Manufactured Homes and Mobile Homes are essentially the same thing. It’s all in the date of when it was built. Prior to 1976 proper term is Mobile Home. After 1976 proper term is Manufactured Home. While most refer to these properties as Mobile Homes, after 1976 the government enacted new building standards to mobile homes and called them manufactured homes. The main difference between Manufactured Homes and Mobile Homes are their regulations. Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. These codes set minimum and maximum requirements for the construction of Manufactured Homes.
When you get an on-line mobile home insurance quote from Assurant, if you are insuring a Mobile Home, when you get to “Type of Home”, choose “Manufactured Home” which is the same as Mobile Home. They are essentially interchangeable terms.
A manufactured home is a type of prefabricated home that’s mostly built in a factory and then transported to a predesignated site for use. Prior to 1976 they were called Mobile Homes. Today technically even though properties built after 1976 are called Manufactured Homes, many people still refer to them as Mobile Homes. They are essentially interchangeable terms.
There are a lot more risks to owning a mobile home than there are for a traditional site-built home. Their life span also isn’t as long as traditional homes and they require more maintenance. For this reason, it’s much tougher to finance a mobile home.