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

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

Welcome to Smyrna, Georgia where the charm of the South meets the vibrancy of a bustling city. Nestled just northwest of Atlanta, this delightful city offers a unique blend of history, culture, and modern amenities that make it an ideal place to live, visit, and explore. With its rich heritage, plethora of attractions, and a thriving community, Smyrna has something to offer everyone.

Steeped in history, Smyrna traces its roots back to the early 1830s when it was first settled by pioneers seeking new opportunities in the growing frontier. Originally known as Ruff’s Mill, the city later adopted the name Smyrna, inspired by the biblical city in Asia Minor. Over the years, Smyrna experienced significant growth and transformation, evolving into a thriving community that beautifully balances its historic character with modern developments. Today, it stands as a testament to the resilience and progress of the people who call it home.

One of the most significant aspects of Smyrna is its undeniable charm and inviting atmosphere. As you stroll through the city’s picturesque streets, lined with charming cottages and elegant historic buildings, you’ll feel a sense of warmth and hospitality that is characteristic of Southern living. The vibrant downtown area is a hub of activity, with an array of boutique shops, art galleries, and delectable eateries that cater to diverse tastes. Take a leisurely walk along the Smyrna Market Village, a lively gathering place that hosts community events and outdoor concerts throughout the year. Indulge in the local culinary scene, with an abundance of restaurants serving up Southern delicacies, international cuisines, and farm-to-table fare, ensuring that every palate is satisfied.

For history enthusiasts, Smyrna offers a wealth of fascinating landmarks and sites to explore. Pay a visit to the Smyrna Museum, housed within the historic 1910 Smyrna train depot, and learn about the city’s railroad heritage and its impact on shaping the community. Marvel at the historic Concord Covered Bridge, a well-preserved relic from the past that serves as a reminder of a simpler time. Discover the Jonquil City’s dedication to preserving its history through the Silver Comet Trail, a former railway line-turned-recreational path that stretches across the city, offering scenic views and opportunities for outdoor recreation.

But there’s more to Smyrna than just its history. Adventure seekers will find an abundance of recreational activities to enjoy. Explore the scenic beauty of the Chattahoochee River, which runs along the city’s western border, and embark on kayaking or fishing expeditions. Get your heart pumping at the Silver Comet Skatepark or the Smyrna Adventure Center, where thrilling outdoor activities such as rock climbing and ziplining await. Golf enthusiasts can perfect their swing at one of the city’s premier golf courses, renowned for their picturesque settings and challenging layouts.

For RV enthusiasts, Smyrna offers plenty of options to indulge in the nomadic lifestyle. The city boasts several RV parks and campgrounds that provide spacious and well-equipped sites for a comfortable stay. Whether you prefer a serene lakeside retreat, a family-friendly campground with numerous amenities, or a peaceful spot nestled within nature, Smyrna has something to suit every traveler’s needs.

Moreover, Smyrna is a haven for mobile, manufactured, and modular homeowners. With a range of communities scattered throughout the city, residents can enjoy the benefits of affordable housing options, excellent amenities, and a strong sense of community. These communities provide a safe and welcoming environment for individuals and families alike, fostering a true sense of belonging.

As you navigate the charming streets of Smyrna, you’ll encounter subtle reminders of the city’s significance in pop culture and history. This picturesque city served as the backdrop for scenes in iconic films such as “Crazy in Alabama” and “Joyful Noise,” adding a touch of Hollywood allure to its already captivating ambiance.

In addition to its rich heritage and recreational offerings, Smyrna takes great pride in its commitment to providing an exceptional quality of life for its residents. The city boasts top-rated schools, well-maintained parks, and a strong sense of community engagement. Its proximity to Atlanta allows residents to easily access the vibrant city while enjoying the tranquility of suburban living.

Whether you’re a history buff, an outdoor enthusiast, or a lover of Southern charm, Smyrna beckons with its irresistible allure. Embrace the warmth of its people, immerse yourself in its vibrant culture, and create unforgettable memories in this enchanting city. Smyrna welcomes you with open arms and promises an experience that will leave you yearning to return time and time again.

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
Smyrna, GA

Choosing the Right Mobile Home Insurance for
Smyrna, GA

Weather & Environmental Risks:

Smyrna, Georgia is located northwest of Atlanta and experiences a humid subtropical climate. While the area does not face extreme weather events, there are a few unique weather risks and hazards to consider. Here are three distinct weather risks, along with tips for mobile homeowners and RV owners:

Weather & Environmental Risks:

  • Description: Smyrna, like many areas in Georgia, is susceptible to severe thunderstorms and occasional tornadoes during the spring and summer months.
  • Data:
    • Thunderstorms occur throughout the year, with peak activity in late spring and early summer.
    • Tornadoes are less frequent but can occur, generally in association with severe thunderstorms.
  • Tips for Mobile Homeowners and RV Owners:
    • Create an emergency supply kit with essentials such as non-perishable food, water, flashlights, batteries, and a NOAA Weather Radio.
    • Ensure your mobile home or RV is securely anchored or consider moving to a designated storm shelter or a safer location in case of severe weather.
    • Regularly check the weather forecast and stay tuned to local news outlets or weather apps for updated alerts and warnings.

  • Description: Smyrna and its surrounding areas are occasionally subject to flash flooding, particularly during heavy rainstorms or tropical systems.
  • Data:
    • Heavy rainfall events can occur throughout the year but are more common in late spring and summer.
    • Flash floods can happen suddenly and lead to rapid water rise in low-lying areas, creeks, and streams.
  • Tips for Mobile Homeowners and RV Owners:
    • Monitor local weather reports and be aware of any flash flood watches or warnings.
    • If you live in a flood-prone area, consider purchasing flood insurance to protect your mobile home or RV.
    • During heavy rains, move your mobile home or RV to higher ground if possible or seek shelter in a safer location.

  • Description: Smyrna experiences hot and humid summers, with the potential for prolonged heatwaves and high heat indices.
  • Data:
    • Heatwaves typically occur from June through September, with temperatures often exceeding 90°F (32°C).
    • Heat indices, which factor in humidity, can make it feel even hotter, posing health risks.
  • Tips for Mobile Homeowners and RV Owners:
    • Install and use air conditioning in your mobile home or RV to maintain a comfortable temperature during heatwaves.
    • Stay hydrated by drinking plenty of water and avoid spending excessive time outdoors during the hottest parts of the day.
    • Be aware of the signs and symptoms of heat-related illnesses, such as heat exhaustion and heatstroke, and seek medical attention if necessary.

Remember to consult with local authorities and follow their guidance during severe weather events in Smyrna, Georgia. Additionally, it’s important to have appropriate insurance coverage for your mobile home or RV and consider any additional endorsements or adjustments specific to the unique weather risks in the area.

Crime Rates:

Smyrna has a crime rate higher than the national average across all communities in America, but it is not among the communities with the highest crime rates.
The chance of becoming a victim of either violent or property crime in Smyrna is 1 in 47.
Relative to Georgia, Smyrna has a crime rate higher than 72% of cities and towns in the state.

Crime Rates:

  • When compared to communities of similar population size, Smyrna’s crime rate is near the average.
  • Control for population size shows that Smyrna is neither significantly more nor less dangerous than similar-sized communities across America.

  • Smyrna has a higher rate of violent crime compared to most communities in America.
  • The chance of becoming a victim of a violent crime in Smyrna is 1 in 298.
  • Violent crimes in Smyrna include armed robbery, aggravated assault, rape, and murder.

  • Property crime is a significant contributor to the overall crime rate in Smyrna.
  • Property crimes tracked include motor vehicle theft, arson, larceny, and burglary.
  • The chance of becoming a victim of a property crime in Smyrna is 1 in 56.
  • Smyrna has an above-average chance of experiencing property crime compared to other communities in America.

  • Take extra precautions to secure your mobile home or RV in Smyrna due to the higher crime rate.
  • Park in well-lit and secure areas, such as designated camping or RV parks.
  • Build strong relationships with neighbors for enhanced safety.
  • Stay updated on local news and crime reports.
  • Be vigilant and aware of your surroundings.

It is important to follow local laws and regulations regarding security measures for mobile homes and RVs in Smyrna. Stay informed about any specific rules or guidelines provided by the local authorities.

Additional Tips:

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.


Maintain proper insulation throughout your mobile home or RV. Upgrade to energy-efficient appliances, lighting, and HVAC systems. Utilize blinds or shades to manage solar heat gain.


Read and understand the terms of your lease agreement. Ask questions about items you do not understand or terms that you disagree with. Adhere to the lease agreements, and extend it if you need more time to live in it.


Report repair needs and work with your landlord or rental agency to resolve them. Keep your rental mobile home or RV clean and in good condition. Adhere to waste management policies specified in your lease agreement.


Follow the community or park rules and regulations. Obtain renter's insurance to protect your personal belongings. Secure your rental mobile home or RV when not in use.

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Are you in Smyrna, 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
Smyrna, GA.

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

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

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

Remember, it’s crucial to consult with an insurance professional to determine the specific coverage options and endorsements that best suit your needs as a mobile or manufactured homeowner, renter, or RV owner in Smyrna, GA.





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