Why Should You Consider a Prefab Home Over a Site Built Home?
Is This The Right Choice For You?
- A Prefab Home, more commonly called ‘Manufactured’ or a ‘Modular’, has experienced a wealth of publicity over the years. Some of which, was not so good!
- Prefab Homes have come a long way and just keep getting better every day. They look nothing at all like the ‘mobile home’ of the past and they aren’t built like them either!
- Today’s Factory-Built Prefabricated home is a totally different story! They have a lot more to offer than just a Lower Cost than a ‘Site Built House’.
- You might not even recognize a ‘Factory-Built’ if you saw one. They are now so close in design, structure and overall appearance to site-built homes that you almost have to be a builder to tell them apart.
- ‘Quality’, ‘Value’ and ‘Energy Savings’ are the new buzz words associated with today’s prefab home. Factory-Built housing today is better than they have ever been!
- Thanks to state of the art production processes, a prefab home, or Factory-Built housing is as good as it gets when it comes to energy efficiency, afford ability, and innovative design options. They offer a tremendous number of upgrades and options, even the floor plans are optional on some models.
- Approximately 18 million people, a little over 7 percent of the U.S. population now live in a Prefab Home and that number will continue to grow at a more rapid pace than ever before. Overall Quality improvements are making Factory-Built Homes a primary consideration for both new and previous home owners.
- There is greater value today than ever before. A prefab Home is like anything else that you buy though. You must know what to look for. If your goal is to “Get More Bang for Your Buck”. You have come to the right place. We will arm you with the very best information, so you can make a wise decision, and invest in a Home that will give you many years of enjoyment that you and your family deserve.
Buying a new home comes with a lot of responsibility, including getting the right home-owner’s insurance to protect your investment. If this is your first time through the ropes, however, you can definitely encounter some questions that are difficult to understand on your own. Take these tips to mind, as you begin looking for insurance for your home.
Be sure to read the documents that explain your home owner’s insurance coverage. Doing this will help you confirm that you are covered for what you expect to be covered for. There are some pages of fine print that will inform you of the things that are not covered. Knowing what your policy covers may save you some money in the future.
You should be sure the insurance company you choose to do business with is a reputable company with your best interests in mind. Check different unbiased websites to look at reviews on how claims are handled, the customer service you will receive and the promptness of the claims being paid out.
When you are signing up for homeowners insurance be sure to make it clear to your insurance agent that you want full coverage for your home. Many agents are afraid of offering that because of the high costs and that can leave you in a position where you end up with too little insurance.
When buying a new home that needs extensive renovations, know that your home insurance premiums will reflect that work. The insurer will see the new work and factor in the cost of replacing the upgrades, which would be costly in the case of total destruction. This will increase your premiums to cover the cost of reconstruction.
Insurance companies aren’t in the business of giving you a call when they think they can save you money. That isn’t good business practice! It’s up to you to call your insurance provider and let them know of any changes in your life that could get you a discount on your premiums.
Ask your agent about all available discounts to see if you are eligible for additional savings on your home owner’s insurance policy. Some discounts are obvious like those related to claim history or multiple lines of insurance. However, other discounts may require a little more research. For example, some carriers offer discounted rates if nobody in the household smokes, so be sure to check on all potential savings.
Mobile Home
If you have a mobile home or manufactured housing, shop around for special homeowner’s coverage that’s designed for your needs. Some companies offer special policies depending on the age of your home and where it’s located. Some companies also offer coverage to protect your home while it’s in transit from one location to another.
Invest in a home insurance policy that has “guaranteed replacement value,” so you are not left living in a mobile home instead of the home that you have spent years paying for. This type of insurance will cover the cost of complete replacement of a home that is much like the one that was destroyed.
When you purchase a new home, you are making a large investment that should be protected. The best protection you can give your home is home-owner’s insurance, but there are some things that you want to make sure are included. Give these tips consideration as you begin to look for your home’s policy.