Published at Monday, April 16th, 2018 - 23:06:31 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.
The amount and degree of coverage provided by a manufactured home insurance policy can vary dramatically between insurance providers. It is very important to compare policies before buying, what might look like a bargain at first glance could end up costing you thousands of dollars in the event of a claim. That is particularly true when physical damage coverage is concerned. Some policies, called peril policies, provide basic coverage for only specific causes of loss. Policies that automatically cover most direct, sudden and accidental perils are often called comprehensive policies. These cost more than peril policies and list the few causes of loss that they do not cover in the policy.
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