Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Acworth, GA

Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Acworth, GA : Costs, Coverage, and Considerations

Welcome to Acworth, Georgia – a picturesque city where history and natural beauty blend harmoniously, offering residents and visitors a serene escape from the bustling pace of urban life. Located in Cobb County, Acworth exudes a small-town charm while providing modern amenities and a vibrant community spirit. With its rich history, charming downtown, and abundance of recreational activities, Acworth beckons adventurers, nature enthusiasts, and those seeking a tranquil place to call home.

Acworth’s roots trace back to the early 19th century when it was established as a railroad town along the Western and Atlantic Railroad. The city’s significance grew during the Civil War as it served as a strategic location and was the site of a significant railroad battle known as the Great Locomotive Chase. Today, visitors can explore the storied past of Acworth at the Southern Museum of Civil War and Locomotive History, where artifacts and exhibits showcase the town’s involvement in this pivotal period of American history.

Immerse yourself in the charm of Acworth’s historic downtown, where vibrant storefronts and quaint boutiques line the streets. Stroll along Main Street and discover hidden treasures, from antique shops to locally owned eateries offering delectable cuisine. Acworth’s historic district is also home to the beloved Collins Avenue Beach, situated on Lake Acworth. With its soft sandy shores and crystal-clear waters, it serves as a local gathering spot for picnicking, swimming, and soaking up the sun.

Nature lovers will delight in the abundance of outdoor activities Acworth has to offer. Situated near both Lake Acworth and Lake Allatoona, the city provides ample opportunities for boating, fishing, and water sports. The surrounding parks, such as Cauble Park and Logan Farm Park, offer well-maintained trails for hiking, biking, and enjoying scenic views of nature. For a truly immersive experience, wildlife enthusiasts can explore the 6.5-mile Acworth Slide Trail, which winds through diverse ecosystems, offering glimpses of native wildlife and tranquil views of Lake Allatoona.

Obscure facts about Acworth add to its allure. Did you know that Acworth is home to the smallest Main Street in America, stretching only two-tenths of a mile? Additionally, Acworth is known as the “Lake City” due to its proximity to more than two dozen lakes within a 10-mile radius, making it a haven for water enthusiasts.

Acworth’s appeal as a place to live extends beyond its natural beauty and vibrant downtown. The city boasts excellent schools, making it an ideal location for families. Additionally, Acworth’s strong sense of community is evident through its numerous annual events and festivals, including the Taste of Acworth and the popular Acworth Art Fest.

RV enthusiasts will find their oasis in Acworth with its variety of outdoor recreational options and well-equipped campgrounds. Red Top Mountain State Park, situated on Lake Allatoona, offers RV camping facilities along with access to hiking trails, fishing spots, and stunning lake views. If you prefer a more secluded experience, check out Sweetwater Creek State Park, a short drive away, where you can revel in the natural beauty of waterfalls, dense forests, and serene hiking trails.

For those seeking alternative housing options, Acworth provides a range of choices for mobile, manufactured, and modular homeowners. Communities like Allatoona Estates offer a serene, community-oriented setting with convenient access to nearby amenities and recreational opportunities. These communities often feature well-maintained common areas, recreation facilities, and a welcoming neighborhood atmosphere.

As you delve into the tapestry of history, natural splendor, and community spirit that defines Acworth, let the city enchant you with its authentic charm and warm hospitality. So, embrace the slower pace of life, immerse yourself in the great outdoors, and savor the cultural richness that awaits in Acworth, Georgia.

Understanding Mobile Home Insurance in Georgia

In Georgia, while homeowners insurance is not mandated by law, lenders typically require it for financed properties, including mobile and manufactured homes. A standard policy generally includes coverage for the dwelling itself, other structures on the property, personal property within the home, and liability protection.

Understanding Mobile Home Insurance in Georgia

Detached structures on your property, such as a carport or garage
Your personal belongings
Living expenses if your home is seriously damaged by a covered loss
Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).

Mobile and manufactured homes are not eligible for coverage under a standard homeowners insurance policy (H0-3) so you will need a special policy built specifically for mobile homes.

Treating manufactured homes as personal property until they meet specific criteria to be considered real property.
Excluding mobile homes from real property coverage in insurance policies unless they are permanently affixed to the property and meet other statutory requirements.
Requiring a Certificate of Permanent Location to be filed for the mobile home to be insured as part of the real estate.
Ensuring that the manufactured home and the land have common ownership and that the home is taxed in conjunction with the land.
Confirming the surrender of the Certificate of Title for the home when it is considered real property.

These guidelines must be strictly followed to provide policy coverage or delete the manufactured home exception in insurance documents.

Covers the structure, personal property, liability, medical expenses, detached structures, and replacement costs.
Policies may include transportation from the building site to the permanent site.
Excludes flood damage; separate flood insurance is required.

Discuss with an agent to ensure appropriate coverage for potential severe weather damage.
Consider additional coverage for valuable personal items.
Inquire about discounts for installing safety features.

Example of a Manufactured/Mobile Insurance Policy Structure:

Coverage A (Mobile Home): For the home and attached structures, with limits varying by carrier.
Coverage B (Other Structures): Standard 10% of Coverage A.
Coverage C (Personal Property): Typically 30-50% of Coverage A.
Coverage D (Loss of Use): Daily amounts or a percentage of Coverage A.

Coverage E (Personal Liability): Ranges from $25,000 to $100,000, with options for higher coverage.
Coverage F (Medical Payments to Others): Usually between $500-$1,000 per person.

Make sure that you get the right coverage for your manufactured/mobile home, as it is crucial for protection against accidents or damage!

Do I Need Mobile Home Insurance in Georgia?

Not necessarily BUT, owners of mobile or manufactured homes, as well as RVs, are advised to obtain insurance to protect against risks specific to these types of properties.

You need insurance policies that cover the structure, personal property, liability, and possibly additional living expenses in case the home is uninhabitable temporarily.

For manufactured homes that are considered personal property, a physical damage policy is essential, whereas those classified as real property might require a standard homeowner’s policy with special endorsements like the ALTA 7 series.

RV owners should consider policies that cover both the vehicle aspect and the living quarters. Completing the Certificate of Permanent Location is crucial for manufactured homes to qualify for certain types of coverage. It’s advisable to get these policies to safeguard against natural disasters, theft, damage, and liability issues that are inherent in owning and living in these types of homes.

Georgia Mobile Home Insurance Costs Explained

Additionally, due to the transportable nature of mobile and manufactured homes, owners may need specialized policies that consider the unique risks associated with these types of homes, such as their vulnerability to weather events.

Considering Georgia’s climate, coverage for severe weather damage is crucial. Furthermore, for homes near bodies of water, separate flood insurance is recommended due to the high risk of flooding.

Discounts on policies may be available through various qualifiers, like having an alarm system or bundling multiple insurance policies. The cost of these insurances will vary based on factors such as location and the home’s specifications.

For rental properties, landlord insurance is available to protect the investment. Notably, Georgia is home to many historical residences, and special considerations may need to be taken for these homes regarding insurance.

In areas prone to wind-related events, standard policies might not cover wind and hail damage, necessitating a separate windstorm policy or endorsement.
Georgia policies may have separate wind/hail or hurricane deductibles as a percentage of dwelling coverage.

Installing features to withstand high winds can lead to discounts between 5% and 10% on the wind portion of the insurance.

The Georgia Underwriting Association offers coverage for high-risk homeowners who struggle to find standard insurance, though it may be more costly and less comprehensive.

Due to the risk of hurricanes, those near the coast or high-risk flood zones should get separate flood insurance.

Average mobile home insurance costs between $300 and $1,000 annually, varying based on multiple factors and reports.
Discounts may be available for security systems, memberships, or bundling policies.
Opting for higher deductibles can reduce premiums.

RV Insurance Facts in GA :

Coverage Options for Mobile Home Insurance in GA:

Georgia ranks 14th in the U.S. for high RV insurance premiums, averaging $1,235 annually. This is likely due to the state’s susceptibility to natural disasters like hurricanes and tornadoes, increasing the risk of RV damage.

Georgia mandates higher liability insurance for RVs than some states, requiring coverage of $25,000 per person and $50,000 per accident for both bodily injury and uninsured motorist coverage.

RV insurance typically encompasses liability, comprehensive, and collision coverage, as well as under/uninsured motorist protection. Additional options like personal property and roadside assistance are available, especially beneficial for full-timers.

The state’s minimum insurance requirements for RVs include: Bodily injury liability: $25,000 per person Bodily injury liability: $50,000 per accident Property damage liability: $25,000 per accident

Given Georgia’s weather risks, comprehensive coverage, which includes protection against natural disasters, is crucial for RV owners, particularly in areas like Albany known for tornadoes.

Insurance rates can vary based on the RV class, with Class A motorhomes generally incurring higher premiums due to their value and repair costs.

Customized campers should be insured initially, with detailed records kept during renovations to ensure adequate coverage reflecting the RV’s updated value.

Insurance needs differ for full-timers, who might need a policy akin to homeowners insurance, versus recreational users, who may benefit from added vacation liability coverage.

Unique Considerations for Georgia Mobile Home Insurance!

In Georgia, mobile home insurance is shaped by the state’s geographical and climatic conditions. With a higher risk of severe weather events like hurricanes and tornadoes, particularly along the coast, insurers may require specialized coverage or endorsements for windstorm damage.

Given the state’s topography, owners may need to consider additional flood insurance, especially if located in FEMA-designated flood zones or near bodies of water.

Georgia’s specific requirements for liability coverage levels also influence mobile home insurance policies, potentially leading to higher premiums compared to other states. Mobile homeowners must navigate these unique factors to ensure they have comprehensive protection tailored to Georgia’s landscape and regulatory environment.

Tips for Purchasing RV or Mobile & Manufactured Home Insurance in Georgia:

Assess Risks Specific to Georgia: Understand local weather patterns and natural disaster risks, such as tornadoes or hurricanes, to ensure your policy covers these events.
Check Windstorm Coverage: Ensure your policy includes windstorm insurance, particularly if you’re in a high-risk area along the Georgia coast.
Consider Flood Insurance: Given Georgia’s hurricane history, a separate flood insurance policy might be necessary, especially if your home is near water bodies or in flood-prone zones.
Review Liability Requirements: Georgia has specific liability coverage requirements for RVs; verify that your policy meets at least the minimum state requirements.
Opt for Comprehensive Coverage: For full protection, consider a comprehensive policy that covers both collision and non-collision-related incidents.
Understand Deductible Provisions: Familiarize yourself with how deductibles work, particularly for wind/hail, which may be different from your standard deductible.
Investigate Georgia FAIR Plan: If you’re having difficulty obtaining insurance due to high risks, explore the Georgia FAIR Plan as a possible alternative.
Inquire About Discounts: Ask insurers about discounts for safety features or for bundling your RV insurance with other policies.
Secure Personal Property: If your RV or mobile home contains valuable personal items, consider additional coverage for these assets.
Consult with Local Experts: Speak with insurance agents who are experienced with Georgia’s insurance landscape to get the best advice and coverage options tailored to your specific needs.

Choosing the Right Mobile Home Insurance for
Acworth, GA

Weather & Environmental Risks:

Description: Acworth, Georgia is located within the “Dixie Alley,” an area known for a higher frequency of tornado activity in the Southeastern United States. Severe thunderstorms, often accompanied by tornadoes, can occur, posing a significant risk to life and property.
Data:
- Average number of tornadoes per year: 1-2.
- Average number of severe thunderstorm warnings: 15-20 per year.
Tips for mobile homeowners, RV owners, and residents:
- Develop and practice a severe weather plan, including knowing the safest location within your mobile home or RV to seek shelter during tornado warnings.
- Consider anchoring or securely strapping down your mobile home or RV to prevent wind damage.
- Stay informed about severe weather forecasts and warnings through weather alert apps and local news sources.

Description: Acworth is surrounded by Lake Acworth and Lake Allatoona, making it susceptible to flash flooding during heavy rainfall or when the lakes reach capacity. These flash floods can quickly overwhelm drainage systems and cause local flooding.
Data:
- Proximity to Lake Acworth and Lake Allatoona increases the risk of flash flooding in low-lying areas.
- Rainfall events exceeding 4 inches in a short period can result in flooding.
Tips for mobile homeowners, RV owners, and residents:
- If living near the lakes or in a flood-prone area, consider elevating your mobile home or RV to minimize flood damage.
- Avoid parking your RV in low-lying areas prone to flooding.
- Create an emergency kit with essential supplies and keep it readily accessible in case of evacuation or power outages during flooding events.

Description: Acworth experiences long and hot summers, with frequent heat waves and high humidity levels. Extended periods of excessively high temperatures can pose risks to health and well-being.
Data:
- Average high temperature in July: 89°F.
- Average number of days with temperatures above 90°F: 59.
Tips for mobile homeowners, RV owners, and residents:
- Use reflective covers or window shades to reduce heat gain inside your mobile home or RV.
- Utilize fans, air conditioning units, or portable cooling devices to maintain a comfortable indoor temperature.
- Stay hydrated, limit outdoor activities during the hottest parts of the day, and check on vulnerable individuals, such as the elderly or those with medical conditions.

By considering these specific tips, mobile homeowners, RV owners, and residents in Acworth, Georgia, can better prepare for the unique weather and environmental hazards that the area presents. It’s important to stay informed by monitoring local weather forecasts, heeding warnings from local authorities, and having a personal emergency plan in place.

Note: Weather patterns and risks can vary from year to year. It’s advisable to consult local resources and authorities for the most up-to-date information and tailored recommendations regarding weather hazards in Acworth, Georgia.

Recommended Neighborhoods in Acworth:

Camden Pointe
Senators Ridge / The Capitol At Senators Ridge
Eagles Crest / Battleford Plantation
Woodlands
Centennial Commons / Howell Farms
Apache Woods
Stonekirk / Park West
Glenstone / Ridgewood Creek
Woodstream / Allatoona Shores
Lake Park / Baker Plantation

Crime Rates:

Acworth has a crime rate of 16 per 1,000 residents, higher than the national average across all communities in America.
The chance of becoming a victim of either violent or property crime in Acworth is 1 in 64.
Acworth’s crime rate is higher than 61% of the cities and towns in Georgia.

Acworth’s violent crime rate is 1 per 1,000 inhabitants, which is about average for all communities in America.
Violent crimes tracked in this rate include armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter.
The chance of becoming a victim of violent crime in Acworth is one in 929.

The rate of property crime in Acworth is 14 per 1,000 residents, higher than the average for all communities in America.
Property crimes tracked in this rate include motor vehicle theft, arson, larceny, and burglary.
The chance of becoming a victim of any property crime in Acworth is one in 69.

Given Acworth’s higher crime rate, it’s important for mobile homeowners and RV owners to take extra precautions to protect their property. This may include installing security systems, using visible deterrents like motion sensor lights, and parking in well-lit areas.
It is advisable for mobile homeowners and RV owners to engage with the local community and stay informed about any neighborhood watch programs or safety initiatives in Acworth. Building connections and sharing information with fellow residents can help enhance security measures.

Additional Tips:

ENERGY AUDIT

Consider getting an energy audit for your mobile home to identify areas for energy efficiency improvements. Implement recommended changes, such as installing energy-efficient lighting or sealing air leaks. Take advantage of any available energy efficiency rebates or incentives in your area.

RENTERS INSURANCE LIABILITY

Renter's insurance not only covers your personal belongings but also provides liability protection in case someone gets injured while visiting your mobile home. Review your renter's insurance policy to ensure it includes liability coverage. Understand the policy limits and exclusions related to liability claims.

HURRICANE PREPAREDNESS

Follow local authorities' guidance on evacuation orders and emergency procedures. Secure your mobile home by anchoring it properly to withstand high winds. Trim trees and remove dead branches to reduce the risk of falling debris.

GEORGIA-SPECIFIC COVERAGE

Ensure your insurance policy covers specific risks in Georgia, such as hurricanes. Consider purchasing flood insurance if your mobile home is located in a flood-prone area. Review your policy limits and deductibles to ensure you have adequate coverage.

ENERGY EFFICIENCY

Maintain proper insulation throughout your mobile home or RV. Upgrade to energy-efficient appliances, lighting, and HVAC systems. Utilize blinds or shades to manage solar heat gain.

THE LEASE AGREEMENT

Read and understand the terms of your lease agreement. Ask questions about items you do not understand or terms that you disagree with. Adhere to the lease agreements, and extend it if you need more time to live in it.

We do insurance better.

And here’s how.

Save an average of $250 per year
File a claim in 3 minutes
Easily manage your policy online
Skip the faxing, long paperwork, and unnecessary phone calls
Get support from an American-based team

Are you in Acworth, GA, looking for mobile home insurance

First Name

Last Name

Phone Number

State(Required)

Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

Georgia Mobile Home Facts

11% of homes in Georgia are mobile or manufactured.
These homes are a cost-effective alternative to traditional homes.

Types of Mobile Homes:

In Georgia, every installer of manufactured and mobile homes must report each installation to the state’s Manufactured Housing Section within the Safety Fire Division three days before the installation is complete and the home is ready for occupancy.

This report must be made on a specific form provided by the Commissioner and include the installation’s permit number, torque probe test results near each corner of the home, and the soil-bearing capacity measurements that were used to set up the home’s foundation supports.
This requirement applies to every installation, whether it’s for a new home or a relocation. Additionally, the Commissioner has the authority to request sales reports from retailers and brokers.
This rule has been updated and modified several times since its original adoption in 1974, with the most recent amendment being effective as of January 1, 2022.

In Georgia, any installer working on a manufactured or mobile home must buy a permit from the Commissioner before starting the job.

The permit fee is set by state law and the installer must provide necessary information to get this permit, which should be displayed in the home upon completion.
If manufacturer instructions are missing or unclear, the state’s installation guidelines must be followed, including the provision of a manual with every new home detailing the foundation, anchorage, site preparation, and utility connections.
The installer is also responsible for ensuring the home is placed on a properly prepared site with good drainage and free of debris.
Installers licensed in Georgia are exempt from additional electrical and plumbing licenses for tasks covered under their installer license.
The installer’s responsibilities, unless otherwise written in a contract, do not include skirting, masonry curtain walls, or stairs and landings; these are subject to local codes or separate agreements.
These rules apply only to homes as defined under Georgia law and have been revised over the years, with the current version effective since December 20, 2004.

Mobile Homes in GA – Did You Know?

The Office of Insurance and Safety Fire Commissioner:

Insurance for Manufactured Homes:

Governance of Manufactured Housing:

Manufactured Housing Standards:

All sections of transportable manufactured homes must contain a HUD label, certifying adherence to federal standards that include body, frame, thermal protection, structural integrity, and fire safety.

Licensing and Permit Requirements:

Consumer Protection:

Access to Licensed Professionals:

The public and Local Code Offices can access a current listing of licensed Manufactured Housing Manufacturers, Retailers, and Installers to verify compliance with Georgia law.

Georgia Coastal Property Insurance
Pool - FAIR Plan

The Fair Access to Insurance Requirements (FAIR) Plan serves as a crucial safety net for property owners who find themselves unable to secure traditional insurance due to the high-risk nature of their homes. The Georgia Underwriting Association (GUA) administers this plan, ensuring that everyone has a fair chance at obtaining necessary coverage.

The GUA operates as a residual market, providing insurance solutions that may not be readily available in the private market. This association plays a pivotal role in community welfare by insuring those at higher risks, often due to geographic location or other significant factors.

A key component of the GUA’s mission is to promote property improvement and safety. Programs like the IBHS Fortified Home initiative are recognized and supported, offering credits for homes constructed to withstand severe weather conditions.

Six Steps to Fortification

Step 1: Apply – Begin by filling out a free online application, which is the first step toward making your home disaster-resistant.
Step 2: Schedule an Evaluation: After processing your application, you’ll be directed to certified evaluators. Choose one to assess your home according to the IBHS standards.
Step 3: Evaluation: The evaluator will conduct a thorough inspection and create a report, which will be used to determine any necessary improvements.
Step 4: Review the Report: You’ll receive a detailed report outlining the current state of your home and the steps needed to achieve the desired level of fortification.
Step 5: Implement Improvements: Based on the report, you’ll upgrade your home to meet specific standards. Once completed, an evaluator will verify the improvements.
Step 6: Obtain Designation: Upon confirmation of the upgrades, you’ll receive a Fortified Designation, qualifying you for potential discounts with the GUA.

The FAIR Plan and the GUA offer Georgians a pathway to insuring homes that the private market may deem too risky. By understanding and utilizing these resources, homeowners can protect their properties and potentially reduce their insurance costs through proven mitigation efforts.

Know Your Rights:

Finding the Best Mobile Home Insurance in
Acworth, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Acworth's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

Finding the Best Mobile Home Insurance in
Acworth, GA.

These are some things you should look out for in an insurance plan for Acworth:

Property Crime Insurance Needs for Acworth, GA:

Package Theft Coverage: Acworth, GA, like other cities, has reported incidents of package theft. Consider adding package theft coverage to your homeowner’s insurance policy to protect against the loss or damage of packages delivered to your property.
Neighborhood Watch Credits: Acworth, GA has an active neighborhood watch program. Check with your insurance provider if they offer any discounts or credits for being part of a neighborhood watch program, as it indicates a safer community.

Weather-Specific Insurance Needs for Acworth, GA:

Tornado Coverage: Acworth, GA falls within an area prone to tornadoes. Verify if your homeowner’s insurance policy covers damage caused by tornadoes, including structural damage and loss of personal property, or if you need to add a specific tornado coverage endorsement.
Hailstorm Roof Upgrade Coverage: Acworth, GA sees occasional hailstorms that can cause significant roof damage. Confirm whether your homeowner’s insurance policy provides coverage for full roof replacement due to hail damage, or consider adding a hailstorm roof upgrade coverage endorsement to ensure adequate protection.

Unique Insurance Needs for Mobile & Manufactured Home Owners or Renters in Acworth, GA:

Mobile Home Park Liability Coverage: If you own or rent a mobile or manufactured home in a mobile home park in Acworth, GA, consider adding mobile home park liability coverage. This coverage helps protect against liability claims arising from accidents or injuries that occur within the community’s common areas.
Debris Removal Coverage: Mobile and manufactured homes can be more vulnerable to damage during severe weather events. Ensure your insurance policy includes debris removal coverage, which can help cover the costs associated with removing debris and wreckage after a storm or other covered event.

Unique Insurance Needs for RV Owners in Acworth, GA:

Golf Cart Coverage: Acworth, GA is known for its lakefront golf cart-friendly areas. If you use a golf cart while RVing in Acworth, consider adding coverage for the golf cart under your RV insurance policy to protect against theft, damage, or liability claims.
Marinas and Boatyard Coverage: If you keep or store your RV near marinas or boatyards in Acworth, consider adding marinas and boatyard coverage to your RV insurance policy. This coverage can provide protection against damages caused by accidents, vandalism, or natural disasters that may occur in these areas.

Remember to review your insurance options thoroughly and consult with an insurance professional to ensure you have the appropriate coverage for your specific needs and circumstances in Acworth, GA.