CoverTree Secures $13 Million in Series A Funding to Revolutionize Manufactured Home Insurance Read More
 
Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Birmingham, AL

Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Birmingham: AL
Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Birmingham: AL
Costs, Coverage, and Considerations

Welcome to Birmingham, Alabama a city where the pulse of American history beats strongly amidst the rolling Appalachian foothills. Often referred to as the “Magic City” due to its rapid growth during America’s industrial age, Birmingham, Alabama, invites you on a journey through time, culture, and the indomitable spirit of a community that has risen, phoenix-like, from the ashes of its tumultuous past.

As you wander through the streets of Birmingham, the echoes of its industrial heritage resonate around you. The city, once a booming center for iron and steel production, pays homage to this legacy at the Sloss Furnaces National Historic Landmark. Here, massive blast furnaces and towering smokestacks stand as silent sentinels of an era that forged the city’s identity.

Yet, Birmingham’s story is deeply intertwined with the Civil Rights Movement of the 1960s, a narrative of struggle and triumph that continues to shape its character. The Birmingham Civil Rights Institute serves as a powerful testament to this past, offering an immersive journey through the city’s role in the fight for equality. Nearby, the hauntingly beautiful 16th Street Baptist Church and Kelly Ingram Park stand as sacred grounds, bearing witness to the resilience and courage of those who fought for justice. Beyond its historical significance, Birmingham is a city that thrives with cultural vibrancy and artistic flair. The Birmingham Museum of Art, home to a diverse collection spanning continents and centuries, reflects the city’s appreciation for the arts. The Alabama Ballet, Alabama Symphony Orchestra, and numerous local theaters contribute to a rich performing arts scene, ensuring the city’s rhythm is one of creativity and expression.

Nature’s touch graces Birmingham as well, with lush parks and green spaces offering a verdant escape from the urban sprawl. The Birmingham Botanical Gardens, a horticultural haven, invites you to wander through its themed gardens and bask in the serenity of its floral displays. Red Mountain Park, with its scenic overlooks and walking trails, offers panoramic views and a connection to the natural beauty of Alabama.

Culinary adventurers will find Birmingham a haven of Southern cuisine, infused with both tradition and innovation. From soul food to fine dining, the city’s food scene is a reflection of its diverse community and rich cultural heritage. Local breweries and coffee shops dot the landscape, offering spaces to gather, sip, and savor.

In Birmingham, the community’s heartbeat is strong and resilient. The city’s universities and medical centers are at the forefront of education and research, driving Birmingham forward as a hub of knowledge and innovation. The spirit of the city is mirrored in its people – warm, welcoming, and proud of their rich heritage and hopeful future.

Step into Birmingham and experience a city that melds the past with the present, where history’s lessons pave the way for a future filled with promise and potential. In Birmingham, every brick and beam, every story and song, is a part of the tapestry that makes this city not just a place to visit, but a place to remember and cherish.

Understanding Mobile Home Insurance in Birmingham

Understanding Mobile Home Insurance in Birmingham

General Facts about Mobile Home Insurance in Alabama:

Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average​​.

Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.

Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.

Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.

Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.

Mobile home insurance regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.

Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.

Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.

Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.

Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.

Coverage Options for Mobile Home Insurance in Alabama

Coverage Options for Mobile Home Insurance in Alabama

Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average​​.

Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.

Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.

Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.

Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.

Mobile home insurance regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.

Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.

Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.

Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.

Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.

Do I Need Mobile Home Insurance in Birmingham

Do I Need Mobile Home Insurance in Birmingham

Homeowners insurance isn’t required by Alabama state law, but your mortgage lender will likely require you to have it.

Insurance for manufactured homes in Alabama is essential and similar to traditional site-built homes, encompassing structure, liability, and personal property coverage. Despite common misconceptions, manufactured homes don’t inherently carry additional insurance risks.

However, insurance rates can vary significantly by state, often influenced by local weather patterns and natural disaster risks. In Alabama, homeowners insurance costs are above the national average, with state-specific regulations impacting policies. The Alabama Manufactured Housing Association (AMHA) has been advocating for the industry since 1968, ensuring quality and affordable housing options are available, underscoring the importance of proper insurance for homeownership.

RV Insurance in Alabama: A Guide for Outdoor Enthusiasts

RV Insurance in Alabama: A Guide for Outdoor Enthusiasts

Coverage Options for Mobile Home Insurance in Alabama:

Motorhomes need insurance since they’re driven, not towed. Towed RVs like campers may not require insurance, except when financed.

RVs require standard vehicular insurance, including bodily injury, property damage liability, and uninsured motorist coverage. Optional coverages include comprehensive, collision, and personal injury protection.

Total Loss Replacement, custom equipment, and vacation liability cater to RV-specific needs. Roadside assistance and personal effects coverage safeguard against unexpected travel incidents.

RV policies can insure personal-use RVs for up to 250 days annually. Choose from various settlement options like Agreed Value or Replacement Cost for total losses.

Look for 24/7 customer support and skilled claims teams from insurers. Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Unique Considerations for Alabama Mobile Home Insurance

Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:

Alabama law may require specific foundation standards for anchoring manufactured homes for safety and insurance eligibility.

Familiarize with Alabama’s unique regulations for manufactured homes, including titling and installation standards.

RV policies can insure personal-use RVs for up to 250 days annually. Choose from various settlement options like Agreed Value or Replacement Cost for total losses.

Look for 24/7 customer support and skilled claims teams from insurers. Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Look for 24/7 customer support and skilled claims teams from insurers. Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Implementing storm safety features can qualify homeowners for insurance discounts in Alabama.

Understanding how your manufactured home is taxed in Alabama, which can differ based on whether it’s classified as personal property or real estate.

Due to the state’s climate, regular maintenance to combat humidity and heat is crucial for preserving the home’s condition and insurance compliance.

Tips for Purchasing RV or Mobile & Manufactured Home Insurance in Alabama:

Tips for Purchasing RV or Mobile & Manufactured Home Insurance in Alabama:

  • Assess Natural Disaster Coverage: Ensure policies cover Alabama-specific risks like tornadoes and hurricanes.
  • Verify Flood Insurance Needs: Since standard policies don’t cover floods, consider additional coverage, particularly if you’re in a flood zone.
  • Understand State Regulations: Be aware of Alabama’s unique requirements for mobile home setup and anchoring, which can affect insurance eligibility.
  • Consider Liability Limits: Given the higher risks associated with mobile homes, opt for higher liability coverage.
  • Look for Wind Mitigation Discounts: Alabama insurers may offer discounts for homes with storm-resistant features.
  • Compare Replacement Cost vs. Actual Cash Value: Decide if you need coverage that pays for a new RV/home or its depreciated value.
  • Check Zoning Laws Compliance: Ensure your mobile home meets local zoning and installation laws, which can impact insurance.
  • Document Personal Property: Keep an inventory of personal belongings in your RV/home for accurate personal property coverage.
  • Plan for Maintenance: Regular maintenance can prevent issues that might lead to insurance claims.
  • Work with Specialized Agents: Seek agents experienced in non-traditional home insurance for tailored advice and coverage options in Alabama.

Choosing the Right Mobile Home Insurance for Birmingham, AL

Weather and Environmental Risks:

Choosing the Right Mobile Home Insurance for Birmingham, AL

  • Description: Birmingham is experiencing an increasing number of hot days, with temperatures expected to rise significantly in the coming decades. This includes extreme heat waves that can last several days.
  • Implications for Mobile/Manufactured Homes and RV Owners:
    • Increased Cooling Needs: Mobile homes and RVs may require more energy for cooling, leading to higher utility bills.
    • Vulnerability to Heat: These homes often have less insulation, making them more susceptible to internal temperature fluctuations.
    • Health Risks: Residents may face higher risks of heat-related illnesses, necessitating access to cooling centers or alternative accommodations during extreme heat waves.

  • Description: Birmingham is projected to experience an increase in extreme precipitation events, leading to higher risks of flooding.
  • Implications for Mobile/Manufactured Homes and RV Owners:
    • Flood Damage: Mobile homes and RVs are particularly vulnerable to flood damage, which can be catastrophic.
    • Evacuation Challenges: In flood-prone areas, timely evacuation can be more challenging for mobile home communities.
    • Insurance and Recovery: Adequate flood insurance is crucial, as recovery from flood damage can be more difficult for these types of homes.

  • Description: While the current water stress in Birmingham is moderately low, there is a significant risk of drought due to climate change.
  • Implications for Mobile/Manufactured Homes and RV Owners:
    • Water Scarcity: Drought conditions can lead to water restrictions, affecting everyday living.
    • Fire Hazard: Drought increases the risk of wildfires, particularly for homes located near wildland areas.
    • Landscaping and Agriculture: Residents may need to adapt landscaping and gardening practices to cope with less water availability.

  • Stay Informed: Regularly check local weather forecasts and have a plan for extreme weather conditions.
  • Emergency Preparedness: Maintain an emergency kit with essentials like water, non-perishable food, medications, and a battery-powered radio.
  • Community Resources: Know the locations of nearby shelters, especially during high-risk weather events.
  • Insurance: Review and update insurance policies to ensure adequate coverage for weather-related risks.
  • Structural Reinforcements: Consider investing in weather-resistant modifications to strengthen the structural integrity of mobile/manufactured homes and RVs.

Residents of Birmingham, AL, particularly those in mobile/manufactured homes and RVs, should be proactive in preparing for the increasing risks of extreme heat, heavy precipitation, and potential drought conditions. Staying informed, being prepared for emergencies, and adapting to the changing climate are key to ensuring safety and resilience in the face of these weather challenges.

Crime Rates:

Crime Rates:

  • Rate: Extremely high, ranking among the top in the nation.
  • Types of Crime: Includes murder, non-negligent manslaughter, armed robbery, rape, and aggravated assault.
  • Risk of Victimhood: 1 in 49 chance of being a victim of violent crime.
  • Murder Rate: Particularly high compared to national and state averages

  • Prevalence: Major concern in Birmingham.
  • Types of Crime: Encompasses burglary, larceny, motor vehicle theft, and arson.
  • Risk of Victimhood: 1 in 18 chance of encountering property crime.
  • Motor Vehicle Theft: Extremely high rate, with a 1 in 96 chance.

  • Overall Crime Rate: 77 crimes per one thousand residents.
  • Comparison with Alabama: Higher than over 98% of communities in Alabama.
  • National Context: Classified among the top 100 most dangerous cities in the U.S.

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in Birmingham, AL, looking for mobile home insurance

Alabama Wildlife and RV Safety

1) Be cautious of wildlife when camping in Alabama.
2) Store food securely to avoid attracting animals.
3) Know what to do if you encounter wild animals near your RV.

Mobile Home Skirting Benefits and Insurance

1) Install skirting to protect your home's underside.
2) Understand how skirting impacts your insurance.
3) Regularly inspect and maintain your skirting.

Understanding Liability Coverage for RVs

1) Know the extent of your liability coverage in case of accidents.
2) Consider additional liability insurance for peace of mind.
3) Familiarize yourself with situations where you might be liable.

Insurance Tips for Older Mobile Homes

1) Learn about special policies for older mobile homes.
2) Regular maintenance can reduce insurance costs.
3) Update safety features to comply with current standards.

RV Winterization Guide for Alabama

1) Protect your RV from Alabama's winter conditions.
2) Follow a checklist to winterize your RV properly.
3) Don't forget to adjust your insurance for off-season storage.

Storm Anchoring Systems for Mobile Homes

1) Secure your home with the right anchoring system.
2) Understand local codes for storm anchoring.
3) Regularly inspect and maintain your anchoring system.

Alabama Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Alabama:

Alabama Mobile Home Facts

Based on the 2017 American Community Survey by the U.S. Census Bureau, Alabama has 305,749 mobile homes, making up 13.5% of the state’s total housing. Walker County has the highest percentage of mobile homes at 31.5%.

The presence of mobile homes varies by county, with the lowest being Jefferson County at 2.7% and others like Cullman County and St. Clair County had significantly higher percentages at 27.4% and 28.0% respectively. These figures highlight the importance of mobile homes in Alabama’s housing landscape.

In Alabama, the ten counties with the highest percentage of mobile homes, as per the 2017 American Community Survey, are as follows:

  • Walker County: Leads with 31.5% of homes being mobile.
  • Cullman County: Follows closely with 27.4% mobile homes.
  • St. Clair County: Has a substantial 28.0% mobile homes.
  • DeKalb County: Reports 21.9% of homes as mobile.
  • Talladega County: Features 20.7% mobile homes.
  • Lee County: Contains 17.0% mobile homes.
  • Calhoun County: Accounts for 15.8% mobile homes.
  • Houston County: With 12.9% of the housing stock being mobile.
  • Limestone County: Holds 12.8% mobile homes.
  • Morgan County: Completes the list with 10.2% mobile homes.

Analyzed large data pockets and were able to discern some interesting statistics about mobile homes and communities in the state:

  • The average price of a pre-owned mobile home is around $60500.
  • The average model year of a pre-owned manufactured home is 2010.
  • The average pre-owned home size is 1597 square feet.
  • The average sites in a manufactured home community stands at roughly 66.
  • The average year a mobile/manufactured community was developed is 1982.
  • There are 25 age-restricted communities and 567 all-age communities.

Mobile and Manufactured Home Insurance Statistics in Alabama:

Here’s what you need to know about registering your home sweet mobile home in good ole’ Alabama:

You’ve got 30 days to register it—don’t miss this, or you might get hit with a $10 penalty and a $15 citation fee. Ouch! And if you end up in court without your manufactured home decal, fines could soar up to $500 or even land you a short stay in the county jail.

Here’s the deal on where to register:

Register with the Tax Assessor’s Office if your name’s on both the home and the land titles. Bought them as a package? You’re in luck—no sales tax! Living there yourself? Claim your homestead. Have family staying over? It’s a bit more in taxes, but still a sweet deal. Any confusion? Just call the Tax Assessor at 256-532-3350 for a chat.

Head over to the License Department if you own the home but not the land, or if you’re renting it out. Remember, you’ve got to cover the sales tax and title fee if it’s a 1990 model or newer from out-of-state. Mark your calendar! Registration ends on September 30 each year, and renewal time is from October 1 to November 30.

Don’t forget the Bill of Sale. Alabama dealers take care of sales tax, but out-of-state purchases need sales tax paid at the License Department. And don’t try the old “$1 Bill of Sale” trick—it won’t fly here!

If your manufactured home is a 1992 model or newer, you need a title. Alabama dealers will sort this out for you, but if you’re buying from an individual, you’ll need to sign off on the title with the License Department.

Before you hit the road, grab a move permit for $10. It’s good for 14 days per module, and make sure your taxes or registration fees are all clear. Without it, you’re looking at a class C misdemeanor and at least a $50 fine.

Check with local inspection departments for any setup fees in the area where you’re laying down roots.

  • Registration: $24 for a single-wide, $48 for a double-wide or larger.
  • Commercial (Rental): $48 for a single-wide, $96 for a double-wide or larger.
  • Decal Issuance Fee: $5.75 each.
  • Title Fee for Manufactured Homes: $23.75 each.

You can make it officially part of your property. Just match up the names on the home and land titles, and send in an application with all the right paperwork to the Department of Revenue. If you ever decide to move your home, you’ll need to get a new title. And if your home is a vintage model over 20 years old, no title needed! Just so you know, this doesn’t necessarily mean your home is considered real estate in all legal situations, but it does for tax purposes.

Know Your Rights

Know Your Rights

References

References

Texas

Michigan

New Mexico

Alabama

Georgia

South Carolina

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

Copyright © 2022 CoverTree Inc. All rights reserved

×