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For this interview, I sat down with Darcy Beck, an agent at Cross Insurance and a multidisciplinary insurance expert who works with hundreds of clients to find the best protection for their home. Finding the right protection for a manufactured home is different from other residential properties and comes with different risk assessments. In this discussion, Darcy provides insights into why manufactured home insurance is different and what factors go into finding the right carrier.
This transcript is produced using a combination of human speech recognition and transcript. It has been slightly tweaked for clarity and general grammar correction, but may still have errors.
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Dominic: The first topic that came to my mind was the house made because I heard that sometimes it is difficult to leave only some transporters that we can put with them and to be honest with you I do not know That’s why it is that way. I have some guesses. But how does home insurance for a single-family home differ from manufactured homes?
Darcy: Made earrings can be used with almost any company. Homes made because they have to be built and approved by HUD or a factory, or you know the federal government, they consider it different from houses made of ordinary wood. So if you go out to build a house, you will have to check through the provinces to make sure that all the things you get for the job are being done as described. Manufactured or mobile homes are built in factories and require plates from HUD and the federal government to approve them. So they are at home. Because it is built differently and adopted differently, not every company wants to play with it.
Dominic: That was the part I did not think of. Because when you have more traditional house construction, it means the city can come in at some stage and check it out as it goes through construction. Therefore, it is a bit practical when it comes to creating. But because the houses that are manufactured are real, they are built and sent to a location where they will be placed on a foundation or temporary foundation or whatever you have, they do not have the opportunity to do it. But they still have to do that.
Dominic: So that also changes the risk for the insurer and how they will insure it due to the manufacturing process, the shipping process and finally where it will be placed.
Understanding Homeowner’s Insurance For Manufactured Homes
Darcy: That’s right. It is often argued that manufactured houses are built in a controlled environment, viz. And while they use very similar materials, they are slightly different from what wooden houses use. Not much because it is still drywall and it is still made of wood and everything. But it is a little different. But even if it is built in a home-controlled environment, because it is mounted on a car and maybe it has wheels or maybe it has a tongue and sometimes it has to travel thousands of miles. Wear it and there are many different things that sticks are made of. And it shifts the risk a little bit.
Dominic: When carriers are looking at home-made products and considering their rates for it, what are some of the factors they consider home-made watches for?
Darcy: The main factor is age, mostly if it qualifies in the age range. Like Grange, whatever 10 years or more they will accept it. So if it was 11 years old, Grange would not take it as a new business. So if you get there at 5pm, you know, you have a five-year-old prefabricated house and you go with Grange, and 15 years later you are still with Grange, they will still keep you on the books. But you can not enter a new business like a house made at the age of 15. Safeco accepts up to 20 years. In addition, age is not a big factor when you enter standard or non-standard markets like Formost and American Modern, why they will still recognize it, they have products designed specifically for older manufactured homes. . Manufactured and customized. , So age is the greatest. And then the next category is the security class it belongs to. I mean, if it was in the top 10, some companies would not take it at all. Then you have to go back to Foremost or American Modern or Markel.
Darcy: Sure. Safety class is your fire protection class. So how far are you from the fire hose from the fire department or is it one of the stations. And how much the district serving your area is built or trained, or how much equipment, how much salary, or how much volunteer workers they Yes. Like I do in Port Angeles in the city, it is the fourth level security, that is what most people who live within the city limits. They usually have firefighting equipment within 2 miles of the fire station, at least at the end of the block, and they have full firefighting equipment and paid firefighters. So they are always on schedule. When you are outside the city limits. You are now participating in a higher security category as the fire district is primarily a volunteer fire district. And they have the same equipment as other fire departments, but it can be cluttered between two different stations and it can take longer for them to travel from that station to your location.
How To Finance A Mobile Or Manufactured Home
Dominic: I can see a bigger challenge in Washington as well. There are many opportunities to buy a large plot of land, prefabricated houses.
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