Ways to save and get cheap mobile home insurance
Looking for ways to save? Aren’t we all? Here are some ways to get cheap manufactured home insurance:
- Claims free
- Newer home
- Monitored alarm system
- Sprinkler system
- Mortgage free
- Loyalty discount
- Mature customer
- Bundle with car insurance
Insurance for older mobile homes
The age of your mobile home is a big consideration by insurance companies. Older mobile home insurance may not be offered to units that are older than 25 years. Getting insurance for older mobile homes can be challenging because those built before 1976 did not follow standard building regulations. They were unregulated. So, insurers have concerns about insuring mobile homes that may or may not meet modern building standards.
If you want to get insured for an older mobile home make sure it's well kept, does not have safety concerns, and it's been updated or modernized.
What's the difference between mobile and manufactured homes?
There is a subtle difference between manufactured and mobile homes. It all has to do with the date they were built. Homes built before 1976 are considered mobile homes, and those built after 1976 are considered manufactured homes. At this time Manufactured Home Construction and Safety Standards (MHCSS) were established.
What about modular home insurance – how are they different from manufactured homes?
Both manufactured and modular homes are designed and built in a factory. But they have many differences beyond this. The distinction between the two can affect your insurance requirements. Here are the main differences between these two types of homes:
|Delivered assembled in one piece
||Delivered in multiple pieces and assembled onsite
|Can sit on non-permanent foundation
||Sits on permanent foundation
|Built with a metal frame – no basement
||Build on a traditional foundation – has basement
||Looks like a trailer – long and narrow
||Resembles a traditional home