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.
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:
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.
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