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Protect Your Manufactured Home in St. Simons, 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 St. Simons, GA : Costs, Coverage, and Considerations

Welcome to St. Simons Island, Georgia - where the soothing melody of crashing waves serenades a community steeped in Southern charm and natural splendor. Situated on the picturesque coast of Georgia, St. Simons Island beckons with its rich history, diverse attractions, and a relaxed island lifestyle. Join us as we embark on a journey through time, explore the island's notable landmarks, and uncover why this coastal gem is an idyllic place to call home.

St. Simons Island boasts a history that stretches back centuries, leaving a lasting imprint on its culture and character. The island's story begins with the indigenous Guale tribe, who inhabited the area long before European exploration. In the 18th century, St. Simons Island became a strategic hub for the colonial powers of Spain, England, and France, each leaving their mark on the island's architecture and heritage.

One cannot overlook the significance of the historic Christ Church on the island. Founded in 1736, this parish has stood the test of time and witnessed the ebb and flow of St. Simons' evolution. Its beautiful architecture and serene setting make it an essential stop for those seeking to connect with the island's storied past.

Venture beyond the hallowed halls of history, and you'll discover an island brimming with natural beauty and captivating attractions. Take a leisurely stroll along the Pier Village, where the heritage of the island seamlessly merges with modern delights. Peruse the boutique shops, indulge in coastal cuisine, and savor the sunsets as you relax on the expansive pier, offering panoramic views of the Atlantic Ocean.

No trip to St. Simons is complete without exploring the iconic St. Simons Lighthouse and Museum. Journey up the spiral staircase to the top of the lighthouse for breathtaking vistas of the island. Delve into the museum's exhibits to unravel the island's maritime past and learn about the fascinating stories of its keepers.

History melds seamlessly with nature on St. Simons Island, beckoning explorers to its natural wonders. Discover the ethereal beauty of the maritime forest at the Bloody Marsh Battle Site, where a pivotal battle in the architectural gem, The Lodge at Sea Island, where understated elegance meets unparalleled luxury. St. Simons Island offers a range of housing options to cater to different needs, including magnificent beachfront properties and charming coastal cottages.

For RV enthusiasts seeking to experience the island's treasures, the Epworth By The Sea Retreat and Campground provides a scenic and peaceful camping experience. Nestled under the canopy of majestic oaks and offering modern amenities, this campground is ideal for those wanting to immerse themselves in the island's natural beauty.

Mobile, manufactured, and modular homeowners will find St. Simons Island a haven of tranquility and coastal lifestyle. Explore communities such as Sea Palms, where meticulously designed homes blend seamlessly with the island's landscape and offer waterfront access, golf courses, and an array of amenities that enhance the living experience.

While the allure of St. Simons Island is undoubtedly captivating, its appeal as a place to live runs deeper. A tight-knit community, exceptional schools, and access to quality healthcare make St. Simons an ideal destination for families and individuals seeking a harmonious and vibrant coastal lifestyle.

As you traverse the cobblestone paths, bask in the beauty of the golden sunsets, and embrace the island's laid-back charm, you'll come to understand why St. Simons Island has captured the hearts of residents and visitors alike. Revel in the island's enchanting atmosphere, indulge in its culinary delights, and immerse yourself in the timeless allure of St. Simons, Georgia.

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 Canton, GA

Weather & Environmental Risks:

  • Description: St. Simons, Georgia is vulnerable to coastal erosion and sea level rise, which can lead to the loss of beaches, destruction of coastal infrastructure, and increased risk of flooding.
  • Data:
    • St. Simons is located on a barrier island along the Atlantic coast, making it susceptible to erosion from wave action and storms.
    • Sea levels along the Georgia coast have risen by approximately 8 inches over the past century and are projected to continue rising.
  • Tips for mobile homeowners, RV owners, and residents:
    • Consider investing in protective measures for your mobile home or RV, such as elevating the structure or installing storm-resistant features.
    • Stay informed about local erosion control initiatives and adhere to any beach nourishment or dune restoration efforts.
    • Consult with local authorities and experts to understand the long-term risks and potential mitigation strategies for your property.
  • Description: St. Simons, Georgia faces the risk of tropical storms and hurricanes, which can bring heavy rain, strong winds, storm surge, and potential coastal flooding.
  • Data:
    • St. Simons is located within the hurricane-prone Atlantic Basin and can be directly impacted by tropical systems.
    • Hurricane season in the Atlantic spans from June to November, with the peak occurring between August and October.
  • Tips for mobile homeowners, RV owners, and residents:
    • Stay updated with the latest tropical weather forecasts and heed evacuation orders from local authorities if necessary.
    • Secure or relocate your mobile home or RV well in advance of a tropical storm or hurricane threat.
    • Create a disaster preparedness kit containing essential supplies such as non-perishable food, water, flashlights, and a battery-operated radio.
  • Description: St. Simons, Georgia experiences the risk of saltwater intrusion, which can impact the quality of drinking water supplies by introducing saline water into freshwater aquifers.
  • Data:
    • Saltwater intrusion is more likely during drought conditions or due to the over-pumping of groundwater resources.
    • The presence of saline water can render freshwater unfit for consumption and agricultural use.
  • Tips for mobile homeowners, RV owners, and residents:
    • Stay informed about local water quality reports and follow any water usage restrictions to help conserve freshwater resources.
    • Consider installing a water filtration system or using bottled water for drinking and cooking during periods of saltwater intrusion.
    • Engage in water conservation practices such as fixing leaks and using water-efficient appliances.

By considering these unique and specific tips, mobile homeowners, RV owners, and residents in St. Simons, Georgia, can better prepare for the weather and environmental hazards specific to the area. It is important to stay informed by monitoring local weather updates, following guidance from local authorities, and having an emergency plan in place.

Note: Weather patterns and risks can vary from year to year. It is advisable to consult local resources and authorities for the most up-to-date information and tailored recommendations regarding weather hazards in St. Simons, Georgia.

Recommended Attractions in/around St. Simons:

  • Description: A scenic park with pristine beaches, tidal creeks, and vast stretches of marshland.
  • Tips:
    • Take a bike ride or walk along the park’s many trails and explore the island’s natural beauty.
    • Enjoy swimming, fishing, or kayaking in the park’s waterways.
  • Description: A historic fort and townsite dating back to the colonial era, with visitor center and museum.
  • Tips:
  • Description: A historic lighthouse located in a beautiful setting with great views of the island.
  • Tips:
    • Climb to the top of the lighthouse and enjoy panoramic views of the island.
    • Visit the adjacent museum to learn about the lighthouse’s history and connection to the island’s maritime history.
  • Description: A beautiful stretch of white sand beach on the eastern end of St. Simons Island.
  • Tips:
    • Enjoy a leisurely day of lounging on the beach, swimming, and soaking up the sun.
    • Bring a picnic and indulge in a relaxing meal while enjoying the views of the ocean.
  • Description: A historic site with a beautiful park and views of the Frederica River.
  • Tips:
    • Enjoy a picnic or a relaxing stroll in the park and take in the scenic views of the river and marshes.
    • Launch your boat at the boat ramp and explore the nearby waterways.
  • Description: A family-friendly park with a playground, swimming pool, and mini-golf course.
  • Tips:
    • Bring your kids to enjoy the various activities in the park, including the pool, playground, and mini-golf.
    • Take a leisurely walk through the park and enjoy the scenic views of the nearby ocean and pier.
  • Description: A historic church with beautiful architecture and a serene setting.
  • Tips:
    • Attend a service or take a tour of the church to learn about its history and significance.
    • Take a peaceful walk around the church’s cemetery and appreciate the beauty of the surrounding oak trees.
  • Description: A museum showcasing the history of St. Simons Island’s role during World War II.
  • Tips:
    • Visit the museum to learn about the island’s role in the war effort and its connection to the military.
    • Take a guided tour of the museum and gain a deeper appreciation for the sacrifices made by the men and women who served.
  • Description: A historic plantation with an antebellum home, museum, and nature trails.
  • Tips:
    • Take a guided tour of the plantation and learn about its history and the people who lived and worked there.
    • Explore the nature trails and enjoy the beauty of the surrounding marshes and wildlife.
  • Description: A vibrant downtown area with unique shops, restaurants, and a fishing pier.
  • Tips:
    • Take a leisurely stroll through the village and enjoy the various shops and dining options.
    • Visit the pier and enjoy fishing or taking in the stunning views of the ocean and nearby lighthouse.

These attractions in and around St. Simons, Georgia, offer a range of outdoor activities and experiences that cater to people who live in mobile homes, enjoy outdoor living, or travel in RVs. From state parks and historic landmarks, to beautiful beaches and downtown areas, St. Simons provides ample opportunities for an enjoyable and adventurous lifestyle!

Crime Rates:

    • The crime rate in St. Simons, GA is higher than the national average for both violent and property crimes.
    • The violent crime rate in St. Simons, GA is 23.8, which is higher than the US average of 22.7.
  • The property crime rate in St. Simons, GA is 62.2, which is significantly higher than the US average of 35.4.

 

  1. Secure your property: Due to the higher crime rate in St. Simons, it is important to secure your property. Install strong locks on doors and windows, consider installing a security system, and use motion-sensor lighting to deter potential criminals.
  2. Build connections within the community: Get to know your neighbors and participate in neighborhood watch programs. Building strong relationships with fellow residents can help create a sense of community vigilance and provide additional eyes and ears to help keep the neighborhood safe.

Additional Tips:

GEORGIA CAMPGROUNDS AND RV PARKS

Research and book campsites or RV parks in Georgia well in advance of your trip. Consider visiting coastal areas, such as Jekyll Island or Tybee Island, for scenic camping. Explore the many natural parks, including Chattahoochee-Oconee National Forest, for outdoor adventures.

GEORGIA TRAFFIC LAWS

Familiarize yourself with Georgia's specific traffic laws and regulations. Observe speed limits and obey traffic signs when driving your RV or mobile home. Be mindful of any RV-specific parking restrictions or laws in different cities or counties.

CONSTRUCTION

Hire a licensed and reputable contractor to install a modular home. Use high-quality materials and finishes for construction and installation. Ensure that the modular home is well-installed before final setup .

MAINTENANCE

Follow the manufacturer's care guidelines for your modular home. Inspect your home regularly for structural damage and wear. Keep plumbing, HVAC, and other systems well-maintained.

LIABILITY INSURANCE

Purchase liability insurance to protect yourself financially in case someone is injured on your property or as a result of your mobile home. Review your policy limits to ensure you have adequate coverage. Consider an umbrella liability insurance policy for additional protection beyond your standard coverage.

SEASONAL MAINTENANCE

If you plan to travel with your mobile home or RV, perform routine maintenance before each trip. Check tires, brakes, and other mechanical components for proper functioning. Inspect and clean the roof, seals, and windows to prevent leaks during travel.

Did You Know?

In St. Simons, 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 St. Simons, GA.

If you're in the market for a mobile or manufactured home in St. Simon, 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 St. Simons.

New Hope Mobile Home Park:

Description: New Hope Mobile Home Park is an all-ages community located at 5410 Us Highway 17 North, Brunswick, GA 31525. Community Features: The park offers a total of 127 sites and provides off-street parking. The street width is narrow, and there are no age restrictions. Home Details: The park features multi section homes with peaked roofs and lap siding. It was built in 1960. Nearby Amenities: New Hope Mobile Home Park is approximately 0.3 miles away from the water, 5 miles from golf courses, and 4 miles from parks.

Southern Retreat RV Park:

Description: Southern Retreat RV Park is a family-friendly RV park located at 7445 Blythe Island Hwy, Brunswick, GA 31523. Facilities: The park offers a wide range of amenities, including a swimming pool, pet-friendly environment, full hook-ups, free cable TV and Wi-Fi, laundry facilities, and WC/showers. There is also a restaurant and bar on-site. Location: Southern Retreat RV Park is situated in the beautiful Golden Isles and is known as one of the best RV parks in Georgia. It offers rental cabins and easy access to area attractions. Contact Information: You can reach the park by phone at 912-261-1025 or via email at southernretreatrv@hotmail.com.

Thornhill Mobile Home Park:

Description: Thornhill Mobile Home Park is an all-ages community located at 4525 Us Highway 17, Brunswick, GA 31525. Community Features: The park has 30 sites with narrow street width and no age restrictions. It was built in 1980. Home Details: Thornhill Mobile Home Park features homes with peaked roofs and lap siding. Approximately 25% of the homes are multisection units. Proximity to Amenities: The park is approximately 0.6 miles away from the water, 2 miles from golf courses, and 2 miles from parks.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in St. Simons, 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 St. Simons, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Canton'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 St. Simons:

  1. Canton Neighborhood Security Patrol Discount: Homeowners in Canton who participate in a neighborhood security patrol program, where residents take turns patrolling the area, may be eligible for a discount on their property insurance premiums. This encourages community involvement in crime prevention and provides financial incentives for proactive safety measures in Canton.
  2. Tool Theft Protection: Canton is known for its significant construction industry, and tool theft can be a concern. Consider adding additional coverage to your property insurance policy to protect valuable tools and equipment used in construction or other trades from theft or damage unique to Canton’s property crime trends.
  1. Deductible Waiver for Tornado Damage: Canton is located in an area prone to tornadoes. Consider adding an endorsement to your homeowners insurance policy that waives the deductible for tornado-related damage. This ensures that in the event of a tornado, you won’t have to pay the deductible, making it easier to recover and rebuild from such a catastrophic event unique to Canton’s weather patterns.
  2. Sump Pump Failure Coverage: Given Canton’s occasional heavy rainfall and flood risks, consider adding coverage for sump pump failure to your homeowners insurance policy. This endorsement provides protection against water damage resulting from a malfunctioning sump pump, helping mitigate potential losses unique to Canton’s weather patterns.
  1. Canton-Specific Mobile or Manufactured Home Insurance Policies: Opt for a specialized mobile or manufactured home insurance policy specifically designed for Canton. This policy should include coverage tailored to the area’s weather risks, such as tornadoes and flooding, as well as any unique challenges associated with mobile or manufactured homes in Canton.
  2. Trip Collision Coverage for Mobile or Manufactured Home Renters: If you rent a mobile or manufactured home in Canton and frequently move your home, consider adding trip collision coverage to your insurance policy. This endorsement provides protection against collisions or accidents that may occur while relocating your rented home, ensuring you are covered during transport.
  1. Tree Limb Damage Coverage: Canton’s wooded areas can present hazards for RV owners. Consider adding an endorsement to your RV insurance policy that provides coverage for tree limb damage. This ensures protection against any damages caused by falling branches or trees when parking or traveling in Canton’s forested regions.
  2. Extended Coverage for Personal Effects: RV owners often carry personal belongings while traveling. Consider adding extended coverage for personal effects to your RV insurance policy, providing extra protection for valuables such as electronics, clothing, and other belongings unique to your lifestyle in Canton.

Remember to consult with insurance professionals familiar with Canton's specific insurance needs for personalized advice and coverage options suited to your situation.

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

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