to restore it. Not to mention expense.
That was before the Tiny House movement really got rolling; and truth to tell, I think I'd go that route now. With a comparatively under-insured house, if disaster strikes that might well turn out to be what happens. Especially at my age, I just love Tiny Houses now. Some are actually beautiful. Of course I also look at grain silo conversions and shipping containers, plus cob domes. If I wound up in the latter, I'd make it look like a Hobbitat. They're not that hard or expensive to make, either.