Does Stillwater write manufactured homes and landlord policies in Georgia?

All FAQs

Quick answer: Yes, Stillwater writes manufactured (mobile) homes and landlord dwelling policies in Georgia where most standard carriers will not.

Stillwater writes a broad range of property products and is often a good option for homes and situations that standard preferred carriers avoid. Its appetite can include manufactured homes, certain specialty homes, and landlord and rental property coverage. Eligibility depends on home age, condition, construction type, and location. Stillwater is available through Olive Cover.

Why do manufactured homes face a smaller carrier pool in Georgia?

Many preferred carriers in Georgia have tightened their underwriting standards over the past several years. Roof age requirements have grown stricter. Some carriers have pulled back from older manufactured homes entirely or from landlord policies on single-family rentals. That leaves property owners with real gaps to fill.

Most standard homeowners carriers write site-built construction only. A HUD-compliant manufactured home, one built to federal standards after June 15, 1976, can qualify for a manufactured home policy, but the pool of willing carriers is smaller than for conventional construction. Stillwater's appetite includes manufactured homes, subject to the usual eligibility criteria around age, foundation type, condition, and tie-down compliance.

For example, a HUD-compliant manufactured home built in 1998 with a permanent masonry foundation and current tie-down compliance may qualify under Stillwater where most preferred carriers would decline due to age restrictions.

What is a landlord policy and how does it differ from a standard homeowners policy?

Landlord policies, sometimes called dwelling fire or rental dwelling policies, are a different product from a standard homeowners policy. They cover the structure and any attached structures, liability exposure from the tenant, and loss of rental income if a covered event makes the property uninhabitable. Personal property coverage for the tenant's belongings is typically not included. Tenants need their own renters insurance for that. Stillwater writes landlord policies in Georgia, which matters to property owners who rent out one or more single-family homes or smaller multi-family properties.

For example, a landlord who owns a single-family rental in Lawrenceville needs a dwelling fire policy to cover the structure and rental income loss, not a standard homeowners policy, because a standard policy excludes properties used primarily as rentals.

What factors affect eligibility for Stillwater coverage in Georgia?

Several factors shape whether a manufactured home or rental property qualifies:

  • Year of manufacture or construction, older homes face more scrutiny
  • Roof age and condition, Georgia carriers broadly apply roofing standards after years of storm losses
  • Location, flood zones, wildfire proximity, and rural access all affect underwriting
  • Property condition and vacancy history, extended vacancy or deferred maintenance can disqualify a property
  • Number of units, a single-family rental and a four-unit building are underwritten differently

Is Stillwater the right choice for your Georgia property?

Stillwater is one option in this space, not the only one. The right fit depends on the specific property, its history, and the coverage structure that actually protects what you own. A coverage review can compare what is available for your manufactured home or rental property and match coverage to the actual situation.

Request a coverage review to see what property options are available for your situation.