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

Can you insure a mobile or manufactured home in Georgia?

Yes. Mobile and manufactured homes in Georgia are insurable, but coverage is typically written on a specialized mobile home policy rather than a standard homeowners form. The structure works similarly: it can protect the home itself, personal belongings, personal liability, and additional living expenses if a covered loss forces a temporary move out.

What do insurers look at during underwriting for a manufactured home?

Manufactured homes are built to a federal HUD code rather than a local or state building code. That classification shapes what insurers evaluate during underwriting. The home’s age, anchoring system, roof type, and distance to a fire department all affect price and eligibility. Georgia does not set its own tie-down law, but most insurers require anchoring systems designed for the local wind zone under HUD installation standards. A home that is not properly anchored is often ineligible or carries a higher rate.

For example, a 2005 single-wide in rural Tift County with no permanent anchoring may be declined by standard carriers and need coverage through the non-standard market. A 2019 double-wide anchored to HUD wind zone requirements on a permanent foundation often qualifies with a broader set of insurers at a lower rate. Understanding the difference between admitted and non-admitted carriers matters here because mobile home policies sometimes come from the non-standard market.

Does the home’s age affect how a claim is paid?

Age directly affects the valuation basis. Homes under roughly 20 years old can often be insured on a replacement cost value basis, which pays to rebuild at today’s costs. Homes over 20 years old are frequently limited to actual cash value, which deducts depreciation before paying. On an older home, that gap between what it costs to rebuild and what the policy pays can be significant. See how replacement cost compares to actual cash value in practice to understand what that difference means for a claim settlement.

Does land ownership change what the policy covers?

Land ownership does shape the policy. If you own the land beneath the home, the policy can bundle structure and land liability together. If you rent a lot in a manufactured home community, the community’s coverage does not extend to your home or belongings. In that case, you still insure the structure and your personal liability separately.

For example, an owner of a 2018 double-wide near Macon insures it for $95,000 in structure coverage on a replacement cost basis. After a hailstorm damages the roof, the policy pays to replace it minus the deductible/" class="oc-glossary-link">wind and hail deductible. An actual cash value policy on the same home would have deducted years of depreciation from the roof’s value first, leaving a larger out-of-pocket gap. Wind and hail are among the most common claims in Georgia, so the deductible for those perils is often a separate percentage-based amount rather than a flat dollar figure.

What other coverage considerations apply to Georgia manufactured home owners?

Flood coverage is almost never included in a standard mobile home policy. Georgia has areas with meaningful flood exposure, and manufactured homes can be more vulnerable to flood damage than site-built homes. Learn about why flood is excluded from standard home policies and what a separate flood policy covers.

• Wind and hail deductibles are often percentage-based rather than flat dollar amounts on manufactured home policies.
• Lot renters still need their own liability coverage; the community’s policy does not cover you.
• Some policies include loss of use coverage, which pays for temporary housing if the home is uninhabitable after a covered loss.

Coverage and price vary significantly by home age, location, and anchoring. A free coverage review can match your manufactured home with a policy that fits both the structure and the budget.