Published at Sunday, April 15th, 2018 - 21:08:00 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.
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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