Best Mobile Home Insurance Companies In Georgia For 2024
I chose Foremost as the best homeowners insurance company 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.
Best Mobile Home Insurance Companies In Georgia 2024
As you’ll see, each of the companies we’ve reviewed has made our list because they offer different company advantages and policy features that may be best for your unique situation. The best policy for you may not be the same as your friend living in a mobile home a mile down the road.
Here are our shortlisted companies and a snapshot of a few key criteria:
Compare The Best Mobile Home Insurance In Georgia
Now that you’ve seen a snapshot of our category winners, here’s a clearer view that puts them side-by-side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Our Methodology
To arrive at our “Best For” list and overall rating, we based our opinion on each insurer’s standard coverages, optional coverages, online reviews, financial strength, and customer satisfaction ratings.
Pricing was not available online for any of the insurers we reviewed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
The Best Mobile Home Insurance Companies In Georgia
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, offers the standard and optional coverage features you’ll find with other mobile home insurers, but its most competitive feature is “extended replacement cost” coverage.
The value of replacement cost coverage with Foremost: if your mobile home is totally destroyed, you will be eligible to be reimbursed up to 20% above the value of your policy limit.
Foremost is also a stand-out when it comes to customer satisfaction. Its J.D. Power customer satisfaction rating was 868 / 1,000, which was top of all the insurers we reviewed.
However, Foremost doesn’t offer instant quotes on its website. Instead, after submitting your information on a quote form, you’ll receive an email quote within 24 hours.
Foremost is one of the largest mobile insurance providers in the U.S., with more than 38,000 agents representing the company.
Pricing: you can get a quote after entering your information on its website or from an agent appointed with the company
Website: www.foremost.com
Benefits & Drawbacks
⇅- Endorsed by AARP and provides member discounts
- Writes policies covering older mobile homes
- Good range of additional coverage, including debris removal and food spoilage
- Will insure people with credit issues ✓
- No online application is available
- Takes up to 24 hours to receive a quote ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive is appealing because of the discounts it offers new homeowners, its high financial strength and customer satisfaction ratings, and its digital experience. Progressive’s website is easy to navigate, and you’ll receive an instant quote. It also offers a mobile app.
Unique to the mobile home insurers we reviewed was Progressive’s “single deductible” benefit. If you bundle your mobile home and auto insurance with Progressive, any claim you file for either policy applies to both policies instead of having a separate deductible for each policy.
For example, if a hailstorm damages your mobile home’s roof and your car, and you have a $500 deductible for both policies, you only have to pay one deductible, and both will be repaired.
You also receive a bundle discount when you have your mobile home and auto insurance with Progressive.
Progressive also has an endorsement option for “trip collision,” which covers your dwelling and personal property when it’s being moved from one location to another.
Pricing: you can get a quote after entering your information on its website or from an agent appointed with the company
Website: www.progressive.com/mobile-home/
Benefits & Drawbacks
⇅- Has replacement cost coverage available
- Discounts geared toward new homeowners
- Mobile app available ✓
- Consumer ratings less favorable than many mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅While Allstate provides comprehensive coverage for everyone, it offers a special discount to retirees 55+ and original titleholders of their mobile or manufactured homes, which can make a policy more affordable. Allstate also offers a bundle discount, which most insurers offer.
Also unique to Allstate mobile home insurance among insurers we reviewed is its “mine subsidence” coverage, which covers damage to your mobile home caused by a movement of land triggered by a man-made mine. It also offers property protection against damage to satellite dish antennas.
Allstate’s standard mobile home coverage is comparable to its competitors, offering benefits like actual cash or replacement cost coverage for your mobile home structure and personal property, liability protection, and guest medical protection. Optional coverages include protection against water backup, reimbursement for green improvements after a loss, and electronic data recovery.
Pricing: you can get a quote after entering your information on its website or from an agent appointed with the company
Website: www.allstate.com/home-insurance/manufactured-home-insurance
Benefits & Drawbacks
⇅- Discounts for retirees and original title holders
- Mobile app available
- Good optional coverage choices ✓
- Customer experiences vary depending on your local agent
- No immediate online quotes ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Not quite as well known as some of its competitors with bigger advertising budgets, American Family is among the top eight home insurers in the U.S. by market share. With its discounts, this insurer offers you a variety of ways to save on your monthly premium.
You can qualify for discounts with American Family if you:
- Bundle your mobile home and auto insurance
- Equip your home with smart devices like Ring or Nest
- Live in a newer home you bought in the last three years
- Use the company’s autopay, full pay, and paperless billing features
American Family also offers diminishing deductible coverage. It credits your deductible on day one by $100 – a $1,000 deductible becomes a $900 deductible the day you buy your policy. Then, every year when you renew your policy, your deductible will be reduced up to your policy’s maximum limit.
Pricing: you can get a quote after entering your information on its website or from an agent appointed with the company
Website: www.amfam.com/insurance/manufactured-home/coverages
Benefits & Drawbacks
⇅- A large number of ways to qualify for discounts
- Has a mobile app that can track your claim’s status
- Variety of additional coverage options ✓
- Reports of slow claims processing ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern was founded in 1949 and claims it’s one of the first companies to specialize in mobile home insurance.
It makes its mark in specialized coverage by providing coverage to owners of mobile homes that are vacant or seasonal. This was not offered by other mobile home insurance companies we reviewed.
American Modern does not offer replacement cost for a total loss. For a total loss, it settles at the stated value of your home, which is listed on your policy. There is no depreciation deduction. For a partial loss, it pays the actual cash value of the loss, but you can upgrade to a replacement cost valuation.
Pricing: you can get a quote from an agent appointed with the company
Website: www.amig.com/insurance/mobile-home/
Benefits & Drawbacks
⇅- Has a solid mobile app on which you can report claims
- Understands the mobile home market from decades of experience ✓
- No online quotes; must get from an agent
- Doesn’t offer some discounts that other insurers do ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While most mobile home insurance policies don’t protect against floods, hurricanes, earthquakes, landslides, and mudslides, policyholders with Assurant have protection against these events.
Assurant’s All Risk coverage protects against any sudden and accidental events that cause direct loss or damage to your mobile home (minus a few listed exclusions). In addition, its dwelling and personal property replacement cost coverage replace your home and possessions with new items of like kind and quality, and there’s no deduction for depreciation.
Assurant also covers adjacent structures on your property, such as a shed, fence, or stand-alone garage. It also pays for additional living expenses if your home is too damaged to live in due to a covered loss.
Pricing: you can get a quote from an agent appointed with the company
Website: www.assurantinsuranceagency.com/products-and-services/manufactured-home-insurance
Benefits & Drawbacks
⇅- Covers flood and earthquakes with standard coverage
- Replacement cost for your home and property is standard ✓
- No online quotes, must call toll-free number 7 am to 7 pm
- No mobile app ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers mobile home insurance policies in Georgia are customizable based on your specific needs. Farmers has agents throughout the state that can help you select the right coverage, deductible, and endorsements.
Farmers’ endorsements include green-home improvements to upgrade appliances to systems to energy-efficient models after a claim. You can also sign up for replacement cost coverage for extra personal protection and identity theft coverage.
Farmers also has some discounts for policyowners. They include having a home security system in your home, not smoking, enrolling in paperless billing, having a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.
Pricing: you can get a quote from an agent appointed with the company
Benefits & Drawbacks
⇅- Claim forgiveness prevents rate increases after five continuous years without a claim
- Replaces your personal property that’s lost or stolen, even when you’re away from home ✓
- You can only get a quote from an agent
- Lowest J.D. Power score of insurers we reviewed ✘
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?
FAQs
Is mobile home insurance more expensive in Georgia?
Generally, mobile home insurance in Georgia is no more expensive than it is for its neighboring states in the Southeast, except for Florida, where many insurers don’t offer insurance for mobile homes.
Do you need mobile home insurance in Georgia?
Your mortgage company may require you to have insurance on your mobile home, though it’s not mandated by any state law. However, we strongly recommend that you have mobile home insurance, with or without a mortgage.
How are mobile home insurance rates determined?
Numerous factors, including your location, coverage limits, deductible, and any applicable discounts, determine mobile home insurance rates.
