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 Greeneville, Tennessee – a town that beautifully combines a deep respect for its rich history with the warmth and charm of modern southern living. Known as the “Home of President Andrew Johnson,” Greeneville offers a unique blend of historical significance, cultural attractions, and stunning natural beauty. Whether you’re drawn to its storied past, vibrant community life, or the serene landscapes that surround it, Greeneville invites you to explore and experience a town that feels like home.
Greeneville’s history is woven into the fabric of the United States. Established in 1783, this town is the second oldest in Tennessee and was named after Nathanael Greene, a hero of the Revolutionary War. But perhaps its most notable historical figure is Andrew Johnson, the 17th President of the United States, who began his political career here. The Andrew Johnson National Historic Site allows visitors to step back in time, with tours of his tailor shop, his homestead, and even the cemetery where he is buried, offering a poignant glimpse into his life and legacy.
The town’s historical significance doesn’t end with Andrew Johnson. Greeneville was also the site of several key moments during the Civil War, and today, visitors can explore these stories through well-preserved sites and informative museums that capture the town’s complex past.
For those who love the great outdoors, Greeneville is a gateway to some of East Tennessee’s most beautiful landscapes. Nestled in the foothills of the Appalachian Mountains, the town offers easy access to stunning natural attractions like the Nolichucky River and the Cherokee National Forest. Whether you’re hiking through the lush trails, fishing in the clear mountain streams, or simply enjoying a peaceful picnic in one of the many parks, Greeneville’s natural beauty is sure to rejuvenate your spirit.
One of the area’s most cherished outdoor spaces is the nearby Margarette Falls, a breathtaking waterfall that’s just a short hike away. The trail to the falls is a favorite among locals and visitors alike, offering a serene escape into nature’s tranquility.
Greeneville isn’t just a place of historical and natural beauty—it’s a thriving community with a strong sense of identity and pride. The town’s calendar is filled with events that bring the community together, from the annual Greene County Fair, which celebrates the region’s agricultural heritage, to the vibrant Iris Festival, a beloved springtime event that showcases local crafts, foods, and entertainment.
Another highlight of Greeneville’s community life is its commitment to the arts. The town is home to the Niswonger Performing Arts Center, where residents and visitors can enjoy a wide variety of performances, including concerts, plays, and cultural events that enrich the community’s cultural fabric.
Beyond its well-known historical sites and natural beauty, Greeneville has its share of hidden gems that offer a deeper connection to the town’s character. The Dickson-Williams Mansion, for example, is a beautifully restored antebellum home that offers guided tours and fascinating stories about the town’s role during the Civil War.
For a more contemporary taste of Greeneville, explore the local shops and eateries that line its charming downtown. From quaint bookstores to farm-to-table restaurants, Greeneville’s downtown offers a perfect blend of old and new, where history meets the present in delightful ways.
Greeneville, Tennessee, is a town that invites you to slow down and savor life. It’s a place where the past is honored, the present is vibrant, and the future is embraced with open arms. Whether you’re exploring its historical landmarks, enjoying its natural wonders, or getting to know its friendly residents, Greeneville offers an experience that is as enriching as it is enjoyable.
Come and discover Greeneville—a town that’s steeped in history, surrounded by beauty, and filled with the warmth of a close-knit community. Whether you’re visiting for a weekend or planning to stay a lifetime, Greeneville welcomes you with the promise of unforgettable memories and a place to call home.
Yes, mobile home insurance is essential in Tennessee due to the state’s diverse climate and environmental challenges. Insurance provides financial protection against natural disasters, liability issues, and potential losses due to theft or vandalism. Given Tennessee's susceptibility to tornadoes, flooding, and winter storms, having comprehensive coverage ensures you are financially protected in case of damage or loss.
In Tennessee, insurance premiums for homeowners are influenced by a variety of factors. The insurer you choose can significantly impact the premium you pay, as different companies may offer varying rates for similar coverage. Additionally, your decisions regarding the amount of coverage you purchase also affect your premium. Here are some key factors that insurers consider when determining your premium:
By understanding these factors, homeowners in Tennessee can make informed decisions about their insurance needs and find ways to potentially lower their premiums.
The cost of mobile home insurance in Tennessee varies based on several factors:
On average, mobile home insurance in Tennessee can range from $300 to $1,000 annually, depending on these factors.
Under threat from dangerous thunderstorms the primary concerns are large hail and strong wind gusts, which can cause significant damage to properties and pose a risk to personal safety.
Precautions:
Risk Level: Extremely High The risk for mosquito activity in Greeneville is currently very high, likely due to recent weather conditions that have created favorable breeding grounds. Residents are advised to wear long-sleeved clothing and use insect repellent when spending time outdoors to reduce the risk of mosquito bites, which can transmit diseases.
Precautions:
Risk Factor: Moderate All properties in Greeneville (7,649 in total) have some level of wildfire risk over the next 30 years. Wildfires can damage homes, cut off access to utilities, and disrupt emergency services.
Precautions:
These three risks—tornadoes, flooding, and heat—underscore the diverse weather challenges facing Greenville. Addressing these risks through proactive planning and community engagement will help enhance resilience and safety in the region.
Greeneville has a notably high property crime rate of 31 per one thousand residents. This rate encompasses various offenses including burglary, larceny, motor vehicle theft, and arson. The chance of becoming a victim of property crime in Greeneville is 1 in 32, which is above average compared to communities across the nation. Additionally, Greeneville has one of the highest rates of motor vehicle theft in the country, with a 1 in 265 chance of having a car stolen.
Key Data Points:
The violent crime rate in Greeneville stands at 4 per one thousand residents. This rate includes serious offenses such as armed robbery, aggravated assault, rape, and murder. Residents of Greeneville have a 1 in 284 chance of becoming a victim of violent crime, which is relatively high compared to many other communities.
Key Data Points:
With an overall crime rate of 34 per one thousand residents, Greeneville has one of the higher crime rates in America. This means that the likelihood of becoming a victim of either violent or property crime is 1 in 29. Compared to communities of similar population size, Greeneville’s crime rate is significantly higher than average. Within Tennessee, Greeneville’s crime rate is higher than 92% of the state’s cities and towns.
Key Data Points:
Description: Install or maintain ventilation in the attic to prevent heat buildup. Importance: Proper attic ventilation helps prevent heat-related damage and improves overall home efficiency.
Description: Regularly test electrical outlets to ensure they are functioning correctly. Importance: Ensuring electrical outlets work properly prevents electrical hazards and is essential for safety.
Description: Fix any loose or damaged skirting around your home. Importance: Properly secured skirting helps protect against pests and weather damage.
Description: Check windows for damage and seal any gaps or cracks. Importance: Well-maintained windows improve energy efficiency and protect against weather damage.
Description: Regularly clean dryer vents to prevent fire hazards. Importance: Cleaning dryer vents reduces the risk of fires, a common concern in Tennessee’s humid climate.
Description: Replace weatherstripping around doors and windows as needed. Importance: Proper weatherstripping improves energy efficiency and comfort, particularly during Tennessee’s extreme weather.
While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.
The State of Manufactured Housing in Tennessee:
Key Data:
Insights: Manufactured housing plays a crucial role in Tennessee’s housing market due to its affordability compared to traditional homeownership and renting. However, the age of many of these homes, particularly those built before 1980, can lead to higher maintenance costs for homeowners. The affordability and availability of manufactured homes provide an essential housing option, particularly for low- and moderate-income residents, despite potential future expenses related to older units.
Key Data:
Insights: Tennessee offers slightly more affordable housing than the national average, and the state has a relatively low foreclosure rate. However, homeownership rates vary significantly by demographic factors such as race, income, and family structure. Manufactured housing can help bridge some of these gaps by providing an affordable homeownership option. With a substantial portion of manufactured housing being affordable, this type of housing is critical in meeting the state’s need for low-cost housing solutions.
Key Data:
Insights: Manufactured housing is a vital component of affordable housing in Tennessee, particularly for very low-income homeowners who face lower housing cost burdens compared to other forms of homeownership. The significant cost savings per square foot make manufactured homes an attractive option for those seeking affordable housing. This type of housing is essential for providing stable and cost-effective living conditions for a large portion of Tennessee’s population, particularly in a state where homeownership challenges vary widely.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Key Points:
Insights: In 2023, Tennessee maintained strict regulations on mobile home ownership to ensure clarity and accountability in property transactions. The titling process serves as irrefutable proof of ownership and imposes the responsibility to transfer the title to the new owner during a sale or transfer. Non-compliance can result in legal and financial penalties, highlighting the importance of adhering to these regulations.
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Insights: The placement of mobile homes in Tennessee is tightly regulated by local zoning ordinances, which can differ significantly across regions. Mobile home owners must thoroughly research and comply with these local ordinances to ensure they meet requirements such as property line setbacks, minimum lot sizes, and allowed mobile home types. Understanding these zoning laws is essential for a harmonious community integration and to avoid potential legal issues.
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Insights: In 2023, Tennessee continues its commitment to mobile home residents’ safety by enforcing rigorous safety standards. These standards cover critical aspects of mobile home living, ensuring that homes meet specific requirements for electrical systems, plumbing, heating, and ventilation. Mobile home owners should be prepared for periodic inspections to maintain compliance, underscoring the state’s dedication to secure and habitable living environments for all residents.
Key Points:
Insights: Tennessee’s regulations for the transportation and installation of mobile homes prioritize safety and structural integrity. These regulations mandate acquiring the necessary permits and adhering to established guidelines during the disassembly, transportation, and reinstallation processes. Compliance with these regulations is crucial to ensure the safety of the mobile home and the community it is placed within.
In Tennessee, manufactured home residents have homeownership rates comparable to those of residents in other types of housing. Approximately 66% of manufactured home residents own their homes, which mirrors the 66% homeownership rate seen among residents of traditional site-built homes. This parity underscores the significant role that manufactured homes play in providing affordable housing options that facilitate homeownership in the state.
Financing for manufactured homes differs notably from traditional home financing. Owners of manufactured homes are less likely to have a conventional mortgage and are more likely to use personal property loans. These loans, which often come with higher interest rates, shorter prepayment periods, and fewer consumer protections, present unique challenges for manufactured home owners. Unlike traditional mortgages, personal property loans typically classify homes as personal property, akin to vehicles.
This classification can lead to financial drawbacks, as lenders may use depreciation tables similar to those in the auto industry to determine the value of these homes. Consequently, manufactured home owners may experience a decline in their home’s value over time, making it more challenging to build equity and wealth through homeownership. Despite these challenges, the accessibility of personal property loans continues to enable many Tennesseans to achieve homeownership through manufactured homes.
Overall, while manufactured home residents in Tennessee enjoy similar homeownership rates to those living in site-built homes, the financial pathways they navigate can be markedly different, often requiring careful consideration and planning to maximize the benefits of their home investment.
The Manufactured Housing and Modular Buildings Section of the Tennessee Department of Commerce and Insurance oversees the regulatory framework for HUD-labeled manufactured homes and modular buildings. Operating under TCA Title 68 and federal mandates like the National Manufactured Housing Construction and Safety Standards Act of 1974, the section plays a pivotal role in licensing manufacturers, retailers, and installers of manufactured homes. It ensures compliance with safety standards through rigorous inspections and investigates violations of state and federal regulations. Additionally, the section collaborates with HUD as the State Administrative Agent, overseeing aspects such as construction quality control, consumer complaint resolutions, and post-production monitoring of homes in Tennessee.
For those involved in manufactured housing or modular construction in Tennessee, the section provides critical services like license application and renewal, verification, and handling of consumer complaints. It serves as a central hub for resources and information, facilitating the safe and compliant installation and maintenance of manufactured homes and modular buildings across the state. Residents and stakeholders can contact the Manufactured Housing Section at their Nashville headquarters for inquiries, licensing procedures, or to report any issues related to manufactured housing standards and regulations.
Since Tennessee is located inland, and does not have a coastline, there are no Coastal Insurance Pool Services available as per government/subsidized schemes. You might however find some add ons to your insurance plan, like the Inland Marine Select plan available for new construction of individual dwellings and commercial projects with limits of up to $3,000,000 available – according to construction type and protection class, with further limits of up to $500,000 per location – which is excluding wind & hail in coastal areas.
The Tennessee Manufactured Housing Foundation (TMHF), based in Mt. Juliet, TN, is dedicated to assisting Tennessee residents who are economically disadvantaged or facing challenging circumstances related to their manufactured homes. TMHF aims to support the repair and improvement of existing manufactured homes and provide replacement homes to those in need due to income limitations or other hardships.
Key Points:
Insights: Understanding tenant rights and landlord responsibilities is vital for harmonious living in Tennessee’s mobile home parks. The current laws cover essential issues like rent increases, eviction procedures, and tenant protections, aiming to balance the interests of park owners and tenants. These laws foster fairness and equity, ensuring a mutually beneficial mobile home park experience in Tennessee.
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Insights: In 2023, Tennessee reinforced its commitment to environmental sustainability in mobile home communities by implementing strict environmental regulations. These rules address critical areas such as responsible sewage disposal, water quality maintenance, and efficient waste management. Adhering to these regulations promotes a healthier living environment and contributes to preserving the state’s natural resources.
Key Points:
Insights: Staying informed about evolving mobile home laws and regulations is crucial for compliance in Tennessee. The legal landscape can undergo revisions and updates to address new issues and changing circumstances. By frequently checking for updates and consulting with relevant authorities, mobile home owners and residents can navigate new provisions effectively and continue enjoying the benefits of mobile home living with confidence.
Navigating the current mobile home landscape in Tennessee requires a thorough understanding of the state’s laws and regulations. From ownership and placement to safety standards and tenant rights, being aware of these laws is essential for both mobile home owners and residents. By staying informed and adhering to the latest regulations, you can ensure a smooth and compliant mobile home experience in the Volunteer State.
For more information on your rights visit the following resources:
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Greeneville’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!
