Site built is just that, constructed on the home site. Manufactured means the home was manufactured in an off-site location and brought to the site (usually in pieces).
Most insurers will want you to have "tie-downs" to make sure the manufactured home is properly attached to the foundation. I think this is a common practice now, it should be part of your home inspection process. (Sorry but I don't have any cost estimate to share with you.)
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New York, California, Pennsylvania, Florida
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