Manufactured Homes are Not Mobile Homes: The Differences

Posted on: July 9, 2015 by Aegis Security Insurance

For many people, the terms “mobile home” and “manufactured home” conjures up similar images; old trailer parks full of storm-damaged and vulnerable looking metal houses. Most don’t realize that although mobile homes can be a lucrative option for many home buyers, it’s not their only option. “Mobile Homes” actually refer to movable homes that were fabricated before 1976.

After this time, the HUD code was implemented, governing business standards for factory-built homes and greatly improving quality standards for these types of structures. Manufactured homes are similar to mobile homes in that they are built and shipped on flatbed trucks in various sections, and joined at the site where they will either reside temporarily or permanently.

However, the federal standards for these structures are much more stringent; regulating design, construction, strength, durability, and transportability. In addition, they must have a certain level of fire resistance, energy efficiency, and overall quality. Manufactured homes typically are designed in one or two-section unities, ranging in dimensions from 8 feet or more wide and 40 feet or more long. Unlike mobile homes, manufactured housing can be placed on top of a basement.

A third type of home that is similar to mobile and manufactured homes but is actually in a category all on its own is modular homes; build to the same standards as site-built homes they can be made to look very similar to traditional site-built homes, however without the construction time and costs required for such a structure.

If a buyer is considering purchasing a mobile, manufactured or modular home, it’s essential that they make sure their insurance policies are up-to-date and provide you the correct amount of financial protection. For nearly 40 years, Aegis Security has specialized in providing Manufactured Home Insurance solutions. We provide coverage for mobile, manufactured and modular homes to protect not only the roof over your clients’ heads and everything inside but also the liability risks they face.

Our product focuses on protecting homeowners from perils common to manufactured homeowners, allowing agents and brokers to get the exact coverage their clients need. To learn more about our operation and all of our personal insurance lines, give us a call today at (800) 233-2160.

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Posted in: blog Manufactured Home Insurance

Tagged: Home Homes Insurance Liability Manufactured Home manufactured homes mobile modular