Half of Florida’s mobile homes are uninsured, and we want to change that. Insuring a mobile homeĪ mobile home is insured as real estate, not as a vehicle like a camper or RV. It is majestic, but it's not a mobile home. A modular home (these are built in factories, but transported in sections and constructed together at a permanent site).It is constructed according to the federal building code.It was transported as a complete unit to its current site for installation.It was built in a factory (not on-site).It is a dwelling of at least 320 square feet. ![]() Newer manufactured homes may look identical to site-built homes, but your home may be considered a mobile or manufactured home if: In Florida alone, there are more than 800,000. If you’re like a growing portion of US homeowners, you may well have a mobile home. You might have a mobile or manufactured home if … That’s the same type of homeowners insurance you’d get for a standard home. As a result, most insurance companies cover these homes using an HO3 policy. While modular homes are designed and constructed off-site like manufactured homes are, these structures are generally considered sturdier than manufactured homes – in part because they’re often attached to a foundation. ![]() The sections are then transported to the homesite, erected, tied together, and hooked up to utilities. However, these homes are designed and built in sections. Modular homes are homes that are designed in a special facility away from the homesite, which makes them similar to manufactured homes. They can be moved, but it’s very difficult and expensive to do so. The photo here is probably what you picture when you hear this term.īy contrast, modern mobile homes are usually permanently installed with a masonry foundation. Trailers are small units with wheels attached permanently so they can travel. “Trailer” is a slang term that often refers to mobile homes built before HUD began to oversee their construction. These factory-built homes are often moved to a location and kept there permanently.įun fact: The HUD Code is the only federally regulated national building code. Post-1976, mobile homes are legally referred to as “manufactured homes” and must adhere to the HUD code building specifications. These created federally regulated national building codes for all mobile homes to make them safer and more durable to the whims of Mother Nature. It passed the 1974 National Mobile Home Construction and Safety Act, followed by the 1976 HUD Manufactured Home Construction and Safety Standards. These were like campers and travel trailers in that they could be transported and moved thanks to their trailer frames, axles, wheels, and tow-hitches, but they were different in size and furnishings.īut then the federal government stepped in to make sure affordable housing was safe for the American public. Prior to 1976, prefabricated, factory-built trailer homes were mass-produced and marketed as mobile housing. The confusion over mobile homes largely stems from their origin. Here is your official guide to everything a mobile home is – and isn’t. So let’s clear things up once and for all. It seems the public at large may still have some misconceptions about what a mobile home really is. Some wondered if log cabins count as mobile homes (they do not). Some people rejoiced and sent photos of their campers (sorry, friends! Those aren’t mobile homes either). Folks asked us if we could cover RVs (that's a job for auto insurance). In the March 2008 issue of Log Homes Illustrated, they profiled a custom handcrafted log home in Central Florida that had been put through its paces when “it was tested by three direct, full-impact hurricanes: Charlie, Francis, and Jean.”Īlthough there was major wind and flood damage to the outside landscaping, this well-built home survived the true test with no real damage.Since Kin broke the news that our insurance company now offers mobile home insurance, we noticed some confusion. What do you think?… How well do log homes hold up in states as far south (and as close to the water) as Florida? ![]() I’m sure Ruth (and others) would be interested in hearing from log home owners in Florida. Please send some advise.Īll I know is these log homes survived hurricanes in Florida. Can log homes last that far south? I would love to find out more about what I should be looking for. If you buy thru these links, we may earn a commission at no additional cost to you.
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