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Manufactured Homes vs Mobile Homes
Manufactured homes are modernized upgrades to mobile home trailers. The main difference between Manufactured Homes and Mobile Homes is their regulations. Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. These codes set minimum and maximum requirements for the construction of manufactured homes.
Manufactured Homes usually come with more land and attachments than archaic mobile homes. Manufactured homes can come with lawns, plants, advanced plumbing and electrical systems, and multiple stories. Mobile Home trailers are usually on wheels and can be easily hitched and transported. Manufactured homes are usually anchored to the ground and meant to stay in place permanently.
HUD Manufactured Housing Standards
When renting or purchasing a manufactured home, be sure all of the HUD- Manufactured Housing Standards are met. If the home isn’t up to code, you will be required to make the proper repairs before you move in. These repairs may be expensive. That’s why you should obtain Manufactured Home Insurance.
- Minimum Floor Space: 400 ft²
- Minimum Ceiling Height: 7 feet
- Minimum Ceiling Height in Hallways: 6.5 ft
- Minimum of 2 outside doors that are at least 12 ft apart for single-wide and 20 ft apart for double-wide
- Minimum one window in each bedroom
- Bedrooms for one person must have at least 50 ft² of floor space; for two people: 70 ft²
Explaining the Costs of Manufactured Home Insurance
Though Manufactured Homes cost less than standard homes, they a relatively more expensive to insure. They are also much quicker to build, but not durable in extreme situations. For this reason, manufactured home insurance cost much more than regular home insurance.
Because of the way they are made, many manufactured homes are not as durable as traditional stick-built homes mainly because they are not securely anchored. Their weight makes them weak in resistance to high winds and floods.
Even though manufactured homes are more vulnerable than standard homes, they are still a great investment and a comfortable, lucrative living option. We can help you find the best rates from Manufactured Home Insurance. You can get instant results when you request a free Manufactured Home Insurance quote!
We at SkyBlue Insurance want to help you find the best Manufactured Home Insurance to fits your needs. If you have questions about coverage options, rates, and policies, our knowledgeable agents will assist you. You can also request a rapid Manufactured Home Insurance quote and get instant results for free!
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