My premium nearly doubled because it's a manufactured house and it crossed the 25 year old line.
this post was submitted on 17 Jul 2025
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What is a manufactured house? Sorry for the ignorance I’m not familiar with the term. Sorry that happened to you.
You've got nothing to be sorry about! Manufactured homes are built at a warehouse and then are trucked to the property where they're installed. They're built slightly better than mobile homes, but are built fairly similarly. They can come in multiple pieces such as mine that would be referred to as a double wide due to it being two pieces.
They don't follow normal building codes, and in the US they follow HUD codes. HUD codes tend to be much looser. For example the trusses that hold up my roof are really crummy 2x2s that you couldn't use on a regular built house.
The idea is suppose to be cheaper housing, but like pretty much everything geared towards helping the poor in this shit hole they're traps. They're still not very cheap, and they're poorly made. Meaning they'll start to fall apart after a couple of decades. I was lucky enough to be born into a poor but handy family so I can fix my turd of a house as issues come up, but the insurance company doesn't care that I rebuild things beyond code when I can.
Here's a factory: https://youtu.be/jm2SbE9YuEA
Here's an install: https://youtu.be/81WBC6_sahU
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Yes my car insurance jumped $100 the minute I paid off my car.
I've found that this is usually a "staying with a single insurance provider" problem. I usually end up switching every two years or so, but I check everytime my six month renewal comes up. I've found that my premiums pretty consistently go down so long as I keep looking around. The last few times I switched from geico to progressive then back to geico, and the cost went down each time I switched.
Fun fact. At the last call to make sure my insurance was switched over properly, I had the csr angrily explain that in order to get the same affect, all I had to do was ask for a reevaluation of my policy. It turns out that the automated systems that send out your new price every renewal don't do a good job of adjusting the premiums down and you're supposed to ask a person at the company to review things if you don't like the automatic price.
I plan on continuing my personal policy of switching providers every few years anyways. I'd rather have the new customer prices than deal with a person on the phone going through every option to see if the new price is actually better or worse than the competitors offers.
I had the csr angrily explain that in order to get the same affect, all I had to do was ask for a reevaluation of my policy
"If it's hurting your customer retention, it sounds like you stupid fucks need a reevaluation of your pricing policy"
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Not saying the UK has it right (cos we definitely don't) but the 'loyalty penalty ban' has really helped.
You can't be charged more for staying with an insurer than if you were a new customer.
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Credit score in Murica is the dumbest thing I've ever heard. You'd think your credit score would be high if you always paid everything in time, were never late and never penalized. Instead you only have good credit score if you're perpetually in debt. Wtf?
Think of it as a profitability index rather than a diligence index, and it will make more sense.
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just paid all credit cards to zero, FICO 8 went up 16 point, FICO 9 went down 15 points 🤷
Got a new car loan.
20 points up.
When I was a a young adult, I got a new credit card. The credit check dinged me for 10 points.
When I asked why, and how I can fix it, the credit card company support person said, "Just carry some debt."
Its a ridiculous system.
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