subject: Finding The Very Best Manufactured Home Insurance [print this page] Finding The Very Best Manufactured Home Insurance
Manypeople believe that buying Manufactured Home Insurance is no different from buying an insurance policy for a conventional home. However, due to the unique nature of mobile homes there are different things that a homeowner must knowbefore buying a policy. These differences are often not thought ofby home owners but knowing them will really improvethe chances of getting the best deal when purchasing an insurance policy. What Makes a mobile Home Different Since manufactured homesare 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 mobile homes mustfollow 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 qualitystandard. There are two major differences between a conventional home and a mobile home. First, Manufactured Homes are built in factories and are far more affordablethan conventional ones. Since they are mass-producedmaterial and labor cost is drastically reducedThe second major difference is conventional homes are built on site providing a sturdier baseThis doesn't mean that a mobile home is not strong.Part of the HUD rules and regulations about manufactured homes is that it should be attached to a fixed foundation. This is achieved by preparing an on-site base for your manufactured home, known as tie-downs, ground anchors and block foundations that really helps in the stability of your home. Preparingyour Home Despite the recent development and regulations in making mobile homes, insurance companies still consider them higher riskto insure than conventional homes. Don't be surprised when you notice that insuring your home is more costly.What you can do in order to counterthis is to make sure that your home has all the necessary equipment and upgrades to get discounts. If you own a doublewide or a multiple-section manufactured home, you can also get a less expensive insurance policy since it's considered to be more studier than a singlewide home. And just like a conventional home, equip your house with burglar and fire alarms for better security and safety. Winterizing and insulating your mobile home is also a good step since it prevents theincidents of frozen pipes and will also save you money in heating and cooling your home. Although such steps pose additional costs, making these improvements will not only get you insurance discounts but will also make your family safe and secure. Scouting for the best Mobile Home Insurance Be sure to get quotes from manyinsurance companies before buying any policy. Since manufactured homes are becoming more popular, some companies have created special policiesthat offer better coverage. If you have auto insurance, ask your insurance company to assess your home since companies offer discounts for multiple policies. If you don't know where to start you can always search the internet and look for companies that offer free quotes and professional advice on how you can get the best Manufactured Home Insurance in your area.
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