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.
Welcome to Auburn, Alabama- a city where the spirit of learning and the pride of tradition merge to create a community rich in character and innovation. Known as “The Loveliest Village on The Plains,” Auburn, Alabama, is not just a city but a testament to the harmonious blend of academic excellence, historic charm, and Southern hospitality.
As you wander through Auburn, let the vibrant energy of Auburn University invigorate you. This prestigious institution is not just the heart of the city; it’s a beacon of knowledge, research, and cultural enrichment. The sprawling campus, adorned with stately buildings and lush greenery, is a hub of youthful enthusiasm and scholarly pursuit, setting the rhythm for the city’s lively ambiance.
Auburn’s charm extends beyond the university’s influence. Delve into the city’s rich history at the Jule Collins Smith Museum of Fine Art or take a stroll through the historic downtown, where charming boutiques, cozy cafes, and local eateries offer a warm welcome. Here, the intertwining of past and present is evident in every corner, from the quaint architecture to the friendly smiles of residents.
Nature’s embrace is ever-present in Auburn. The city is encircled by scenic beauty, from the tranquility of Chewacla State Park, with its cascading waterfalls and hiking trails, to the peaceful stroll in the Donald E. Davis Arboretum, where native plants and trees flourish. These natural havens offer a serene escape from the bustle of city life, inviting you to connect with the serene beauty of Alabama’s landscapes.
The spirit of Auburn is palpably felt in the city’s community events and traditions. From the excitement of Tiger football games, where the roar of the crowd embodies the city’s collective spirit, to the Auburn CityFest, an annual celebration of art, music, and community, there’s a sense of unity and joy that permeates the air.
When it comes to culinary delights, Auburn offers a diverse palette to satisfy any craving. The city’s food scene is a delightful mix of Southern classics and contemporary cuisine, each restaurant and café telling its own story through flavors and dishes that resonate with the city’s diverse character.
Education, culture, and community in Auburn are deeply interwoven. The city thrives as a center for learning and cultural activities, while also maintaining a close-knit community feel that welcomes all who visit or call it home.
In Auburn, every day is an opportunity to experience the seamless blend of tradition and progress, where the echoes of the past harmonize with the visions of the future. Welcome to Auburn, Alabama, where the loveliness of the plains is matched only by the warmth of its people and the richness of its community spirit. Here, amidst the chants of “War Eagle,” discover a city that embodies the essence of Southern charm, academic excellence, and a commitment to a future as bright as its storied past.
Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average.
Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.
Homeowners insurance isn’t required by Alabama state law, but your mortgage lender will likely require you to have it.
Insurance for manufactured homes in Alabama is essential and similar to traditional site-built homes, encompassing structure, liability, and personal property coverage. Despite common misconceptions, manufactured homes don’t inherently carry additional insurance risks.
However, insurance rates can vary significantly by state, often influenced by local weather patterns and natural disaster risks. In Alabama, homeowners insurance costs are above the national average, with state-specific regulations impacting policies. The Alabama Manufactured Housing Association (AMHA) has been advocating for the industry since 1968, ensuring quality and affordable housing options are available, underscoring the importance of proper insurance for homeownership.
Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:
Weather and Environmental Risks in Auburn
Residents of Auburn, especially those living in mobile/manufactured homes and RVs, face significant risks from hail, tornadoes, and flooding. Proactive measures, such as structural reinforcement, evacuation planning, and staying informed about weather conditions, are crucial for safety and minimizing damage.
1) Tips for successful off-grid RV camping.
2) Best locations in Alabama for boondocking.
3) Safety and insurance considerations when off the grid.
1) How add-ons and customizations affect your insurance.
2) Notify your insurer about significant home improvements.
3) Ensure your policy covers these additional investments.
1) Enjoying Alabama's beautiful coastlines with your RV.
2) Be aware of coastal weather patterns and prepare accordingly.
3) Coastal-specific RV maintenance and insurance tips.
1) Create an emergency plan specific to mobile home living.
2) Essential items for your emergency kit.
3) How to secure your mobile home in an emergency.
1) Best fishing spots in Alabama accessible by RV.
2) Tips for storing and handling fishing gear in your RV.
3) Review insurance coverage for outdoor recreational activities.
1) Understand the importance of flood insurance in high-risk areas.
2) Tips to mitigate flood damage in mobile homes.
3) Review your policy's flood coverage specifics and limitations.
Mobile and Manufactured Home Insurance Statistics in Alabama:
Based on the 2017 American Community Survey by the U.S. Census Bureau, Alabama has 305,749 mobile homes, making up 13.5% of the state’s total housing. Walker County has the highest percentage of mobile homes at 31.5%.
The presence of mobile homes varies by county, with the lowest being Jefferson County at 2.7% and others like Cullman County and St. Clair County had significantly higher percentages at 27.4% and 28.0% respectively. These figures highlight the importance of mobile homes in Alabama’s housing landscape.
In Alabama, the ten counties with the highest percentage of mobile homes, as per the 2017 American Community Survey, are as follows:
You’ve got 30 days to register it—don’t miss this, or you might get hit with a $10 penalty and a $15 citation fee. Ouch! And if you end up in court without your manufactured home decal, fines could soar up to $500 or even land you a short stay in the county jail.
Here’s the deal on where to register:
Register with the Tax Assessor’s Office if your name’s on both the home and the land titles. Bought them as a package? You’re in luck—no sales tax! Living there yourself? Claim your homestead. Have family staying over? It’s a bit more in taxes, but still a sweet deal. Any confusion? Just call the Tax Assessor at 256-532-3350 for a chat.
Head over to the License Department if you own the home but not the land, or if you’re renting it out. Remember, you’ve got to cover the sales tax and title fee if it’s a 1990 model or newer from out-of-state. Mark your calendar! Registration ends on September 30 each year, and renewal time is from October 1 to November 30.
Don’t forget the Bill of Sale. Alabama dealers take care of sales tax, but out-of-state purchases need sales tax paid at the License Department. And don’t try the old “$1 Bill of Sale” trick—it won’t fly here!
If your manufactured home is a 1992 model or newer, you need a title. Alabama dealers will sort this out for you, but if you’re buying from an individual, you’ll need to sign off on the title with the License Department.
Before you hit the road, grab a move permit for $10. It’s good for 14 days per module, and make sure your taxes or registration fees are all clear. Without it, you’re looking at a class C misdemeanor and at least a $50 fine.
Check with local inspection departments for any setup fees in the area where you’re laying down roots.
You can make it officially part of your property. Just match up the names on the home and land titles, and send in an application with all the right paperwork to the Department of Revenue. If you ever decide to move your home, you’ll need to get a new title. And if your home is a vintage model over 20 years old, no title needed! Just so you know, this doesn’t necessarily mean your home is considered real estate in all legal situations, but it does for tax purposes.
