Generally, metal homes can be lighter in warranties and protection compared to traditional houses. Since metal is a noncombustible material, it has lower risk hazard, which means it is more favorable in the eyes of insurance companies.
Metal buildings can also withstand heavy elements and even disasters such as hurricane, tornado, and sandstorm. If you buy a metal home from a trusted manufacturer, your house will earn “approval stamp” from the specially appointed engineer.
It means that all aspects of your home have been inspected, which reduce further risk of hazards. An official quality proof from the manufacturer will help you securing lower rate for insurance. Metal homes also have long-term warranties. Typically, a prefab metal home in the US gets around 20-year warranties for the roof, 40 years for paint, and 50 years for the primary structural system.
This is something that you will not always get from regular house building, especially if you have low real-estate and insurance budgets. To make sure that your house is well-covered, discuss with several insurance companies about their willingness to protect your metal home. It will be better if you can find an exclusive insurance company that offers a package for prefab metal homes.