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.
Welcome to Montgomery, Alabama – a city where the echoes of a pivotal past meet the vibrant pulse of progress and innovation. Nestled on the banks of the Alabama River, Montgomery beckons as a city of profound historical significance, blended seamlessly with the energy of contemporary urban life. Here, every street, building, and monument tells a story, inviting you to be part of its continuing narrative.
As you journey through the heart of Montgomery, you tread on hallowed ground, where the Civil Rights Movement etched pivotal chapters in America’s history. The Dexter Avenue King Memorial Baptist Church stands as a beacon of hope and struggle, where Dr. Martin Luther King Jr. once preached messages of equality and justice. The Civil Rights Memorial, designed by Maya Lin, pays homage to the heroes of the movement, their sacrifices forever etched in water and stone.
Yet, Montgomery’s historical tapestry extends beyond its civil rights landmarks. It is also the city where the Confederate States of America was born, and where Jefferson Davis took the oath of office as President. The First White House of the Confederacy and the Alabama State Capitol are testament to these complex and significant chapters in American history.
Venture beyond the corridors of history into Montgomery’s thriving cultural scene. The Montgomery Museum of Fine Arts, set amidst the lush Blount Cultural Park, showcases a stunning collection of American and regional art. The city’s performing arts flourish at venues like the Alabama Shakespeare Festival and the Montgomery Performing Arts Centre, where the arts come alive in a celebration of creativity and talent.
The natural beauty of Montgomery complements its urban and historical charm. Stroll along the Riverwalk, a picturesque development along the Alabama River, offering serene views, delightful eateries, and an amphitheater for live events. The Riverfront Park, with its boat rides and leisure amenities, is a perfect spot to unwind and soak in the tranquil riverside ambiance. In Montgomery, the culinary experience is as rich and diverse as its history. Savor the flavors of Southern cuisine, from classic soul food to contemporary gastronomic creations. The city’s dining scene reflects a fusion of tradition and innovation, providing a culinary journey through the tastes of the South.
Montgomery’s commitment to education and progress is evident in its universities and tech initiatives, positioning the city as a hub for learning and future development. The legacy of the past and the dynamic of the present converge, fostering a community that looks forward with optimism and respect for its roots.
Embark on a journey through Montgomery, where the echoes of history resonate in the streets, the arts flourish, and the river’s gentle flow whispers tales of yesteryear and visions of tomorrow. Welcome to Montgomery, Alabama, a city where each moment is a thread in the fabric of a rich and enduring story.
Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average.
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.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.
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.
Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:
Weather and Environmental Risks:
Residents of Montgomery, especially those in mobile/manufactured homes and RVs, should remain vigilant about the potential weather risks, primarily lightning and strong winds, and less frequently, tornadoes. Proactive measures, including structural reinforcements, emergency preparedness, and staying informed, are key to ensuring safety and minimizing the impact of these weather-related risks.
1) Explore the best RV campsites in Alabama.
2) Learn about amenities and reservation tips.
3) Be aware of campsite rules and etiquette.
1) Install smoke detectors and regularly test them.
2) Keep a fire extinguisher handy and know how to use it.
3) Plan and practice an escape route with your family.
1) Choose RV parks that offer insurance-friendly facilities.
2) Know what your RV insurance covers while parked.
3) Consider additional liability coverage for extended stays
1) Use reflective roof coatings to reduce heat absorption.
2) Install awnings or sunshades over windows.
3) Stay hydrated and keep an eye on indoor temperatures.
1) Understand the difference in coverage for full-time vs part-time RVing.
2) Adjust your policy based on how often you use your RV.
3) Consider additional coverage for full-time living.
1) Notify your insurer before starting renovations.
2) Check if your policy covers renovation-related damages.
3) Update your insurance post-renovation to reflect changes in home value.
Mobile and Manufactured Home Insurance Statistics in Alabama:
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:
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.
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.
