By Durand. Manufacturer Home Insurance. Published at Sunday, April 15th, 2018 - 08:00:15 AM.
Manufactured home dealers provide manufactured homes that fit almost everyone?s tastes and pocket. Some are designed for those on a limited budget. Other models offer luxurious features at a higher price. The home can be a single-section unit or a large multi-section unit. You have the option of choosing from a wide variety of home styles. There are more than a hundred and fifty companies dealing with manufactured homes and more than four hundred factories located throughout the United States which manufacture them. When buying a manufactured home, you have to keep the prices in mind. The sales price for a new manufactured home ranges from under $25,000 for a single-section home with basic features to prices in excess of $100,000 for a deluxe multi-section home. Depending on the location and excluding the cost of land, construction cost per square foot for a new manufactured home averages anywhere from 10 to 35 percent less than a comparable site-built home. A manufactured home is the answer if you are looking for a first home, a larger home for your growing family, or the perfect retirement home.
What to look for in your Insurance Policy. When you start scouting for insurance, make sure that it covers the repair and maintenance of your home and pays for your personal belongings when your home is damaged by acts of nature, fire or vandalism. It should provide accidental and medical coverage to the members of your family. The policy should also offer a personal liability protection in case someone who is not a part of your immediate family gets injured in your home. Do not forget to look for insurance companies that offer discounts based on your home's condition. Having security and safety devices like smoke detectors and burglar alarms will give you a discount since it provides better security. Another thing to look for is flood and earthquake coverage since some insurance companies do not include these in their policy. Homeowners often over look this type of coverage but it is better to be prepared for the worst, just in case it does occur.
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.
There are several types of home structures and naturally there are different policies for varying residence types. For manufactured homes, the policy usually covers the entire structure. However, some manufactured home insurance policies will or may require an additional or optional policy for structures such as garages and sheds. It is also important to consider what type of unfortunate events that could occur. These events could result in serious damage to your home and belongings. The most common events include fire, lightning, frozen plumbing, vandalism, weight of ice and snow, smoke, explosion and hail. Normally insurance companies exclude "acts of god" like earthquakes, floods and other conditions such as fungus, bacteria, or dry rot. This would mean you need to purchase an additional policy in order to be protected against these events.
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