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Mobile Home Insurance In Georgia

A Comprehensive Guide to Costs and Key Considerations

Owning a mobile or manufactured home in Georgia comes with unique risks and benefits. Known as the Peach State, Georgia offers a diverse range of housing options, with mobile and manufactured homes playing a significant role. According to the Manufactured Housing Institute, Georgia ranks among the top states for manufactured home shipments. Mobile home parks and communities are widespread across the state, providing a range of options for homeowners and potential buyers.

Georgia has specific laws governing the installation and regulation of mobile and manufactured homes, ensuring these dwellings meet safety and quality standards. The Georgia Department of Community Affairs oversees the manufactured housing industry in the state, providing resources and assistance for mobile homeowners and prospective buyers. Meanwhile, the Georgia Office of Insurance and Safety Fire Commissioner plays a pivotal role in regulating the insurance industry, offering consumer protection resources, and providing help with insurance-related complaints and queries.

In this guide, we’ll discuss the cost of mobile home insurance in Georgia, factors to consider when searching for a policy, and how to find the best coverage for your needs. Understanding these aspects will ensure you’re well-prepared to protect your home from unforeseen events, considering Georgia’s unique weather events and regional housing trends.

Does Your Current Insurer Specialize In Manufactured Home Insurance?


Understanding Mobile Home Insurance

Mobile home insurance, also known as manufactured home insurance, protects homeowners from risks specific to their type of dwelling. Since mobile and manufactured homes are typically constructed off-site and then transported to their final location, these insurance policies cover property damage, liability, and additional living expenses resulting from a covered loss.

Factors Impacting Mobile Home Insurance Costs in Georgia


The location of your mobile home in Georgia can substantially affect insurance costs. Factors such as local crime rates, proximity to emergency services, and risks of natural disasters can influence premiums. Homes in regions with lower crime or reduced natural disaster risks might benefit from more affordable insurance.

Weather and Environmental Risks in Georgia

Georgia faces a range of weather events and environmental risks that can affect mobile homes:

  • Hurricanes and Tropical Storms: While Georgia’s coastline is smaller than that of its neighboring states, it’s still susceptible to the impacts of hurricanes and tropical storms. Events like Hurricane Michael in 2018 caused significant damage in the state.
  • Tornadoes: Georgia experiences tornadoes, especially during spring. These can cause significant property damage and loss of life.
  • Flooding: Coastal and low-lying areas in Georgia can be susceptible to flooding, especially during periods of heavy rainfall or storm surges from tropical storms.
  • Thunderstorms: Georgia’s humid subtropical climate can result in frequent thunderstorms, which might lead to property damage from wind, rain, or lightning strikes.

Does Your Current Insurer Specialize In Manufactured Home Insurance?


How to Find the Best Mobile Home Insurance Policy in Georgia

Home Value and Age

The age and value of your mobile home are critical determinants of insurance costs. Older homes may be more susceptible to damages and might be more expensive to insure. Additionally, the home’s size and the materials used in its construction can influence insurance premiums.

Liability Coverage

Liability coverage is vital for any mobile home insurance policy. It provides protection in cases where someone gets injured on your property or if you cause property damage. This coverage can also shield you from legal fees and judgments stemming from lawsuits.

Personal Property Coverage

This aspect of insurance covers the belongings inside your mobile home, including furniture, electronics, clothing, etc. When selecting a policy, ensure that the coverage limits adequately reflect the value of your possessions. Some policies might offer additional endorsements for high-value items.

Compare Quotes from Multiple Insurers

To find the best policy in Georgia, compare quotes from several insurance providers. Each insurer has its methodology for determining rates, so shopping around can help you find the most comprehensive coverage at an affordable price.


Owning a mobile home in Georgia requires a keen understanding of the unique risks and challenges presented by the state’s environment and regional trends. By being well-informed and comparing insurance options, homeowners can secure the best possible protection for their homes and belongings.


  1. Manufactured Housing Institute. (n.d.). Quick Facts: Manufactured Housing. Retrieved from Manufactured Housing Institute
  2. Georgia Department of Community Affairs. Retrieved from Georgia DCA
  3. Office of Insurance and Safety Fire Commissioner. Retrieved from Georgia’s Office of Insurance and Safety Fire Commissioner
  4. Georgia Emergency Management and Homeland Security Agency.

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National Mobile Home Insurance is an Arizona domiciled insurance agency (License #: 3000102138) offering personal lines insurance products to owners of mobile and manufactured homes in AL, AZ, AR, CA, CO, CT, DE, GA, ID, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, & WY. National Mobile Home Insurance is a trade name of NMHIC Corp. In the State of California (License #: 6001537) we operate as an insurance agency under the trade name NMH Insurance Agency. In MO, MT, PA, & UT we operate as an insurance agency under the trade name National Mobile Home Insurance Agency.