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

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

Welcome to Buford, Georgia – a vibrant city that effortlessly blends history, modernity, and Southern charm. Situated in Gwinnett County, Buford offers a captivating mix of small-town allure and urban amenities, making it an enchanting destination for residents and visitors alike.

Nestled on the shores of Lake Lanier, Buford is a city rooted in a rich history that dates back to the early 19th century. Once a railroad town, Buford played an integral role in the development of Georgia, serving as a vital transportation hub for goods and people. Today, remnants of this railway heritage can still be seen throughout the city, reminding us of the journey that led Buford to where it stands today.

Buford boasts a vibrant downtown district, filled with a range of charming shops, locally-owned restaurants, and historical landmarks. Stroll along Main Street, where you’ll encounter beautifully preserved buildings that harken back to a bygone era. The iconic Tannery Row, a historic site that once served as a pivotal leather goods manufacturing location, has been transformed into a cultural gem, housing art galleries and studios that thrive with creativity.

For history enthusiasts, a visit to the Buford History Museum is a must. Housed in the historic Arts District, the museum offers a glimpse into the city’s past through its collections of artifacts, photographs, and exhibits. Discover the stories of Buford’s early settlers, delve into the region’s agricultural roots, and learn about the impact of the railroad on the city’s growth.

Nature lovers will find solace in the breathtaking beauty of Lake Lanier. With over 692 miles of shoreline, this expansive reservoir offers endless opportunities for water sports, boating, and fishing. Rent a kayak or paddleboard to explore the tranquil coves, or simply relax on the sandy beaches and soak in the sun-drenched scenery.

Buford is also home to the Mall of Georgia, one of the largest shopping destinations in the Southeast. With over 200 stores, including major retailers, boutiques, and a diverse range of dining options, this retail paradise is sure to satisfy any shopaholic. Embrace the energy of this bustling commercial hub, where entertainment, fashion, and culinary delights blend seamlessly.

One of Buford’s more obscure claims to fame is its longstanding association with the sport of wrestling. The city has produced a number of wrestling champions, including the famed Steiner Brothers, Scott and Rick Steiner, who achieved worldwide recognition for their iconic tag-team matches. A visit to the city might just inspire a passion for this popular sport or spark memories of past wrestling glories.

Buford’s appeal extends beyond its history and attractions – it’s also a fantastic place to call home. The city boasts excellent schools, a low crime rate, and a strong sense of community. Its proximity to Atlanta, just a short drive away, offers easy access to big-city amenities while enjoying the serenity of suburban living. For mobile, manufactured, or modular homeowners, Buford provides various housing options that cater to individual needs and preferences.

For RV enthusiasts, Buford offers an ideal basecamp for exploring the beauty of northern Georgia. Just a stone’s throw away from the Blue Ridge Mountains, Buford provides easy access to scenic drives, hiking trails, and outdoor adventure. Enjoy the freedom of the open road and venture into nearby national parks, such as the Chattahoochee-Oconee National Forest, where you can immerse yourself in the wonders of nature.

Whether you’re drawn to Buford for its rich history, natural beauty, or vibrant community, this city has something to offer for everyone. Discover a place where old and new coexist harmoniously, where stories unfold at every corner, and where life is lived with a sense of warmth and hospitality. So step into Buford, Georgia, and embark on a journey filled with wonder, excitement, and a dash of Southern magic.

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
Buford, GA

Choosing the Right Mobile Home Insurance for
Buford, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: Buford, Georgia, is susceptible to severe thunderstorms and microbursts, which are intense, localized downdrafts of wind. These weather events can cause significant damage to property and pose risks to personal safety.
  • Data:
    • Buford experiences an average of 30-40 thunderstorm days per year.
    • Severe thunderstorms can occur throughout the year, with peak activity during spring and summer.

Tips for mobile homeowners and RV owners during severe thunderstorms and microbursts:

  • Keep a close watch on weather forecasts and be prepared to move to a secure location or evacuate if necessary.
  • Secure any loose items outside your mobile home or RV that could be blown away or cause damage in high winds.
  • Park your RV or mobile home away from trees or other structures that could potentially fall onto your vehicle.
  • If you are on the road during a severe thunderstorm or microburst, find a safe place to wait it out, such as a sturdy building or a rest area.

  • Description: Buford, Georgia, occasionally experiences severe hailstorms that can cause extensive damage to vehicles, roofs, and other property.
  • Data:
    • Hailstorms are most common from March to May and occasionally during summer.
    • Hailstones in Buford can range in size from pebbles to golf balls, causing dents and fractures.

Tips for mobile homeowners and RV owners during hailstorms:

  • If you have enough time and space, consider covering your RV or mobile home with a heavy-duty tarp or shelter before the storm hits.
  • If caught in a hailstorm while driving, find shelter under a solid structure, such as a gas station awning or bridge.
  • If shelter is not available while driving, slow down, turn on your hazard lights, and safely pull over to the side of the road, while avoiding any low-lying areas.

  • Description: Buford, Georgia, has hot and humid summers, and the combination of high temperature and humidity can result in an elevated heat index. Additionally, air quality can occasionally be affected by pollution and allergens in the atmosphere.
  • Data:
    • Average summer temperatures in Buford range from the high 80s to low 90s Fahrenheit.
    • The heat index can make it feel considerably hotter, reaching into the 100s.
    • Air quality index (AQI) occasionally reaches unhealthy levels due to pollution and local allergens.

Tips for mobile homeowners and RV owners during heatwaves and poor air quality:

  • Use insulation materials or shades to keep your mobile home or RV cooler and reduce reliance on air conditioning.
  • Invest in good ventilation systems or fans to improve air circulation inside your vehicle.
  • Stay informed about the heat index and plan outdoor activities accordingly, avoiding the hottest parts of the day.
  • Monitor the AQI and take necessary precautions if you have allergies or respiratory conditions.

Remember to stay informed about local weather conditions, heed advice from authorities, and be prepared for any potential hazards.

Crime Rates:

Crime Rates:

  • Buford has an overall crime rate of 11 per 1,000 residents, near the average for cities and towns in America.
  • The chance of becoming a victim of crime in Buford is 1 in 94.
  • Buford’s crime rate is lower than approximately 53% of Georgia communities.

  • Compared to communities of similar population size, Buford has a lower than average crime rate, making it safer than most.

  • Buford has a higher rate of violent crimes compared to most communities in America.
  • Violent crimes include armed robbery, aggravated assault, rape, and murder.
  • The chance of becoming a victim of a violent crime in Buford is 1 in 536.

  • Property crime in Buford occurs at an average rate compared to cities and towns in America.
  • Property crimes include burglary, larceny ($50 or more), grand theft auto, and arson.
  • The rate of property crime in Buford is 9 per 1,000 residents.

  • Violent crime rate: 1 in 536 residents
  • Property crime rate: 9 per 1,000 residents

  • Secure your property: Install solid locks, alarms, and security cameras to protect your mobile home or RV in Buford.
  • Join a neighborhood watch: Participate in the local community watch program to stay informed about any suspicious activities and build relationships with neighbors who can help keep an eye out on your property.

Additional Tips:

Additional Tips:


Follow the manufacturer's recommendations for maintenance and care of your mobile home or RV. Keep the water and plumbing systems clean and well-maintained Check the air conditioning and heating systems according to the manufacturer's instructions.


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.


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.


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.


Plan your route in advance and account for any height or weight restrictions. Take breaks regularly when driving long distances to avoid fatigue. Research and book RV parks or campgrounds in advance, especially during peak seasons.

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Are you in Buford, 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
Buford, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Buford'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
Buford, GA.

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

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

  1. Theft from Vehicles Coverage: Buford, GA, like any other city, may experience theft from vehicles. Consider adding coverage to protect personal belongings kept inside your mobile home, manufactured home, or RV in case of theft or vandalism.
  2. Burglary Insurance: Buford, being a populated area, may have a higher risk of burglary. Ensure your insurance policy includes coverage for burglaries to protect against losses or damages caused by break-ins.
  1. Flood Insurance: Buford is located near Lake Lanier and may be prone to flooding, especially during periods of heavy rainfall. Flood insurance is essential to protect your property against water damage caused by flooding.
  2. Storm or Wind Damage Insurance: Buford is in an area susceptible to severe storms and high winds, such as hurricanes and tornadoes. Make sure your insurance policy includes coverage for wind and storm damage to your mobile or manufactured home or RV.
  1. Mobile Home Park Liability Insurance: If you reside in a mobile home park in Buford, consider adding liability coverage to protect against accidents or injuries that may occur on your property or in the community’s common areas.
  2. Flood Endorsement for Mobile Homes: Since mobile homes are typically placed on the ground, they are more vulnerable to water damage from floods. Adding a flood endorsement specific to mobile homes can provide additional coverage for flood-related losses.
  1. Storage Lot Coverage: If you store your RV in a storage facility in Buford, consider adding storage lot coverage to protect against damages that may occur while it is stored, such as theft, vandalism, or weather-related damage.
  2. Full-Timer Coverage: If you use your RV as your primary residence in Buford, full-timer coverage provides additional protection similar to a homeowners insurance policy, including personal liability and coverage for personal belongings.

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 Buford, GA.





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