I am too scared to use themI am afraid they will catch fire in the middle of the night. I know I need help.
Any mobile home will cost more to insure and Foremost almost has the market locked up. The only exception to this, basically is that if you buy a modular home with 2X6 construction, a pitched roof, and sheet rock interior, and you place it on a permanent foundation then some insurance companies will insure the home the power company places their meter on the side of the home instead of normally on a telephone pole, as is normally the case with most trailers/double wides. Foremost in most cases is charging ten times what it did twenty years ago and normally they dont cover certain acts of God (flood, tornadoes, etc). Face it, they have you in their clutches when you buy a mobile.
I don't know about Australia but in the UK and the Netherlands, the water supply for fire engine hoses is kept under a small manhole cover in the pavement (sidewalk). In the UK, this is marked by an 'H' sign:
My apt heat is electric wall heaters. I have an inside entrance door and the hall is heated, everything, stove, nuke, hotwater, lights, tv etc usually on a really cold month is $19 and some months only $12. I keep my bedroom door closed and do not turn the heat on in there. I also usually boil down a large pot of water each morning. It puts moisture in the air and I have a bathroom heater with a blower that I sometimes use to take the chill off and I wear a warm shirt most of the time.