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Manufactured home on a rural property, mobile home insurance

MOBILE HOME INSURANCE

Mobile home insurance, written for the actual risk.

Manufactured and mobile homes are underwritten differently than stick-built homes. Construction type, year built, anchoring, and roof age all matter. We review the carriers in Georgia with real manufactured-home appetite.

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WHAT'S COVERED

What manufactured home insurance covers.

Dwelling and structures

The cost to repair or replace the manufactured home itself after a covered loss. Standard perils include fire, windstorm, hail, theft, and vandalism. Replacement cost versus actual cash value matters; older units often only qualify for ACV.

Personal property

The contents inside the home, including furniture, electronics, appliances, and clothing. Typically a percentage of the dwelling limit, often 50 to 70 percent.

Personal liability

Bodily injury and property damage to others arising from your home or your activities. Standard limits are $100K to $300K with higher available.

Additional living expense

If a covered loss makes the home uninhabitable, ALE pays for temporary housing, food, and other expenses while repairs happen.

IMPORTANT LIMITATIONS

Where manufactured home policies tighten up.

Roof age and condition

Carriers underwrite roof age tightly on manufactured homes. Roofs older than 15 to 20 years may face ACV settlement on roof claims, surcharges, or coverage declines. Roof replacement before quote helps a lot.

Anchoring and tie-downs

Mobile homes must be properly anchored to qualify for coverage in many cases. Some carriers require a Georgia state-approved tie-down inspection or photos of anchoring before binding.

Flood and earthquake

Same exclusions as standard homeowners. Flood requires a separate NFIP or private flood policy; earthquake is excluded entirely.

Age limits

Some carriers cap the age of manufactured homes they will write, often at 20 to 30 years. Older homes route to specialty carriers like Foremost or Stillwater rather than standard markets.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers we work with hold an A or better financial strength rating and are appointed in the state. We compare them and recommend the right fit.

CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

COMMON QUESTIONS

Frequently Asked Questions

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.

Yes, but through specialty manufactured-home carriers, not standard homeowners. Foremost is the primary writer in Georgia. Roof age, anchoring, and home year matter.

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How much does mobile home insurance cost in Georgia?

Manufactured home insurance pricing in Georgia depends on home replacement cost, year of manufacture, location (metro Atlanta, north Georgia, coastal, or rural), roof age and condition, anchoring quality, and claims history. A newer double-wide in a mobile home park with current anchoring and a 5-year-old roof might run $700 to $1,200 annually. An older single-wide with an aging roof or coastal location can run $1,500 to $2,500 or more. Bundling with auto can reduce premium 10 to 20 percent. Some Georgia counties have higher wind exposure that adds to base rates.

Most Georgia manufactured-home owners pay $700 to $2,500 annually. Pricing depends on home value, year, location, roof condition, and anchoring status.

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Is a modular home insured the same as a manufactured home?

The distinction matters for coverage and pricing. Modular homes are built in sections off-site, then assembled on a permanent foundation that meets local building codes. They are typically classified as site-built homes for insurance purposes and eligible for standard homeowners policies (Travelers, Nationwide, Safeco, etc.). Manufactured homes are built to federal HUD standards on a permanent chassis, regardless of whether the chassis is removed or left in place. These require specialty manufactured-home insurance through carriers like Foremost or Stillwater. If you are unsure of classification, check the home's HUD tag (if present) or ask the manufacturer. A misclassified policy can be a coverage problem at claim time.

Usually no. Modular homes (built off-site, assembled on a permanent foundation) typically qualify for standard homeowners. Manufactured homes (HUD-coded, on a chassis) require specialty mobile-home insurance.

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IN GEORGIA

How this works in Georgia

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Manufactured home owners in Georgia: get a carrier that actually wants the risk.

The Coverage Review walks through your home year, anchoring, roof age, and location. We compare the manufactured-home specialists in our review set and surface the right carrier and structure.

Manufactured home premiums vary by home value, age, location, claims history, and roof condition. Most Georgia manufactured-home owners pay between $700 and $2,500 annually.

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