Published at Monday, April 16th, 2018 - 23:06:16 PM. Manufacturer Home Insurance. By Durand.
Thousand of homeowners are having a hard time trying to find the right manufactured home insurance. In the past, manufactured homes were called mobile homes, although today we have a lot of types and classes to choose from rather than the previous mobile homes we were accustomed to. These new house types are being built in factories and need to conform to Federal standards, like the HUD code (or Housing and Urban Development code) as well as conforming to state and local building standards. Using steel frames as a foundation, these latest home designs can also be transported on wheels and are guaranteed by the manufacturer to conform to all codes. The good thing about these new homes is the fact that they are actually low cost compared to custom home types or site built homes.
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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