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Protect Your Manufactured Home in Americus, GA

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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 Americus, GA : Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Americus, GA : Costs, Coverage, and Considerations

Welcome to Americus, Georgia – a city where Southern charm melds with a captivating history, offering visitors an authentic glimpse into a bygone era. Nestled in the heart of Sumter County, Americus beckons with its picturesque landscapes, preserved architecture, and a strong sense of community.

Americus traces its roots back to the mid-19th century when it was established as a railroad town, thriving on the agricultural bounty of the surrounding countryside. Today, the city stands as a testament to the vision and resilience of its early settlers, who transformed a humble settlement into a vibrant community.

Begin your journey through Americus’ past by stepping into the enchanting Historic District, where stunning examples of Greek Revival, Victorian, and Queen Anne architecture line the streets. Take a leisurely stroll and admire the meticulously restored buildings, as they evoke the grandeur of a bygone era. Visit the Americus Visitor Center, housed within the beautifully preserved Windsor Hotel, which has welcomed distinguished guests like Franklin D. Roosevelt, Al Capone, and even Elvis Presley.

Immerse yourself in the rich history of Americus by exploring the remarkable sites that shaped the city’s identity. Pay a visit to Andersonville National Historic Site, a somber reminder of the Civil War era. Here, you can witness the haunting remains of the Confederate prisoner-of-war camp, where thousands of Union soldiers were held captive. The National Prisoner of War Museum offers a poignant tribute to the sacrifices made during this tumultuous period.

Venture further into Americus’ past with a visit to the Habitat for Humanity Global Village & Discovery Center. This immersive experience provides insight into the extraordinary work of this renowned organization, which originated in Americus. Gain a deeper understanding of their mission and explore the replica homes that reflect the diverse housing needs of communities around the world.

For nature enthusiasts, the Plains Wildlife Management Area, located just outside Americus, entices visitors with its serene beauty. Roam through the winding trails, pausing to listen to the melodies of birds and the whisper of wind through the towering pines. Engage in bird watching, fishing, or simply find solace amidst the tranquil surroundings.

Indulge in a taste of Americus’ culinary delights by dining at local eateries that marry Southern flavors with innovative twists. Savor mouthwatering delicacies, such as pecan-crusted chicken, shrimp and grits, or classic Southern-style barbecue. Don’t forget to treat yourself to a scoop (or two) of homemade pecan ice cream, a local favorite.

Americus’ welcoming community and exceptional quality of life make it an ideal place to call home. The city exudes a warm and friendly atmosphere, offering affordable housing options, top-rated schools, and a vibrant cultural scene. Its central location, just 130 miles south of Atlanta, allows residents to enjoy the best of both worlds – the conveniences of urban living and the tranquility of small-town life.

For those seeking a mobile lifestyle, Americus caters to the needs of RV enthusiasts and homeowners of all types. The city is home to RV parks and communities that offer amenities and facilities specifically designed for comfort and convenience. Experience the freedom of the open road as you explore the local attractions and natural wonders of the area.

Hidden gems await those who venture off the beaten path in Americus. Did you know that the city boasts the second-largest collection of gypsum cornices in the United States? Take a moment to admire the intricate details of these architectural wonders camouflaged among the historic buildings.

Welcome to Americus, Georgia – a city where time seems to stand still, inviting visitors to immerse themselves in its captivating past and vibrant present. Discover the legacy of a community shaped by generations of hard work, resilience, and a deep sense of togetherness. So step into Americus, Georgia, and be embraced by the warmth, heritage, and charm that define this remarkable city.

Understanding Mobile Home Insurance in Georgia

In Georgia, while homeowners insurance is not mandated by law, lenders typically require it for financed properties, including mobile and manufactured homes. A standard policy generally includes coverage for the dwelling itself, other structures on the property, personal property within the home, and liability protection.

Understanding Mobile Home Insurance in Georgia

  • Detached structures on your property, such as a carport or garage
  • Your personal belongings
  • Living expenses if your home is seriously damaged by a covered loss
  • Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).

Mobile and manufactured homes are not eligible for coverage under a standard homeowners insurance policy (H0-3) so you will need a special policy built specifically for mobile homes.

  • Treating manufactured homes as personal property until they meet specific criteria to be considered real property.
  • Excluding mobile homes from real property coverage in insurance policies unless they are permanently affixed to the property and meet other statutory requirements.
  • Requiring a Certificate of Permanent Location to be filed for the mobile home to be insured as part of the real estate.
  • Ensuring that the manufactured home and the land have common ownership and that the home is taxed in conjunction with the land.
  • Confirming the surrender of the Certificate of Title for the home when it is considered real property.

These guidelines must be strictly followed to provide policy coverage or delete the manufactured home exception in insurance documents.

  • Covers the structure, personal property, liability, medical expenses, detached structures, and replacement costs.
  • Policies may include transportation from the building site to the permanent site.
  • Excludes flood damage; separate flood insurance is required.

  • Discuss with an agent to ensure appropriate coverage for potential severe weather damage.
  • Consider additional coverage for valuable personal items.
  • Inquire about discounts for installing safety features.

Example of a Manufactured/Mobile Insurance Policy Structure:

Example of a Manufactured/Mobile Insurance Policy Structure:

  • Coverage A (Mobile Home): For the home and attached structures, with limits varying by carrier.
  • Coverage B (Other Structures): Standard 10% of Coverage A.
  • Coverage C (Personal Property): Typically 30-50% of Coverage A.
  • Coverage D (Loss of Use): Daily amounts or a percentage of Coverage A.

  • Coverage E (Personal Liability): Ranges from $25,000 to $100,000, with options for higher coverage.
  • Coverage F (Medical Payments to Others): Usually between $500-$1,000 per person.

Make sure that you get  the right coverage for your manufactured/mobile home, as it is crucial for protection against accidents or damage!

Do I Need Mobile Home Insurance in Georgia?

Do I Need Mobile Home Insurance in Georgia?

Not necessarily BUT, owners of mobile or manufactured homes, as well as RVs, are advised to obtain insurance to protect against risks specific to these types of properties.

You need insurance policies that cover the structure, personal property, liability, and possibly additional living expenses in case the home is uninhabitable temporarily.

For manufactured homes that are considered personal property, a physical damage policy is essential, whereas those classified as real property might require a standard homeowner’s policy with special endorsements like the ALTA 7 series.

RV owners should consider policies that cover both the vehicle aspect and the living quarters. Completing the Certificate of Permanent Location is crucial for manufactured homes to qualify for certain types of coverage. It’s advisable to get these policies to safeguard against natural disasters, theft, damage, and liability issues that are inherent in owning and living in these types of homes.

Georgia Mobile Home Insurance Costs Explained

Georgia Mobile Home Insurance Costs Explained

Additionally, due to the transportable nature of mobile and manufactured homes, owners may need specialized policies that consider the unique risks associated with these types of homes, such as their vulnerability to weather events.

Considering Georgia’s climate, coverage for severe weather damage is crucial. Furthermore, for homes near bodies of water, separate flood insurance is recommended due to the high risk of flooding.

Discounts on policies may be available through various qualifiers, like having an alarm system or bundling multiple insurance policies. The cost of these insurances will vary based on factors such as location and the home’s specifications.

For rental properties, landlord insurance is available to protect the investment. Notably, Georgia is home to many historical residences, and special considerations may need to be taken for these homes regarding insurance.

  • In areas prone to wind-related events, standard policies might not cover wind and hail damage, necessitating a separate windstorm policy or endorsement.
  • Georgia policies may have separate wind/hail or hurricane deductibles as a percentage of dwelling coverage.

  • Installing features to withstand high winds can lead to discounts between 5% and 10% on the wind portion of the insurance.

  • The Georgia Underwriting Association offers coverage for high-risk homeowners who struggle to find standard insurance, though it may be more costly and less comprehensive.

  • Due to the risk of hurricanes, those near the coast or high-risk flood zones should get separate flood insurance.

  • Average mobile home insurance costs between $300 and $1,000 annually, varying based on multiple factors and reports.
  • Discounts may be available for security systems, memberships, or bundling policies.
  • Opting for higher deductibles can reduce premiums.

RV Insurance Facts in GA :

RV Insurance Facts in GA :

Coverage Options for Mobile Home Insurance in GA:

Georgia ranks 14th in the U.S. for high RV insurance premiums, averaging $1,235 annually. This is likely due to the state’s susceptibility to natural disasters like hurricanes and tornadoes, increasing the risk of RV damage.

Georgia mandates higher liability insurance for RVs than some states, requiring coverage of $25,000 per person and $50,000 per accident for both bodily injury and uninsured motorist coverage.

RV insurance typically encompasses liability, comprehensive, and collision coverage, as well as under/uninsured motorist protection. Additional options like personal property and roadside assistance are available, especially beneficial for full-timers.

The state’s minimum insurance requirements for RVs include: Bodily injury liability: $25,000 per person Bodily injury liability: $50,000 per accident Property damage liability: $25,000 per accident

Given Georgia’s weather risks, comprehensive coverage, which includes protection against natural disasters, is crucial for RV owners, particularly in areas like Albany known for tornadoes.

Insurance rates can vary based on the RV class, with Class A motorhomes generally incurring higher premiums due to their value and repair costs.

Customized campers should be insured initially, with detailed records kept during renovations to ensure adequate coverage reflecting the RV’s updated value.

Insurance needs differ for full-timers, who might need a policy akin to homeowners insurance, versus recreational users, who may benefit from added vacation liability coverage.

Unique Considerations for Georgia Mobile Home Insurance!

In Georgia, mobile home insurance is shaped by the state’s geographical and climatic conditions. With a higher risk of severe weather events like hurricanes and tornadoes, particularly along the coast, insurers may require specialized coverage or endorsements for windstorm damage.

Given the state’s topography, owners may need to consider additional flood insurance, especially if located in FEMA-designated flood zones or near bodies of water.

Georgia’s specific requirements for liability coverage levels also influence mobile home insurance policies, potentially leading to higher premiums compared to other states. Mobile homeowners must navigate these unique factors to ensure they have comprehensive protection tailored to Georgia’s landscape and regulatory environment.

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

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

  • Assess Risks Specific to Georgia: Understand local weather patterns and natural disaster risks, such as tornadoes or hurricanes, to ensure your policy covers these events.
  • Check Windstorm Coverage: Ensure your policy includes windstorm insurance, particularly if you’re in a high-risk area along the Georgia coast.
  • Consider Flood Insurance: Given Georgia’s hurricane history, a separate flood insurance policy might be necessary, especially if your home is near water bodies or in flood-prone zones.
  • Review Liability Requirements: Georgia has specific liability coverage requirements for RVs; verify that your policy meets at least the minimum state requirements.
  • Opt for Comprehensive Coverage: For full protection, consider a comprehensive policy that covers both collision and non-collision-related incidents.
  • Understand Deductible Provisions: Familiarize yourself with how deductibles work, particularly for wind/hail, which may be different from your standard deductible.
  • Investigate Georgia FAIR Plan: If you’re having difficulty obtaining insurance due to high risks, explore the Georgia FAIR Plan as a possible alternative.
  • Inquire About Discounts: Ask insurers about discounts for safety features or for bundling your RV insurance with other policies.
  • Secure Personal Property: If your RV or mobile home contains valuable personal items, consider additional coverage for these assets.
  • Consult with Local Experts: Speak with insurance agents who are experienced with Georgia’s insurance landscape to get the best advice and coverage options tailored to your specific needs.

Choosing the Right Mobile Home Insurance for
Americus, GA

Choosing the Right Mobile Home Insurance for
Americus, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: Americus, Georgia, is located in an area prone to tornadoes and severe weather, which can cause significant property damage, power outages, and personal injury.
  • Data:
    • Americus falls within a region known as Tornado Alley, where tornadoes are more likely to occur.
    • Tornado activity is most common during the spring and early summer months.

Tips for mobile homeowners and RV owners during tornadoes and severe weather:

  • Have a plan in place for severe weather events, including designated shelter areas and emergency supplies.
  • Monitor weather forecasts and warnings closely and be prepared to take immediate action if a tornado warning is issued.
  • If you’re living in a mobile home or RV, consider seeking shelter in a nearby sturdy building or designated storm shelter during tornado warnings.
  • Secure any outdoor objects or furniture that could become projectiles during high winds.

  • Description: Americus, Georgia, is susceptible to flooding due to heavy rainfall and its proximity to bodies of water, which can lead to property damage, road closures, and safety hazards.
  • Data:
    • Americus receives an average annual rainfall of approximately 49 inches.
    • Heavy rainfall events are more common during the spring and summer months.

Tips for mobile homeowners and RV owners during flooding and heavy rainfall:

  • Avoid parking your mobile home or RV in low-lying areas or near bodies of water that are prone to flooding.
  • Be aware of flood-prone roads and areas when planning your travel routes.
  • Have an emergency plan in place and be prepared to move your mobile home or RV to higher ground if flooding becomes imminent.
  • Keep your important documents and valuables in waterproof containers or bags within your mobile home or RV.

  • Weather, which can lead to dangerous heatwaves, drought conditions, and increased risk of wildfires.
  • Data:
    • Average summer temperatures in Americus typically range from the mid to high 90s Fahrenheit.
    • Drought conditions can occur during any time of the year but are more common during the summer months.

Tips for mobile homeowners and RV owners during extreme heat and drought:

  • Ensure your mobile home or RV’s air conditioning system is in good working condition and can effectively cool the space.
  • Park your mobile home or RV in shaded areas when possible to reduce heat absorption.
  • Stay hydrated by drinking plenty of water and limit strenuous physical activity during the hottest parts of the day.
  • Follow local guidelines and restrictions regarding fire safety, including campfire regulations, to help prevent wildfires.

Remember to stay informed about local weather conditions, heed advice from authorities, and take necessary precautions to protect yourself and your property during weather hazards in Americus.

Crime Rates:

Crime Rates:

  • Americus has one of the highest crime rates in America compared to all communities of all sizes.
  • The chance of becoming a victim of either violent or property crime in Americus is 1 in 20.
  • Over 95% of communities in Georgia have a lower crime rate than Americus.

  • Americus has a very high combined rate of violent and property crime compared to other places of similar population size.

  • Americus has one of the highest rates of violent crime in the nation among communities of all sizes.
  • Violent offenses tracked include rape, murder, armed robbery, and aggravated assault.
  • The chance of becoming a victim of one of these crimes in Americus is 1 in 86.
  • Americus experiences a high murder rate compared to cities and towns of all population sizes.

  • Property crime is prevalent in Americus.
  • Property crimes tracked include burglary, larceny, motor vehicle theft, and arson.
  • The chance of becoming a victim of a property crime in Americus is 1 in 26, with a rate of 38 per one thousand population.

  • Violent crime rate: 1 in 86 residents
  • Property crime rate: 1 in 26 residents

  • Secure your property: Take extra precautions to secure your mobile home or RV in Americus. Install strong locks, a security system, and consider using additional measures like wheel locks or hitch locks.
  • Join a community: Consider staying in a mobile home park or RV community where there is a sense of community and neighbors can watch out for each other’s properties. This can help deter potential thieves and enhance overall safety.

Additional Tips:

Additional Tips:


Check the air pressure and condition of vehicle tires regularly. Inspect the brake system and change the brake fluid as needed. Keep your mobile home or RV through the manufacturer's recommended service schedule.


Follow the speed limit and traffic regulations in each state or country you visit. Drive defensively and plan ahead when towing your RV or mobile home. Use a rearview camera, GPS, or other devices to increase visibility and awareness.


Inspect your mobile home or RV regularly for damage or wear. Keep the exterior and interior of your home or RV in good repair. Check the foundation and support system for signs of wear or cracks.


Ensure your insurance policy covers specific risks in Georgia, such as hurricanes. Consider purchasing flood insurance if your mobile home is located in a flood-prone area. Review your policy limits and deductibles to ensure you have adequate coverage.


Implement wind-resistant features such as impact-resistant windows and reinforced doors. Install hurricane shutters or plywood panels to protect windows during severe weather. Document windstorm mitigation measures to potentially qualify for insurance discounts.


Evaluate your flood risk based on the location of your mobile home. Purchase flood insurance through the National Flood Insurance Program (NFIP). Understand the coverage limits and exclusions of your flood insurance policy.

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Are you in Americus, GA, looking for mobile home insurance

Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

Georgia Mobile Home Facts

  • 11% of homes in Georgia are mobile or manufactured.
  • These homes are a cost-effective alternative to traditional homes.

Types of Mobile Homes:

Types of Mobile Homes:

In Georgia, every installer of manufactured and mobile homes must report each installation to the state’s Manufactured Housing Section within the Safety Fire Division three days before the installation is complete and the home is ready for occupancy.

In Georgia, any installer working on a manufactured or mobile home must buy a permit from the Commissioner before starting the job.

Georgia Coastal Property Insurance
Pool - FAIR Plan

The Fair Access to Insurance Requirements (FAIR) Plan serves as a crucial safety net for property owners who find themselves unable to secure traditional insurance due to the high-risk nature of their homes. The Georgia Underwriting Association (GUA) administers this plan, ensuring that everyone has a fair chance at obtaining necessary coverage.

The GUA operates as a residual market, providing insurance solutions that may not be readily available in the private market. This association plays a pivotal role in community welfare by insuring those at higher risks, often due to geographic location or other significant factors.

A key component of the GUA’s mission is to promote property improvement and safety. Programs like the IBHS Fortified Home initiative are recognized and supported, offering credits for homes constructed to withstand severe weather conditions.

The FAIR Plan and the GUA offer Georgians a pathway to insuring homes that the private market may deem too risky. By understanding and utilizing these resources, homeowners can protect their properties and potentially reduce their insurance costs through proven mitigation efforts.

Know Your Rights:

Know Your Rights:

Finding the Best Mobile Home Insurance in
Americus, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Americus's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

Finding the Best Mobile Home Insurance in
Americus, GA.

These are some things you should look out for in an insurance plan for Americus:

These are some things you should look out for in an insurance plan for Americus:

  1. Vandalism Coverage: Americus, GA may experience instances of vandalism. Consider adding coverage for vandalism to protect your mobile home, manufactured home, or RV from intentional damages caused by vandalism.
  2. Theft Coverage for Farm Equipment: Americus is located in an agricultural area, and theft of farm equipment can be a concern. If you have farm equipment stored on your property, consider adding theft coverage specifically for farm equipment to protect against potential losses.
  1. Tornado Coverage: Americus, GA falls within Tornado Alley, making tornadoes a potential risk. Ensure your insurance policy includes coverage for property damage specifically caused by tornadoes, including wind, hail, and debris impact.
  2. Crop Insurance for Agricultural Areas: If you are a mobile or manufactured home owner or renter involved in agriculture in Americus, consider exploring crop insurance options to protect against potential losses due to weather-related events that may damage or destroy crops.
  1. Livestock Coverage: If you have livestock on your property, consider adding livestock coverage to your insurance policy. This coverage can help protect against losses resulting from covered perils such as fire, theft, or severe weather events.
  2. Farm Liability Coverage: If you engage in farming activities on your property in Americus, consider adding farm liability coverage to protect against potential liability claims related to farming operations, such as injuries to visitors, damage to neighboring properties, or accidents involving agricultural machinery.
  1. Storage Lot Coverage: If you store your RV in a storage facility in Americus, consider adding specific coverage for RVs stored in a storage lot to protect against potential damage or theft that may occur while it is not in use.
  2. Awnings and Slide-Outs Coverage: RV awnings and slide-outs can be vulnerable to damage. Consider adding coverage specifically for repairs or replacements of awnings and slide-outs to your insurance policy.

Remember to consult with an insurance professional to determine the specific endorsement or insurance additions that would best suit your needs and the unique characteristics of Americus, GA.





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