How do I insure a manufactured or mobile home in Georgia?
You insure a manufactured or mobile home in Georgia with a specialized manufactured home policy, not a standard homeowners policy. These homes are built differently and face different risks, so they need coverage designed for them.
A manufactured home, sometimes called a mobile home, is built in a factory and transported to its site. Because of how it is constructed and anchored, many standard homeowners insurers will not write it, which is why a dedicated manufactured home program exists. The good news is that the coverage works much like a regular home policy once you have the right form.
What the coverage includes
- Dwelling coverage for the home structure itself, including damage from fire, wind, hail, and other covered events common in Georgia.
- Personal property coverage for your belongings inside, such as furniture, electronics, and clothing.
- Liability coverage if someone is injured on your property or you accidentally damage someone else’s property.
- Additional living expenses to help pay for a place to stay if a covered loss makes your home unlivable.
- Other structures like attached decks, carports, and skirting, which are common on manufactured homes.
Pay close attention to how the structure is valued. Some policies pay replacement cost, which covers the full cost to rebuild or replace, while others pay actual cash value, which subtracts depreciation. The difference can be large. You can learn more about that choice on our actual cash value page.
For example, say a windstorm tears the roof off a manufactured home near Macon and causes $40,000 in damage. On a replacement cost policy, the insurer pays to fully restore the home after your deductible. On an actual cash value policy, you might receive only $28,000 after depreciation, leaving you to cover the rest.
Anchoring, the home’s age, and its location all affect what coverage is available and what it costs. We can compare options designed specifically for manufactured homes in Georgia. Get a free coverage review at /coverage-review/ and we will help you insure it the right way.