[njbchbum]

Originally Posted by icelandicgirl13

I am considering moving to the TV as soon as this year. I visited TV a few weeks ago and looked at Patio Homes and manufactured homes. I was told the insurance on the mobile homes is very high. Any opinions about patio homes vs manufactured homes ? the pros and cons ? Price is an issue , I am trying to keep the costs down as much as possible in order to have more fun money in retirement. Any advice you can give me is greatly appreciated. Thank you.

who are you listening to when they tell you that the cost of ins is very high on a mobile home? if they used the term mobile home - that's your first sign that they don't know what they are talking about. the historic side is probably 99% populated by manufactured homes with very few original mobile homes remaining on their lots.

then I question who is the source of info re the cost of ins on a mobile home. is it a real estate sales person trying to upsell you to a patio villa? we know it isn't an insurance agent with experience in obtaining coverage for manufactured homes because they would not have used the incorrect term of mobile home.

our little 1,000 sq ft snowbird nest runs us approx. $650/yr for a homeowner ins policy. the most important/costly part of ins covg is to make sure that a home inspector or the homeowner can provide you with proof that the manufactured home meets the current requirements re 'tie-downs'.

the best advice you can get on totv re purchasing in the villages is to buy what you can afford and what you like - when you can get those two points to intersect, you have found the house for you! and if someone scoffs at the possibility of owning a manufactured house on the historic side - well, you can just guess at what all of us living there think about a potential friendship with them!