Only downside is tornadoes, hail storms and when you live in them.

Building advantages: Substantial savings vs continuously poured foundationMuch less framing material needed due to post frame designLarge wall cavities permit insulation of R30-R40 in the walls and R50-R60 in the ceilingRadiant flooring can be economically installedLeads to very high energy efficiency with utility savings of 20-40%Conservation of building material, reduced energy usage, and minimized disturbance of soil all contribute to "green" aspectVery rapid build time of 45-60 daysCan build through winter with no issues (slab can readily be poured inside framed home)Metal roofs are highly resistant to hail damage, and insurance cost is normally lessExterior is 100% maintenance free and will last for decadesStructure design has very high resistance to damage from wind, seismic, and snow loads (superior to stick-built)Free-span structure facilitates open interior spaces, cathedral ceilings, and stylish loftsExterior can be accented with stone, brick, and other materialsStylistic external use of masonry accents, dormers, gables, and waitscoting provides attractive appearanceMaintenance free aspects and one-level living could be very appealing to seniors who are downsizing, particularly in structured communities with some common walking areas or other inexpensive amenities.So there's some more color.

At least inside.As my mother was from Trinidad...And the lady she hails from TrinidadIsland of the spicesSalt for your meat, and cinnamon sweetAnd the rum is for all your good vices -- Jimmy Buffet

Where abouts do you hail from?

It covers loss of rent at fair market, wind and hail, and just about anything I could think of.I was talking with a representative from Amica and they quoted me a fire policy that covered me for the same rebuild amount, but without all of the extra coverage’s.

As the title says, I hail from Boston (born and raised), I'm 29 years old, and I work as a Product Manager in the ad/tech space.

We had a hail storm move through the area last Saturday.

My quote through @Tim Norris 's company has an $1,800 premium with a $10,000 deductible for Named Storm Damage (eek) which also applies to any wind/hail damage at all when NS coverage is chosen (this makes me nervous).

@Brian Gibbons used to hail from that area, so he'll be a great avenue of resources...The bottom line is this...starting off..there is one main concern you have...You need ZERO risk..or as close as possible...If you are new, and limited money..you don't want to rehab a house...you don't want to use hard money to buy something you know nothing about...you don't want to borrow money...Lease Options as well as wholesaling give you a great insight into the thought processes and strategies of the market and the cash buyers.And you risk no money.Outside of advertising.You also don't want to do a sandwich lease option, or IMHO a Sub-2 starting off.It only takes one SLO or Sub-2 starting off to screw you up and you run away from real estate hoping to get back on track financially, and you lose weeks of sleep and turn to vodka or late night TV...yikes!

In 2013 I had two claims at two different rental properties of mine for hail damage.