Published at Sunday, April 15th, 2018 - 07:50:50 AM. Manufacturer Home Insurance. By Durand.
Perhaps another challenge that one will encounter is the lowering or stripping of benefits in a manufactured home insurance policy. Most companies would not be willing to consider including coverage for loss that is due to water damage. Again older mobile homes are at a greater risk of damage or loss due to events involving water. So you may want to check out the plumbing system to determine whether it needs to be replaced. You may also want to take note of the site where you will be moving to. If it is a flood-prone area then you better think twice because it could easily cost you in many different ways.
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.
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