[Dr Winston O Boogie jr]

I have seen manufactured homes sell for anywhere between $39,000 and $130,000. Patio Villas seem to start at around $130,000.
Insurance for a manufactured home runs about $800-$900. I don't know what insurance is for a patio Villa is, but it's really only a factor if the price of the two homes is about the same. If the difference in the price of the houses is $30,000, it would take 80 years or so to make up the difference in insurance. If you're looking at a Patio Villa at $130,000 and a manufactured home at $130,000 it would make a difference unless the PV has a bond.
I live in a manufactured home in Silver Lake and would have preferred to have bought a Patio Villa, but would rather have kept and extra $50,000-$60,000 in my retirement account.
Don't get me wrong, I love my little manufactured home, and many of them are well maintained and won't need any more maintenance than a newer home.
It's a personal choice, but I think that unless the homes are of the same value, the insurance should make a difference.