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UPDATED: Jul 5, 2012
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Insurance Question from Sumter, SC
Asked on 07/05/2012
homeowners insurance For insurance purpose,i have a manfuture home that i put on a permant brick foundationis it still a moble home or ais it concidser a home?
Answer given on July 08, 2012
Even if you put your manufactured home on a permanent foundation, most insurance companies will consider it a mobile or manufactured home for insurance purposes.You may want to shop around by using an independent insurance agent to see if they can find an insurance company that will consider your home as a home. They may be willing to consider the home as a “prefab” home, which is usually insured as a regular home. However, since you are using bricks as the foundation, rather than a concrete slab, the insurance pay still remain as a manufactured home. The reasoning of the insurance company is based on the expures to loss that are different for a manufactured home. In the event of a tornado or hurricane, the results of the winds can have a very different effect on a regular home from that of a manufactured home.
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