Specialized insurance can cover the full replacement value of the home in case of severe damage. Unlike manufactured homes, modular homes can be built with multiple stories. In some areas like Texas, zoning laws limit where mobile homes can be placed, affecting affordability and availability. Modular companies use social media to showcase modern designs and attract younger buyers in Texas.
Some modular home companies partner with insurers to offer comprehensive coverage for new homes. They’re often built to the HUD (U.S. Department of Housing and Urban Development) code, which includes standards for safety, energy efficiency, and construction.
Some nonprofit groups and cooperatives offer affordable mobile home living in organized communities. Since modular homes are built concurrently with site preparation, build times are much shorter. Many modular businesses focus on sustainability, modern design, and speed in their marketing campaigns. Once on-site, modular homes undergo local inspections to ensure compliance with local building codes. Manufactured homes must meet HUD standards that cover design, durability, fire resistance, and energy efficiency.