Mobile home insurance in Georgia

Foremost, American Modern, and Progressive are three of the most popular mobile home insurance companies in Georgia.

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Mobile or manufactured homes have risen in popularity over the last few years, especially in southern states. Although mobile homes offer a more affordable alternative to traditional houses, their lower price tag doesn’t mean you should skimp on insurance. Protecting your mobile home from damage and disaster is just as important as protecting other assets, so Georgia residents who own mobile homes need to have the right insurance coverage to protect their property.

Below is a list of some of the mobile home insurance companies offering coverage in Georgia.

Compare mobile home insurance rates in Georgia

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What companies offer mobile home insurance in Georgia?

Mobile or manufactured homeowners in Georgia can choose from multiple mobile home insurance options, including Foremost and American Modern. Also, many of the largest insurance companies, like Liberty Mutual and Progressive, offer mobile home insurance as one of their coverage options.

Some other companies, like Manufactured Housing Insurance Services, only offer mobile home insurance, which may not be the best choice for people who also need other types of insurance, like auto insurance, because they won’t be able to bundle their policies.

Mobile home insurance companies in Georgia

Here are some of the most popular insurance companies offering mobile home insurance in Georgia in 2024:

American Modern

American Modern insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

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4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some Georgia homeowners.

Pros and conschevron icon

Pros

  • Insures older mobile homes — with no age restriction

  • High-deductible options up to $5,000

  • Water damage coverage included in your base policy

Cons

  • Maximum dwelling coverage is only $300,000

  • Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage

Foremost

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.

Pros and conschevron icon

Pros

  • Insures homes of any age, model, make, and value

  • Replacement cost coverage available for your home, other structures on your property, and your personal belongings

  • Trip coverage available when moving your mobile home

Cons

  • Deductible options aren’t disclosed on its website

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Progressive offers guaranteed replacement cost coverage and extended replacement cost coverage for your dwelling, plus replacement cost coverage for your belongings and seasonal home insurance if you only live in your mobile home for part of the year.

Pros and conschevron icon

Pros

  • Available in all states except Alaska and Hawaii

  • Slew of policy and discount options available

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners who have a car or other types of property to insure. It also earned an above-average rating in J.D. Power’s 2022 digital experience study, indicating customer satisfaction with Progressive’s mobile and web experience.

However, Progressive isn’t a direct insurance carrier. This means your coverage, rates, and claims experience will depend on which company it places you with. Because of this, Progressive may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company. 

Compare mobile home insurance rates in Georgia

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How much is mobile home insurance in Georgia?

The average cost of homeowners insurance in the U.S. is $1,754 per year, but Georgia homeowners insurance rates are about 11% higher than the national average. Due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage.

Ultimately, your mobile home insurance rates will vary based on a number of factors, including:

  • Where you live

  • Size of your manufactured home

  • Age of your mobile home

  • Your claims history

  • Your policy deductible amount

Mobile home insurance discounts in Georgia

Every insurance company has their own unique discounts, but here are some of the most common discounts in Georgia for manufactured home insurance:

  • Mobile home park:  If your home is located in an approved mobile home park.

  • Age of home: If you have a newer mobile home.

  • Wind-resistant features: If your mobile home has wind-resistant features, like storm windows, to help protect against tornadoes, tropical storms, and hurricanes.

  • Bundled policies: If  you bundle your mobile home insurance with another insurance policy with the same company.

  • No claims in past three years: If you’ve been claims-free for a specific number of years.

  • Association membership: If you’re a member of certain associations, like USAA, AFI, AARP, or other groups.

  • Paperless policy: If you sign up to receive your policy documents electronically.

  • Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.

  • Age of insured: If you’re age 50 or older, or retired.

Is mobile home insurance required in Georgia?

No, mobile home insurance is not legally required in Georgia. However, if you have a mortgage on your property, your lender likely requires you to have mobile home insurance in place to protect their investment.

Also, because of the risk of damage from fires and other fast spreading disasters, people living in a mobile home park may be required to purchase manufactured home insurance to live in that park.

Compare mobile home insurance rates in Georgia

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What does mobile home insurance cover in Georgia?

A standard HO-7 mobile home insurance policy comes with six types of coverage:

  • Dwelling: Covers the physical structure of your mobile home, including things like walls, windows, and the roof.

  • Mobile home extensions: Covers additional buildings or structures, including porches, garages, and other separate structures.

  • Personal property: Covers your belongings, like furniture and electronics.

  • Additional living expenses: Covers costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.

  • Personal liability: Covers your legal and medical expenses if you are found liable for damage or injury to someone else.

  • Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.

Extra coverages to consider for your mobile home in Georgia

In addition to mobile home insurance, there are other types of coverage you may want to purchase, including:

  • Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation. 

  • Hobby farming: Provides property and liability coverage related to farming activities.

  • Trip collision: Covers your mobile home in transit if you need to move it.

  • Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.

Does mobile home insurance in Georgia cover flooding?

Like all homeowners insurance policies, mobile home insurance does not include coverage for flooding. Mobile home owners who want coverage for flood damage will need to purchase a separate flood policy

Learn more >> Flood insurance in Georgia 

Compare mobile home insurance rates in Georgia

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Frequently asked questions

How much does it cost to insure a house in Georgia?

The average cost of homeowners insurance in Georgia is $1,950 per year, about 11% higher than the national average of $1,754 per year.

Is homeowners insurance required in Georgia?

No, Georgia homeowners are not legally required to have home insurance. However,  homeowners who have a mortgage are likely required to have homeowners insurance coverage by the terms of their loan. And, whether or not it is required, having homeowners insurance can protect you financially in the event of a disaster.

Why is home insurance so high in Georgia?

Gulf Coast states, like Georgia, Louisiana, and Florida, tend to pay higher rates for home insurance because they are heavily impacted by hurricanes, flooding, and other extreme weather.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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