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Protect Your Manufactured Home in Atlanta, 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 Atlanta, GA : Costs, Coverage, and Considerations

Welcome to Atlanta, Georgia - the bustling capital of the South where rich history meets modern city living. With its diverse neighborhoods, delicious food, vibrant nightlife, and endless outdoor activities, Atlanta is a city full of life and adventure. With a population of around 498,715 people, Atlanta attracts over 51 million visitors annually, generating $16 billion in visitor spending. Originally founded as a transportation hub due to its strategic location at the intersection of multiple railroad lines, Atlanta quickly became a center for commerce, industry, and culture. The city played a significant role in both the Civil War and the Civil Rights Movement, which are both commemorated through historical sites and museums throughout the city.

Originally established as a transportation hub and with a significant role in both the Civil War and the Civil Rights Movement, Atlanta is steeped in important historical events that are commemorated through various sites and museums. One of the most well-known residents of Atlanta was Dr. Martin Luther King, Jr. He was born and raised in Atlanta and played a crucial role in the fight for civil rights for African Americans. Visitors can pay tribute to his legacy by visiting his birthplace, which has been preserved as a museum, and his final resting place at the King Center.

But Atlanta offers so much more than just its rich history. The city is home to world-class museums, such as the High Museum of Art and the Georgia Aquarium. Downtown Atlanta boasts some of the best shopping and dining in the country, including the famous Peachtree Street and Buckhead districts.

Outdoor enthusiasts will love exploring Atlanta's many parks and nature trails, such as the picturesque Piedmont Park or the Chattahoochee River National Recreation Area. And for sports fans, Atlanta is home to professional sports teams such as the Braves, Falcons, and Hawks.

Downtown Atlanta beckons with vibrant shopping and dining options, while outdoor enthusiasts can discover the city's more than 343 parks and over 3,000 acres of green space, including the iconic Piedmont Park. Atlanta's economy is diverse, hosting the headquarters of major corporations such as CNN, Coca-Cola, and Delta Air Lines. The Hartsfield-Jackson Atlanta International Airport, the busiest airport globally in terms of passenger traffic, served over 110 million passengers in 2019. A particularly appealing aspect of Atlanta is its affordable cost of living, especially when it comes to housing. This affordability makes it an ideal location for mobile and manufactured homeowners, as well as RV enthusiasts seeking to explore the city's rich offerings while keeping expenses reasonable.

Atlanta is also an excellent destination for RV enthusiasts, manufactured & modular homeowners, and outdoor adventurers. There are many RV parks and campgrounds in and around the city, offering a variety of amenities and activities, such as hiking, fishing, and boating.

One lesser-known but highly recommended attraction for RV enthusiasts is the Georgia Outdoor World RV Resort. Located just east of Atlanta, this resort offers RV sites and cottages, as well as on-site amenities like a swimming pool, picnic areas, and a playground. Another great option is the Highland Marina Resort, situated on Lake Allatoona, which allows for a tranquil getaway within driving distance of the city’s famous attractions.

Good news for those who want to call Atlanta their home - the city is known for its relatively affordable housing market compared to other major cities, and its diverse communities offer something for everyone. To enjoy the city's famous southern charm, head to Buckhead, while Midtown is the ideal location for those who want to be in the heart of the arts and culture scene. Atlanta is a city that offers something for everyone. Whether you're a history buff, a foodie, or an outdoor enthusiast, you'll find plenty to see and do here. So pack your bags, explore the city, and uncover all that Atlanta has to offer.

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.

  • 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:

  • 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?

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

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 :

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:

Choosing the Right Mobile Home Insurance for Atlanta, GA

Weather & Environmental Risks:

Severe thunderstorms and tornadoes are common weather events in Atlanta, GA, especially during the spring and summer months. These weather events can bring damaging winds, heavy rain, hail, and the potential for tornadoes, resulting in property damage and safety concerns.

  • On average, Atlanta experiences about 40-50 days of thunderstorms each year.
  • Tornadoes can occur, with an average of 2-3 tornadoes reported in the Atlanta area annually.

Tips for Mobile Homeowners and RV Owners:

  • Have a plan in place for severe weather events and know where the nearest shelter is located.
  • Secure outdoor furniture, equipment, and awnings to minimize damage from strong winds.
  • Consider installing a NOAA weather radio or using weather alert apps to stay informed about severe weather warnings in the area.
  • If possible, seek shelter in a sturdy building or a designated storm shelter during tornado warnings.
  • It may be safer to evacuate to a nearby safe location if a tornado threat is imminent.

Atlanta experiences hot and humid summers, and heatwaves can pose health risks, especially for those who are sensitive to high temperatures. Heatwaves can lead to heat-related illnesses, such as heat exhaustion and heatstroke, particularly in vulnerable populations like the elderly, children, and those with chronic health conditions.

  • Average high temperatures during summer range from the low 90s to mid-90s Fahrenheit.
  • Heatwaves can bring temperatures exceeding 95-100 degrees Fahrenheit for multiple consecutive days.

Tips for Mobile Homeowners and RV Owners:

  • Ensure your mobile home or RV is properly ventilated and has working air conditioning units to maintain a comfortable indoor temperature during hot spells.
  • Use reflective window coverings or shades to reduce heat gain from direct sunlight.
  • Stay hydrated and avoid extended exposure to the sun during the hottest parts of the day.
  • If air conditioning is not available or reliable, consider seeking temporary shelter in a cooling center, public library, or shopping mall to escape extreme heat.
  • Check on neighbors, especially the elderly, to ensure they are safe and have access to cooling methods during heatwaves.

While Atlanta experiences mild winters overall, winter storms can occasionally bring icy conditions, snow, and sleet. These weather events can lead to hazardous road conditions, power outages, and other risks associated with cold weather.

  • Snowfall in Atlanta can range from a dusting to a few inches, with occasional larger snowstorms occurring.
  • Ice storms and freezing rain can lead to slippery surfaces and tree damage, which can cause power outages.

Tips for Mobile Homeowners and RV Owners:

  • Ensure your mobile home or RV is properly insulated to retain heat during cold weather.
  • Keep an emergency kit with essential supplies, including extra blankets, warm clothing, flashlights, and non-perishable food items.
  • Monitor weather reports and road conditions, and avoid driving on icy or snowy roads if possible.
  • Disconnect and drain outdoor hoses to prevent them from freezing and damaging the plumbing system.
  • If a winter storm is approaching, consider purchasing tire chains or investing in winter tires for better traction in snowy or icy conditions.

Please note that these tips are general advice, and it's important to stay informed about specific weather forecasts and follow guidance from local authorities during severe weather events.

Recommended Attractions in/around Atlanta:

  • Descriptors:
    • One of the largest theme parks in the Southeast with thrilling rides and entertainment options.
    • Features various roller coasters, family rides, and live shows.
  • Tip for Visitors:
    • Arrive early to beat the crowds and take advantage of shorter wait times for popular rides.
  • Descriptors:
    • A picturesque river that offers opportunities for fishing, kayaking, canoeing, and tubing.
    • Scenic parks and trails are available for hiking, biking, and picnicking along the riverbanks.
  • Tip for Visitors:
    • Rent a kayak or canoe to fully explore the beauty of the Chattahoochee River and enjoy a unique perspective on the natural surroundings.
  • Descriptors:
    • One of the world’s largest aquariums, showcasing a wide range of marine life.
    • Visitors can see beluga whales, dolphins, penguins, and various species of fish and sharks.
  • Tip for Visitors:
    • Plan your visit during non-peak hours or consider purchasing a skip-the-line pass to avoid long queues.
  • Descriptors:
    • A scenic park offering hiking trails, picnic areas, and historical ruins.
    • The park’s main attraction is the picturesque Sweetwater Creek, which is perfect for canoeing and fishing.
  • Tip for Visitors:
    • Take a guided hike tour to learn about the area’s history and enjoy the stunning views of the creek.
  • Descriptors:
    • A cultural and historical complex featuring museums, gardens, and historic homes.
    • Offers exhibits related to Southern history, including the Civil War and the Civil Rights Movement.
  • Tip for Visitors:
    • Wear comfortable shoes as the center covers a large area, and plan to spend extra time exploring the beautiful gardens.
  • Descriptors:
    • A family-friendly attraction center located just outside of Atlanta.
    • Features a massive granite mountain with hiking trails, a scenic railroad, and a laser show.
  • Tip for Visitors:
    • Purchase an all-attraction pass to experience the variety of activities and save money.
  • Descriptors:
    • A stunning garden known for its diverse plant collections and beautiful displays.
    • Features unique areas such as the tropical rainforest, Japanese garden, and edible garden.
  • Tip for Visitors:
    • Check the garden’s calendar for special events or exhibitions happening during your visit for an enhanced experience.
  • Descriptors:
    • A campground within Stone Mountain Park offering RV sites and amenities.
    • Provides easy access to the park’s attractions and activities.
  • Tip for Visitors:
    • Make a reservation in advance, especially during peak seasons, to secure your desired campsite.
  • Descriptors:
    • A serene park with a beautiful waterfall, hiking trails, and fishing opportunities.
    • Offers RV camping and picnic areas for enjoying the peaceful surroundings.
  • Tip for Visitors:
    • Pack a picnic and enjoy it while marveling at the scenic view of the waterfall.
  • Descriptors:
    • A multipurpose facility known for hosting equestrian events during the 1996 Olympics.
    • Features horseback riding trails, mountain biking, and a nature center.
  • Tip for Visitors:
    • Check the park’s event schedule to see if any equestrian events or festivals are taking place during your visit for added entertainment.

Crime Rates:

  • Atlanta has one of the highest crime rates in America, with a rate of 50 crimes per one thousand residents.
  • The chance of becoming a victim of violent or property crime in Atlanta is one in 20.
  • Over 94% of communities in Georgia have a lower crime rate than Atlanta.
  • Atlanta is considered one of the top 100 most dangerous cities in the U.S.
  • Property crime is prevalent in Atlanta.
  • Property crimes include burglary, larceny, motor vehicle theft, and arson.
  • The chance of becoming a victim of a property crime in Atlanta is one in 25.
  • Atlanta has one of the highest rates of motor vehicle theft in the nation, with a chance of one in 153.
  • Atlanta has a high rate of violent crimes compared to communities of all sizes.
  • Violent offenses include rape, murder, robbery, and aggravated assault.
  • The chance of becoming a victim of a violent crime in Atlanta is one in 105.
  • Atlanta experiences a higher murder rate compared to cities and towns of all sizes.
  • Secure your property: Install security systems, alarms, and secure locks to deter potential burglars.
  • Park in well-lit areas: When parking your RV, choose well-lit and secure locations to reduce the risk of theft or vandalism.
  • Surveillance cameras: Consider installing surveillance cameras around your property or RV to provide an additional layer of protection.
  • Communication with neighbors: Establish good relationships with your neighbors, as they can keep an eye out for any suspicious activity when you’re not around.
  • Insurance coverage: Ensure your mobile home, RV, or belongings are adequately insured against theft, damage, and other risks. Review your coverage regularly to ensure it meets your needs.

Additional Tips:


Install smoke detectors and carbon monoxide detectors in your home or RV and test them regularly.
Have a fire extinguisher in a convenient location and know how to use it.
Keep flammable objects away from heat sources and practice safe cooking.


Install deadbolt locks and a security alarm.
Keep entry and exit points well-lit. Use outdoor lighting and motion sensors to deter theft.


Secure all items in your mobile home or RV before traveling.
Check the weather and road conditions before embarking on a trip. Follow local laws and regulations related to mobile homes and RVs.


Be sure your mobile home, RV, or manufactured home is properly insured.
Review your insurance policy annually to ensure you have adequate coverage.
Know your policy limits, deductibles, and exclusions.


Consider purchasing additional liability insurance to protect against accidents on your property.
Check if your insurance provider offers "umbrella insurance."
Ask your provider for discounts, and bundle policies to save on premiums.


Make a visual and written inventory of valuable items in your home or RV.
Have photographs or videos of your belongings saved as backup files.
Keep important documents and receipts in a secure and organized place.

Did You Know?

In Atlanta, GA mobile homes must be titled with the Secretary of State.

Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

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.

All sections of transportable manufactured homes must contain a HUD label, certifying adherence to federal standards that include body, frame, thermal protection, structural integrity, and fire safety.

The public and Local Code Offices can access a current listing of licensed Manufactured Housing Manufacturers, Retailers, and Installers to verify compliance with Georgia law.

Learn about the Georgia Administrative Code Chapter (120-3-7! )

The Georgia Administrative Code Chapter 120-3-7 governs manufactured and mobile homes under the authority of the Georgia Safety Fire Commissioner. The regulations aim to:

The terms used within these regulations align with definitions provided by Georgia law and include specific roles like the Fire Safety Compliance Officer, responsible for inspections and enforcement​​.

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.

Finding A Manufactured Home in Atlanta, GA.

If you're in the market for a mobile or manufactured home in Atlanta, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Atlanta.

El Bosque

An All-Ages Community located at 501 Connell Ave, Atlanta, Georgia 30315. Centrally located near downtown Atlanta and five minutes away from Hartsfield-Jackson International Airport.
Conveniently located near major shopping centers.
Highly rated Atlanta Public Schools service the community. Community amenities include on-site management and pets are allowed.

Cedar Village

A well-established and safe 44-acre manufactured home community located in Carrollton, Georgia, about 45 miles west of Atlanta.
Offers abundant green space, a private lake, and paved streets. Walking distance to excellent schools and close to higher education opportunities.
Employment opportunities available at neighboring schools, Southwire, the regional Wal-Mart distribution center, and many other small businesses and restaurants.
Close to Tanner Memorial Hospital and medical offices. Provides affordable living opportunities through a Lease-Option program.

The MHP Broker

Contact: Phone: (678) 932-0200, Email:
A family-run business that specializes in brokerage services for park owners in the south.
Offers data-driven evaluations and virtual support to help park owners present the full value of their property.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Atlanta, GA. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Atlanta, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Atlanta'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!

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

Atlanta, GA has a moderate to high risk of certain natural disasters, including severe storms, tornadoes, and occasional hurricanes. It’s essential for mobile & manufactured homeowners or renters, and RV owners to consider insurance coverage that specifically addresses these risks.

Atlanta, GA has a relatively higher crime rate compared to other cities. Mobile & manufactured homeowners or renters, as well as RV owners, may consider insurance coverage that includes protection against theft, vandalism, or property damage caused by criminal activities.

  1. Severe Storms: Given the high probability of severe storms in Atlanta, GA, homeowners or renters, and RV owners may want to consider insurance additions or endorsements covering damage caused by high winds, hail, and flooding.
  2. Tornadoes: Tornadoes are not uncommon in Atlanta, GA. Homeowners or renters, and RV owners may consider insurance endorsements that specifically cover tornado damage, including debris removal and structure repair.
  1. Flood Insurance: Atlanta, GA is prone to flash floods, so homeowners or renters, and RV owners located in flood-prone areas may want to consider obtaining separate flood insurance policies to cover damage from overflowing rivers, heavy rain, or storm surge.
  2. Extended Replacement Cost Coverage: For mobile & manufactured homeowners or renters, and RV owners who want added protection, this endorsement provides coverage that exceeds the insured amount in case of a total loss, compensating for increased construction and replacement costs.
  3. Personal Effects Coverage: RV owners may consider adding endorsements to their policies that cover personal belongings stored within the RV, such as clothing, electronics, and appliances, in the event of theft, damage, or vandalism.
  1. Earthquake Damage: While earthquakes are relatively rare in Atlanta, GA, standard insurance policies generally exclude coverage for earthquake damage. Mobile & manufactured homeowners or renters, and RV owners in earthquake-prone areas may want to consider purchasing separate earthquake insurance policies.
  2. Wear and Tear: Insurance policies typically exclude coverage for damage caused by regular wear and tear, maintenance issues, or lack of upkeep. It’s important for mobile & manufactured homeowners or renters, and RV owners to properly maintain their property and vehicles to avoid potential claim denials.

Remember, it's essential to consult with an insurance professional or provider to understand the specific coverages, endorsements, or exclusions that best suit your needs and circumstances in Atlanta, GA. Insurance requirements may vary depending on the type of property ownership and location within the city.

Now that you've got the lowdown on mobile home insurance coverage in Atlanta, GA don't hesitate to get a CoverTree quote now.




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