Can I get homeowners insurance on a mobile home in Georgia?

Manufactured and mobile homes require specialty insurance designed for the construction type, not standard homeowners policies. The major underwriting factors are home year (some carriers cap appetite at 20 to 30 years), anchoring and tie-down condition (Georgia requires proper anchoring), roof age and condition, and location (coastal Georgia faces stricter wind underwriting). Foremost is the primary manufactured-home specialist for Georgia, with the broadest appetite across age and condition. Stillwater is an alternative for non-standard situations. Roofs older than 15 to 20 years often settle on actual cash value rather than replacement cost, so roof replacement before quote can substantially improve terms.