5 Lies About Prefab Barndominium
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00:53 “Prefab Homes are a NIGHTMARE to Insure!”
01:57 “Prefab Homes DON’T Hold Their Resale Value!” / "Prefab Barndominiums Depreciate IMMEDIATELY After They’re Built!"
03:20 “Prefab Homes and Barndominiums Won’t Work With My HOA.”
04:08 “Prefab Homes/Barndominiums are Cheaply Made to Be ‘More Affordable’!” -
05:25 “It’s IMPOSSIBLE to Finance Prefab Homes and Barndominiums
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1. “Prefab Homes are a NIGHTMARE to Insure!” - The truth is - it’s no more complicated than any other traditional home... It’s just a little different than you might be used to. This usually comes from the understanding that manufactured homes are more difficult to insure, and the insurance is generally a bit more expensive. You’re not typically able to insure them while they’re being transported, built, set, and finished - but the coverage are the same as traditional homes. This includes dwelling and personal property coverage and liability protection; HO-3 policies are the most common type, which are all-risks coverage for the home; they cover your home at its replacement cost and your personal property at cash value. These protect against any losses that are not explicitly excluded. This is pretty all-encompassing, but you can always customize your policy - even with quirky, off-beat homes like these. The bottom line is that they aren’t a nightmare - you might just have to parse through a little more paperwork than you’re used to.
2. “Prefab Homes DON’T Hold Their Resale Value!” / "Prefab Barndominiums Depreciate IMMEDIATELY After They’re Built!" - So, the actual term “Prefabricated home” is where this myth came from-at least, the strange, "lesser" vibe that the term comes with. Whether or not it was true when the term first came into the general lexicon is unclear; it’s definitely not true now - and likely hasn’t been true any time since the mid-90s, to be frank. With insane tech-based advancements in construction and building, prefabricated is the build process to beat. These components are built and constructed in temperature-controlled environments and can go up in as short as weeks, if not just days. These homes are, in turn, built with high-quality, top-grade materials, meaning they stand the test of time. People who say this have a mindset where they’re stuck in the past-they don’t realize just how much prefab homes and barndominiums can really stand to offer and just how strong these off-beat and interesting options truly are in a sea of bland, cookie-cutter dwellings. People like new - and that's probably why you're looking into barndominiums, to begin with... right? A fresh take, a fresh start - all your own, in style, build, and more.
3. “Prefab Homes and Barndominiums Won’t Work With My HOA.” - The truth is, every HOA and HOA leader is a little different. There’s no hard-and-fast rule regarding whether or not HOAs will allow “prefabricated homes.” However, many places will allow you to have one if it's built on-location rather than shipped in pre-built, while others simply require you to place the home on a foundation. Checking with your individual HOA rules and guidelines will make this a straightforward process - and if there isn’t anything outlined, it never hurts to ask! Prefab barndominiums come in all shapes, sizes, and styles-meaning even the pickiest of HOAs could also work for your new home. With the right coat of paint, an add-on garage, and a solid foundation... Anything is possible.
4. “Prefab Homes/Barndominiums are Cheaply Made to Be ‘More Affordable’!” - Nobody wants a “cheap” home - less, sure, but cheap? This makes it sound like it’s made using subpar materials, making it cheap to buy - but they don’t last. The thing is, often, due to the streamlined nature of these builds, they can be built with higher-grade material and constructed quickly with less labor, causing costs to be lower. They aren’t “cheap” in the way you might want to think - they’re less expensive than their “traditional” home counterparts, costing roughly 10-35% less than a regular or more 'traditional' home build - for a lot of reasons, but often its simply because they're streamlined and straightforward to produce.