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Protect Your Manufactured Home in Fayetteville, GA

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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 Fayetteville, GA : Costs, Coverage, and Considerations

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

Welcome to Fayetteville, Georgia – a charming and picturesque city that seamlessly blends a rich history with modern-day allure. Nestled just south of Atlanta, Fayetteville offers a captivating destination for residents and visitors alike, with its small-town charm, remarkable attractions, and a vibrant community spirit. Join us as we uncover the intriguing past of Fayetteville, explore its noteworthy attractions, and discover why this city is an idyllic place to call home.

Step into Fayetteville’s history, which dates back to the early 19th century when the city was established as the seat of Fayette County. Named in honor of the Marquis de Lafayette, a celebrated hero of the American Revolution, Fayetteville became a hub for commerce and community. History enthusiasts can journey through time at the Holliday-Dorsey-Fife House Museum, a beautifully preserved antebellum home that showcases the region’s rich heritage and its ties to the Civil War era.

Immerse yourself in Fayetteville’s vibrant downtown district, a delightful enclave brimming with historic buildings, boutique shops, and charming eateries. Explore the Fayetteville Town Square, anchoring the heart of the city, where locals and visitors gather for community events, seasonal festivals, and farmers markets. Don’t miss the chance to dine at The Olde Courthouse Tavern, housed in Fayetteville’s original county courthouse, offering a delectable culinary experience coupled with a touch of local history. Nature enthusiasts will find solace in the lush beauty that surrounds Fayetteville. Situated in close proximity to the sprawling beauty of the Chattahoochee River and the serene landscapes of the Peachtree City Lake McIntosh, visitors can revel in outdoor activities such as boating, fishing, and hiking. For an educational and unforgettable experience, head to the beloved non-profit Noah’s Ark Animal Sanctuary, where residents and visitors can interact with rescued animals and learn about wildlife conservation efforts.

Obscure facts about Fayetteville add to its allure. Did you know that Fayetteville was the filming location for several iconic television shows and movies, including the acclaimed film “Driving Miss Daisy” and the hit television series “The Walking Dead”? Fans of these productions can explore filming sites and relive memorable moments from their favorite scenes. Additionally, Fayetteville is home to the Fayetteville Confederate Cemetery, a somber and historic landmark honoring the fallen soldiers who fought in the American Civil War.

Beyond the rich history and enticing attractions, Fayetteville boasts a remarkable quality of life, making it an ideal place to settle down. Families relish in the superior school systems, while outdoor enthusiasts take full advantage of the city’s numerous parks, trails, and recreational facilities. With its close proximity to Atlanta, residents can easily access the amenities of a major urban center while savoring the tranquility of suburban living.

For RV enthusiasts seeking an adventurous lifestyle, Fayetteville provides a gateway to nearby RV parks and camping grounds. Just a short drive away lies the serene beauty of High Falls State Park, offering scenic views, hiking trails, and fishing opportunities amidst a picturesque cascading waterfall setting. The city’s accessibility to nature and outdoor recreational areas ensures that every weekend can be filled with memorable journeys on the open road.

Fayetteville also offers attractive options for mobile, manufactured, and modular homeowners. Communities such as The Landings at Fayetteville provide a range of amenities, from swimming pools and playgrounds to organized social events, creating a welcoming environment for those seeking an affordable and convenient housing option.

As you venture through the fascinating history, immerse yourself in the natural beauty, and embrace the small-town charm of Fayetteville, you’ll understand why this city holds a special place in the hearts of its residents and visitors. So, explore its historic streets, savor its culinary delights, and experience the warmth and tranquility that await in Fayetteville, 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:

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?

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

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 :

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:

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
Fayetteville, GA

Choosing the Right Mobile Home Insurance for
Fayetteville, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: Fayetteville, Georgia experiences long periods of high heat and humidity during the summer months, which can pose health risks, particularly for vulnerable populations such as the elderly and young children.
  • Data:
    • Average high temperature in July: 90°F.
    • Average number of days with temperatures above 90°F: 49.
  • Tips for mobile homeowners, RV owners, and residents:
    • Ensure proper insulation and ventilation in your mobile home or RV to minimize heat buildup.
    • Use air conditioning or fans to maintain a comfortable indoor temperature.
    • Stay hydrated by drinking plenty of water and avoid strenuous outdoor activities during the hottest parts of the day.

  • Description: Fayetteville, Georgia is prone to severe thunderstorms and can experience damaging winds, hail, and heavy rainfall. These storms can cause property damage, downed trees, and power outages.
  • Data:
    • Average number of severe thunderstorm warnings: 15-20 per year.
    • Average wind speed during severe thunderstorms: 40-60 mph, with higher gusts.
  • Tips for mobile homeowners, RV owners, and residents:
    • Secure outdoor items, such as patio furniture, to prevent them from being blown around or damaged by strong winds.
    • Trim tree branches near your mobile home or RV to minimize the risk of damage from falling limbs during storms.
    • Stay informed about severe weather forecasts and warnings through weather alert apps and local news sources.

  • Description: Fayetteville, Georgia is susceptible to flash flooding, particularly during heavy rain events. The area’s flat terrain and impervious surfaces can result in rapid water accumulation and a high risk of flash flooding.
  • Data:
    • Average annual precipitation: approximately 55 inches.
    • Flash flooding can occur within minutes to hours after heavy rainfall.
  • Tips for mobile homeowners, RV owners, and residents:
    • Avoid parking or setting up your mobile home or RV in low-lying areas prone to flooding.
    • Be prepared to evacuate if flash flood warnings are issued. Move to higher ground and avoid driving through flooded roads.
    • Consider purchasing flood insurance to protect your property from flood damage.

By considering these specific tips, mobile homeowners, RV owners, and residents in Fayetteville, 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 Fayetteville, Georgia.

Crime Rates:

Crime Rates:

  • Fayetteville has a crime rate higher than the national average across all communities in America.
  • With 18 crimes per 1,000 residents, Fayetteville is not among the communities with the very highest crime rate.
  • The chance of becoming a victim of either violent or property crime in Fayetteville is 1 in 55.
  • Compared to other cities and towns in Georgia, Fayetteville has a crime rate higher than 66% of them.

  • Fayetteville’s violent crime rate is about average for all communities in America, across all population sizes.
  • Violent crimes included in this rate are armed robbery, aggravated assault, rape, murder, and non-negligent manslaughter.
  • The chance of becoming a victim of violent crime in Fayetteville is 1 in 689.

  • Fayetteville has an above-average chance of becoming a victim of a property crime compared to all other communities in America.
  • Property crimes included in this rate are motor vehicle theft, arson, larceny, and burglary.
  • The chance of becoming a victim of any of these crimes in Fayetteville is 1 in 60.

  • Be extra cautious about securing your belongings and property as Fayetteville has a higher property crime rate. Install security systems, lock all doors and windows, and consider using visible deterrents like security cameras.
  • When choosing a parking location, opt for well-lit areas or secure RV parks that have additional security measures. Building connections with neighbors and joining local community watch programs can also contribute to better security for mobile homeowners and RV owners.

Additional Tips:

Additional Tips:


Purchase liability insurance to protect yourself financially in case someone is injured on your property or as a result of your mobile home. Review your policy limits to ensure you have adequate coverage. Consider an umbrella liability insurance policy for additional protection beyond your standard coverage.


If you plan to travel with your mobile home or RV, perform routine maintenance before each trip. Check tires, brakes, and other mechanical components for proper functioning. Inspect and clean the roof, seals, and windows to prevent leaks during travel.


Consider purchasing a home warranty to help cover repairs and maintenance costs. Research different home warranty providers and their common coverage policies. Review the home warranty policy carefully to ensure it covers the features and systems in your mobile home.


Consider purchasing moving insurance for a long-distance move if renting a mobile home or RV. Read various plans and consider the options they offer, including coverage limits and deductibles. Do research to purchase insurance from a reputable company.


Make a visual and written inventory of valuable items in your home or RV. Have photographs or videos of your belongings saved as backup files. Keep important documents and receipts in a secure and organized place.


Plan your route in advance and account for any height or weight restrictions. Take breaks regularly when driving long distances to avoid fatigue. Research and book RV parks or campgrounds in advance, especially during peak seasons.

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

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:

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.

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

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.

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:

Know Your Rights:

Finding the Best Mobile Home Insurance in
Fayetteville, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Fayetteville'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
Fayetteville, GA.

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

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

  1. Golf Cart Coverage: Fayetteville, GA is a golf cart-friendly community with many residents owning and using golf carts. Consider adding golf cart coverage to your homeowner’s insurance policy to protect your golf cart against damages or theft.
  2. Watercraft Liability Coverage: With many lakes and waterways in and around Fayetteville, GA, it’s important to consider adding watercraft liability coverage if you own a boat or personal watercraft. This coverage can protect you against potential liability claims arising from accidents or injuries that may occur while using your watercraft.
  1. Tornado Coverage: Fayetteville, GA is located in a region prone to tornadoes. Make sure your homeowner’s insurance policy includes coverage for windstorm damage, including that caused by tornadoes.
  2. Hailstorm Coverage: Hailstorms can cause extensive damage to homes and property in Fayetteville, GA. Make sure your homeowner’s insurance policy includes coverage for hailstorm damage, including that caused by hailstones.
  1. Skirting Coverage: Mobile and manufactured homes in Fayetteville, GA should have skirting coverage to protect against damages to the skirting of your mobile or manufactured home caused by accidents, vandalism, or natural disasters.
  2. Mobile Home Contents Coverage: Mobile and manufactured homes may have specialized contents, such as built-in furniture. Consider adding mobile home contents coverage to your insurance policy to cover these items against theft, damage, or loss, specifically while situated in your home within the city of Fayetteville.
  1. Golf Cart Coverage: In addition to owning an RV, many Fayetteville residents also own golf carts for transportation and leisure activities. Be sure to add golf cart coverage to your RV insurance policy to protect your golf cart against damages or theft.
  2. Roadside Assistance Coverage: If you plan to travel extensively with your RV, consider adding roadside assistance coverage to your RV insurance policy. This coverage can provide assistance with emergencies, such as flat tires or breakdowns, while traveling on the roads in Fayetteville, GA and beyond.

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





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