By Durand. Manufacturer Home Insurance. Published at Thursday, April 05th, 2018 - 20:04:43 PM.
If you are trying to get quotes for mobile, manufactured, or modular home insurance, you will need to know what you own in order to get accurate homeowners insurance quotes. An insurer will surely make a distinction between any home that can move versus one that is firmly anchored in place! The age of the home will surely make a difference too! Sometimes it is still hard for people to really know what kind of home they own. As we noted above, some mobile homes have been firmly anchored and surrounded by other structures so it would be hard to notice they had originally been built to move! If you are not sure, an experienced insurance agent can probably help you. You can find a lot of online insurance quote systems that will give you some online information. This information may include competitive premiums, policies, and the contact information for local agents or company representatives. This is a quick way to find good quality insurers who can help you.
When getting manufactured home insurance, it is strongly suggested that you go to companies who specialize in manufactured home insurance. It would be a mistake to turn to just any insurance company. First off, you are not sure if they know everything that they need to know in order for you to receive the best coverage at the best price. The risks involved and the type of coverage is different from a conventional home or an automobile insurance policy. To make sure that you understand what manufactured home insurance is all about and to have a macro and micro view of the standard coverage, this article will summarize everything you need to know about it so that you will not get caught up with an agent who is just trying to beat around the bush and then you end up not really understanding what he is offering you. Educate yourself with this information.
What Makes a Manufactured Home Different. Since mobile homes are built in factories, they conform to US government's Manufactured Home Construction and Safety Standards as well as state and local housing codes. They are also built on a steel chassis and towed on wheels to their site. Ever since June 1976, factories making Manufactured Homes follow strict government guidelines monitored by the US Department of Housing and Urban Development (HUD). This ensures that your house is built to last and the materials used pass a high quality standard. There are two major differences between a conventional home and a mobile home. First, Manufactured Homes are built in factories and are far more economical than conventional ones. Since they are mass-produced, material and labor cost is greatly reduced. The second major difference is conventional homes are built on site providing a sturdier base. This does not mean that a mobile home is unstable. Part of the HUD rules and regulations about manufactured homes is that it should be attached to a permanent foundation. This is achieved by preparing an on-site base for your manufactured home, known as tie-downs, ground anchors and block foundations that greatly help in the stability of your home.
The insurance on these homes is very similar to what one would have on any other home. You can obtain personal property protection (for the loss or damage to personal property), family liability protection (against any judgments), guest medical protection, home and structure protection, plus living expenses for temporary housing if required because of damage to the home. A manufactured home, as defined by Mobile Home Insurance companies is a single family house, constructed in a factory, and built to the required federal code. The insurance for this type of residence it is virtually the same as for a regular house. When purchasing insurance for manufactured homes part of the cost will depend on where you live, as well as the construction of the home and its condition.
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