Published at Wednesday, April 11th, 2018 - 16:40:49 PM. Manufacturer Home Insurance. By Durand.
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.
In the last decade, manufactured homes or those that were built in a factory have changed significantly in terms of materials, make and build. This has been considerably a great factor in people trying to protect their home and properties. The most logical and wise thing to do is to get yourself a manufactured home insurance policy that normally includes or covers protection for your home and other structures (home structure repair cost), your personal property (cost of valuable personal property items that are damaged or lost), family liability (assistance in legal representation related to claim matters that are covered), guest medical (cost of medical expenses for your visitors that have acquired injury under your roof or within your property), and additional living expenses (temporary housing reimbursement for houses under reconstruction).
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