Best Mobile Home Insurance Companies In Georgia

Mobile homes (also called “manufactured homes”) differ from traditional homes when it comes to buying coverage that best protects your mobile home and belongings. Because of the exposure and vulnerability of mobile homes to violent windstorms, hail, and water damage, it can be challenging in some instances to qualify for mobile home insurance in Georgia.

If you’re looking for the best mobile home insurance policy for you and your family, there are numerous considerations, including cover features and cost. To help you find the right coverage at the right price, we’ve identified the top-rated companies (and chose Foremost as the “Best Overall” for mobile home insurance) to protect your home and property.

How To Find The Best Mobile Home Insurance Company For You

To find the best mobile home insurance and the right company for you, follow these steps

• Select at least three companies we’ve reviewed to get quotes. Getting multiple quotes will help you become more knowledgeable about mobile home insurance and ensure you’re not going to overpay for your coverage.

• Decide what perils to have covered. Having fire protection is standard in mobile home policies, but you need to consider if you live near water or mountains that could cause flooding, for which you might need a separate flood insurance policy, depending upon the insurer.
• Think about any valuable or unique items you have. Adding up the value of these and your other possessions will help you arrive at the right policy limits, which will keep you from over-insuring and overspending.

• Factor in upgrades, renovations, or other major work that could impact your mobile home’s value when you get a quote

Before or after you get quotes, take photographs and record serial numbers of valuables, appliances, and other items you’ll be insuring. Keep this information in a sturdy, fireproof container or at a different location. This information will come in handy in the event of a claim.

Do You Need Mobile Home Insurance In Georgia?

We believe you need mobile home insurance in The Peach State.

First, if you’re going to have a mortgage when you buy your mobile home, your lender will probably require it.

Second, any home in Georgia, with or without a mortgage, faces the unpredictable perils of violent thunderstorms containing damaging winds, hail storms, tornadoes, tropical storms, and hurricanes coming in from Florida or off of the Atlantic Ocean.

Last, check with your mobile home park or community and see if mobile home insurance is required for residents.

What Does Mobile Home Insurance Cover?

A standard mobile home policy generally features the following coverage:

Dwelling Coverage

This coverage pays to repair or replace the structure of your mobile home if it’s damaged by events your policy covers, up to a limit you choose. You’ll also select a deductible, which you have to pay before the insurer pays any amount for an approved claim.

Events such as these are generally covered:

• Fire
• Lightning
• Explosions
• Vandalism
• Falling objects
• Wind and hail
• Weight of ice and snow
• Damage from wild or stray animals
• Burst pipes

Other Structures Coverage

Pays to repair a shed, fence, or other structure that isn’t attached to your mobile home if an event covered by your policy damages it.

Personal Property Coverage

This coverage pays to replace or repair electronics, furniture, and other belongings if they’re damaged or stolen.

Liability Insurance

Pays if a visitor is hurt and sues you or you accidentally cause property damage or injuries to others. Liability insurance often also covers related legal expenses.

 What Does Manufactured Home Insurance Not Cover In Georgia?

Mobile home insurance is similar to homeowners insurance in that there are several major exclusions you should know about:

Damage Caused By Natural Flooding

Mobile homes in Georgia are susceptible to flooding from the many rivers and lakes in the state that can cause damage when overflowing from the heavy summer rains that happen due to the summer heat and high humidity levels. If water from these overflows enters the mobile home, there is no coverage for the damage it causes.

With miles of Georgia being situated on the Atlantic coast, mobile home owners in coastal areas are not immune from damage caused by flooding caused by hurricanes. This type of damage also is not covered by your mobile home insurance.

Expensive Valuables & Collectibles

A standard mobile home insurance policy offers limited coverage for valuables, such as jewelry, guns, or other collectibles. If you have an extensive art collection or other collectibles, or a collection of fine wine or expensive jewelry, you’ll need to take out an endorsement increasing the coverage on these items since losses will not be covered over a dollar amount state in your policy.

Identity Theft Protection

Identity theft protection is not covered under a standard mobile home policy in Georgia. If this is an area of concern for you, many credit card issuers offer identity theft protection as a cardmember benefit. You can also purchase standalone identity theft protection.

Average Cost Of Home Insurance In Georgia

Though no insurers we reviewed provide prices on their websites, we estimate that the cost of mobile home insurance in Georgia will fall between $40 and $125 per month, depending on your coverage limits, deductible, options selected, and other factors detailed below.

Factors that impact the cost of your mobile home insurance policy in Georgia

Many factors affect your mobile home insurance rates, including:

• Where you live (zip code)
• The age of your home
• The cost to replace your home
• The limits and coverage you select
• Your deductible
• Your claims history

All of the insurers we’ve reviewed offer different types of discounts to mobile home insurance policyholders, such as bundling your coverage with auto insurance.

How To Buy Mobile Home Insurance Online In Georgia

Following these steps will make buying a mobile home insurance policy online a simple and relatively quick experience.

• Decide how much protection you need. In addition to your dwelling, add up the contents of your mobile home to calculate the property damage limits you need to replace your home and valuables.

• Get an online quote. Most companies selling mobile home insurance in Georgia provide the ability for you to get an online quote. There are also some websites that will do a coverage and cost comparison making online shopping for coverage even easier.

• Complete the application. Once you’ve arrived at the amount of coverage you need for a price you can afford, you’ll need to complete an application for coverage. Many insurers’ websites provide the ability for you to apply online, but some will require that you meet with an agent to complete the application.

Unique Considerations For Mobile Home Insurance In Georgia

Similar to its neighbor to the south, Florida, Georgia is susceptible to all kinds of rough weather, including:

• Wildfires
• Damaging winds
• Lightning
• Tornadoes
• Hurricanes
• Tropical storms
• Hail
• Flood damage

For this reason, we recommend that every mobile home owner in Georgia have adequate coverage.

How To Find Cheap Mobile Home Insurance In Georgia

To find cheap mobile home insurance in Georgia, obtain quotes from at least three insurance companies. You’ll find rates vary by insurer for their basic coverage, as well as their options. Be sure to ask about any discounts that you can take advantage of.

We recommend that you not choose an insurer based on price alone. Make sure you have the right limits and that you’re getting an apples-to-apples comparison when you get quotes.

Looking For Mobile Home Insurance In Other U.S. States?

• Best Mobile Home Insurance In Ohio
• Best Mobile Home Insurance In Florida
• Best Mobile Home Insurance In South Carolina
• Best Mobile Home Insurance In Louisiana
• Best Mobile Home Insurance In California
• Best Mobile Home Insurance In Michigan
• Best Mobile Home Insurance In Texas