Site built vs. Manufactured

[In awe of TV]

The previous post got me wondering what the difference was between a site built and a manufactured home? I thought they were the same. Can someone explain? :shrug:

And, does anyone have an estimate/ball park figure as to what insurance is per year on a manufactured home? I'm assuming you can insure them??

:beer3:

[BogeyBoy]

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.)

[BUC]

They used to be called Double wides, and Moduler homes. In my opinion, depending on the quality of the Double wide they can be in some cases better than a stick build home because everything will be build square, because they are built in a factory with jigs/ square. I plan on buying on the historical side. Maybe I can put in a fence.

[nONIE]

BUC,

We are Insured with Foremost Insurance. If you go to Foremost.com there is a form to fill out that will give you and estimate. Our Ins. runs approximately 800 a year.

[JohnN]

Florida updated hurricane standards and requirements for manufactured homes in the late 1990's. If you buy a home before that, I'd double check both the physical craftsmanship plus the insurability.

[gingin410]

Manufactured homes is the new "PC" word for what used to be mobile homes...and yes, there have been some really tougher standards on how they must be tied down in FL. Yes, too, the new maufactured homes offer so much more than what mobile homes do.

My perspective is a bit different as my husband and son both insisted on a stucco home. My husband is a safety specialist and wanted the strongest possible structure available. Our son is a FL Nat'l Guard helicopter pilot and his home is stucco. Basically he chose stucco because he saw the damage and destruction from the hurricanes and tornadoes a few years ago flying at tree-top level. I guiess there's nothing quite like flying over miles and miles of hurricane damaged homes to convince you to buy a brick/stucco house! So, we paid the extra...but are saving on our homeowners policy.

[ConeyIsBabe]

Having lived through Hurricane Andrew in Miami on Aug. 23, 1992, any home I purchase in TV or anywhere in Florida will be CBS with the best roof and window shutters I can afford.

[In awe of TV]

:agree:

Absolutely - I'm in total agreement. I'm definitely going the CBS route.

I know the difference, but was inquiring about the site built vs. mfgd because I've seen ads of homes for sale that looked like mfgd but said they were site built. :shrug: Perhaps an agent error?


:coolsmiley:

[diskman]

A site built home is a home constructed by a contractor that is similiar in design of a manufactured home, except that it has been constructed with a foundation. Where a double wide or manufactured home depending on age is tied down to the surface by some means. Some of the resale manufactured homes may not have been updated by the owners and so , may not be tied down which insurers require now.
Having said all this my wife who has lived in Florida in a first marriage will not under any circumstance agree to live in a manufactured home as she has seen them blown away. I can't even get her to look at a site built either as she wants a garage.:shrug::shrug::yuck:

[George Hart]

What does "cbs" Mean? Thanks

[Felice]

CBS is concrete block & stucco. The homes in TV are either cbs or frame with siding. There are advantages and disadvantages to both. CBS homes have to be repainted, whereas frame w/siding does not. Both need to be cleaned twice a year.

[BobKat1]

Why do both types of construction need to be cleaned twice a year? Is it for mildew? Thanks.

[chuckinca]

What does "cbs" Mean? Thanks


Welcome to TOTV George!

[golfnut]

I have cbs and power wash it once a year, whether it needs it or not (usually doesn't look like it needs it)..............GN

[F16 1UB]

CBS is concrete block & stucco. The homes in TV are either cbs or frame with siding. There are advantages and disadvantages to both. CBS homes have to be repainted, whereas frame w/siding does not. Both need to be cleaned twice a year.

Although I've been away for 3 weeks, we've owned our new CBS home for 1 year and it's been built for 16-18 months. Still looks like the day it came off the showroom floor. Sorry - Got a little carried away. Maybe the irrigation system might be partially to blame and the trees shade some homes more than others. I do recall friends living in Sable Chase had an Amarillo and it needed power washed on one side. Of course it'll probably be covered by the time we return to ours. :shocked:

[arabianhorse59]

We have a manufactured home in Silver Lake. It was brought up to HUD specs in 2008 and has tie downs. We have Foremost insurance and pay around $800 a year.

[Ooper]

Why do both types of construction need to be cleaned twice a year? Is it for mildew? Thanks.

Yes!

[chuckinca]

believe stucco is once a year.