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Protect Your Manufactured Home in Hinesville, 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 Hinesville, GA : Costs, Coverage, and Considerations

Welcome to Hinesville, Georgia, a small town with a big heart that welcomes visitors and residents with its warm hospitality and rich cultural heritage. Located in Liberty County, Hinesville is a charming destination that blends Southern charm with vibrant modern amenities. Bask in the beauty of the pristine coastline, experience the thrill of cultural and historic landmarks, and enjoy the relaxed pace of life in one of Georgia’s hidden gems.

History and Significance:

Hinesville’s history dates back to the late 1700s when settlers began to migrate to the area. The city was officially incorporated in 1916 and was named after Charlton Hines, a prominent state senator. The city has played a significant role in American history, serving as a crucial location during the Revolutionary War and the Civil War. Today, Hinesville boasts a vibrant military community, with the nearby Fort Stewart Army Base serving as a vital center of operations for the U.S. Army.

Attractions and Things to Do:

Begin your journey through Hinesville at the heart of downtown, where the Bradwell Park unfolds a beautiful setting for relaxation and reflection. Take a stroll through the promenade, admire the bronze statues, and enjoy the peaceful ambiance of the fountains. Continue your exploration of the city’s past at the Liberty County Historical Society Museum, where you can delve into the rich history of the region and discover the stories of the people who shaped it.

For nature enthusiasts, the pristine coastline and charming parks offer ample opportunities to indulge in the great outdoors. Visit the St. Catherines Island Wildlife Preserve and immerse yourself in the beauty of the coastal ecosystem, home to an array of wildlife, including alligators, birds, and other animals. Relax at the nearby Jones Creek Park, a hidden gem that provides trails, fishing spots, and picnic areas.

Obscure Facts:

Discover the intriguing past of Hinesville through the story of Lyman Hall, one of the signers of the Declaration of Independence. Hall resided in the city in the early 19th century and is honored with a statue in front of the Liberty County Courthouse. Visit the statue and pay homage to this historic figure who played a vital role in shaping the nation’s history.

Hinesville also has an extensive connection to the renowned American writer and civil rights activist Alice Walker. Born and raised in the nearby rural town of Putnam County, Walker visited Hinesville frequently and even made the city the setting of a few of her works. Immerse yourself in the world of this iconic writer and explore Hinesville through her literary lens.

Why Hinesville is a Good Place to Live:

Hinesville offers an ideal setting for those seeking a relaxed lifestyle and a close-knit community. The city boasts excellent schools, including the top-rated Liberty County High School, a strong economy, and a low cost of living. The vibrant military community adds to the rich fabric of the city, creating a multicultural and diverse environment that fosters growth and opportunity.

Highlights for RV Enthusiasts, Mobile/Manufactured/Modular Homeowners:

Hinesville provides several options for RV enthusiasts and mobile/manufactured/modular homeowners. The Fort Stewart RV Park offers a serene respite amidst the beauty of nature, with modern amenities, outdoor activities, and a friendly atmosphere. The nearby Sunbury Crab Company Marina & RV Park offers waterfront camping, boating, and fishing, making it an ideal getaway for those seeking adventure and relaxation.

For those seeking a mobile or manufactured home community, the Live Oak Plantation Mobile Home Park provides a fantastic option, with well-maintained grounds, luxurious amenities, and a tight-knit community atmosphere. Relax in the serenity and convenience of this charming community and enjoy the benefits of living in one of Georgia’s most idyllic locations.

In conclusion, Hinesville, Georgia, presents a beautiful opportunity to experience the best of Southern charm and modern convenience. Explore its rich history, savor the beauty of the outdoors, and embrace the warmth of its welcoming community. Whether you are seeking a place to call home or an unforgettable vacation destination, Hinesville offers a harmonious blend of history, nature, and cultural delights that will leave you glowing with appreciation.

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
Hinesville, GA

Weather & Environmental Risks:

Description: Hinesville is located on the Georgia coast and is susceptible to the impacts of hurricanes and tropical storms. These can bring strong winds, heavy rainfall, storm surge, and the potential for flooding.
Data:
- Average number of hurricane/tropical storm landfalls on the Georgia coast per decade: 5-6
- Average annual rainfall: 51 inches
Tips for Mobile Homeowners/RV Owners:
- Have a hurricane preparedness plan in place, including securing your mobile home or RV and ensuring you have necessary supplies like water, food, and batteries.
- If possible, evacuate to a safer location outside the storm surge zone when a hurricane is forecasted. Consider staying in a designated shelter or moving inland.
- If you are unable to evacuate, seek shelter in a sturdy building, away from windows, and follow local authorities’ instructions.

Description: Hinesville is located near the coast, making it susceptible to coastal flooding, particularly during high tide and storm surge events. Coastal flooding can affect low-lying areas and can be accompanied by other severe weather events, such as hurricanes.
Data:
- Average sea level rise rate along the Georgia coast: 1.8-2.3 millimeters per year
- Average annual number of days with high tide flooding: 8-10
Tips for Mobile Homeowners/RV Owners:
- Avoid parking your mobile home or RV in low-lying areas or near bodies of water that can experience rapid flooding during coastal events.
- Monitor local tide predictions and be aware of high tide times to plan activities and potential evacuations accordingly.
- Consider purchasing flood insurance to protect your mobile home or RV from potential flood damage.

Description: Hinesville experiences hot and humid summers, with extended periods of high temperatures and elevated humidity levels. Heatwaves can pose health risks, particularly for vulnerable individuals.
Data:
- Average high temperature in July: 92°F (33°C)
- Average number of days above 90°F (32°C) per year: 90
Tips for Mobile Homeowners/RV Owners:
- Ensure your mobile home or RV is properly insulated and equipped with air conditioning to provide a cooler and comfortable interior.
- Park your mobile home or RV in shaded areas whenever possible, or use awnings and shades to provide extra protection from the sun.
- Stay hydrated, limit outdoor activities during the hottest parts of the day, and seek air-conditioned environments if necessary.

Stay updated with weather forecasts and advisories issued by local authorities during severe weather events in Hinesville, Georgia. Develop an emergency plan, secure your mobile home or RV, and prioritize your safety during these unique weather and environmental hazards.

Crime Rates:

The crime rate in Hinesville is higher than the national average across all communities in America.
Chance of becoming a victim of either violent or property crime in Hinesville is 1 in 35.
Hinesville has a higher crime rate compared to 82% of Georgia’s cities and towns.

Hinesville has one of the highest rates of violent crime in the nation across communities of all sizes.
Violent offenses tracked include rape, murder, armed robbery, and aggravated assault.
Chance of becoming a victim of a violent crime in Hinesville is 1 in 185.

Hinesville has an above average chance of property crime compared to other communities in America.
Property crimes tracked include motor vehicle theft, arson, larceny, and burglary.
Chance of becoming a victim of a property crime in Hinesville is 1 in 43.

Install security measures such as sturdy locks, alarm systems, and surveillance cameras to protect your mobile home or RV from potential break-ins.
When parking your mobile home or RV in Hinesville, choose secure and well-lit areas such as reputable RV parks or designated parking spaces. Avoid parking in isolated or high-crime areas. Additionally, consider using GPS tracking devices or immobilizers for extra security against theft.

Install security measures such as sturdy locks, alarm systems, and surveillance cameras to protect your mobile home or RV from potential break-ins.
When parking your mobile home or RV in Hinesville, choose secure and well-lit areas such as reputable RV parks or designated parking spaces. Avoid parking in isolated or high-crime areas. Additionally, consider using GPS tracking devices or immobilizers for extra security against theft.

Additional Tips:

GEORGIA MOBILE HOME COMMUNITY REGULATIONS

Familiarize yourself with the regulations governing mobile home communities in Georgia. Be aware of any restrictions on modifications and improvements you can make to your rented mobile home. Understand the process and requirements for terminating your lease agreement in Georgia.

GEORGIA MOBILE HOME PARK DISPUTE RESOLUTION

Familiarize yourself with the dispute resolution processes available to mobile home renters in Georgia. Keep records of any communication with your landlord or mobile home community management. Seek legal advice if you encounter issues with your landlord or face unfair treatment.

FIRE SAFETY

Install smoke detectors in your mobile home or RV and test them regularly. Keep a fire extinguisher accessible and check its expiration date periodically. Have an escape plan in place and practice fire drills with your family.

CARBON MONOXIDE DETECTION

Install carbon monoxide detectors in your mobile home or RV, particularly if you have gas appliances or a generator. Test the detectors regularly to ensure they are functioning properly. Have a professional inspect and service gas appliances annually.

STAIRCASE SAFETY

Ensure any steps or stairs leading to your mobile home are in good condition and free of loose boards or hazards. Install handrails on staircases to provide additional stability and support. Use non-slip materials on outdoor steps to prevent slipping.

VALUABLE ARTICLES INSURANCE

Consider purchasing valuable articles insurance to cover high-value items, such as jewelry, artwork, or collectibles. Appraise your valuable items and keep records or photographs as proof of their worth. Review the coverage limits and deductibles to ensure your policy adequately protects your valuable possessions.

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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
Hinesville, GA.

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

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

Property Crime Coverage and Weather-Specific Insurance Needs in Hinesville, GA

Property Crime Coverage

Hinesville Neighborhood Security System Discount: Homeowners in Hinesville who install and maintain a monitored security system may be eligible for a discount on their property insurance premiums. This encourages homeowners to enhance the security of their properties and provides incentives for the use of advanced security measures in the area.
Increased Coverage for Vehicle Theft: Due to higher rates of vehicle theft in Hinesville compared to other areas, consider increasing the coverage limits on your auto insurance policy specifically for theft-related incidents. This ensures adequate protection for your vehicle against theft and any resulting damages unique to Hinesville’s property crime trends.

Weather-Specific Insurance Needs

Hurricane-Resistant Home Upgrades Discount: Hinesville is situated along the Georgia coastline and is vulnerable to hurricanes. Homeowners who invest in hurricane-resistant upgrades, such as impact-resistant windows or reinforced roofs, may qualify for a discount on their homeowners insurance premiums. These upgrades help protect against the specific weather risks prevalent in Hinesville.
Flood Insurance with Backwater Coverage: Hinesville’s low-lying geography makes it prone to flooding, especially during heavy rainfall or storm surge events. Consider obtaining flood insurance that includes backwater coverage, which provides protection against flooding caused by water backing up through drains, sewers, or rivers unique to Hinesville’s flood risk.

Insurance Needs for Mobile and Manufactured Home Owners or Renters in Hinesville, GA

Hinesville-Specific Mobile or Manufactured Home Insurance Policies: Opt for a specialized mobile or manufactured home insurance policy specifically designed for Hinesville. This policy should provide coverage tailored to the area’s weather risks, such as hurricanes and flooding, as well as any unique challenges associated with mobile or manufactured homes in Hinesville.
Extended Coverage for Replacement Cost: Ensure that your mobile or manufactured home insurance policy includes extended coverage for replacement cost. This endorsement ensures that you receive sufficient compensation to replace your home with a new one of similar quality and features, accounting for the current costs of construction materials and labor in Hinesville.

Insurance Needs for RV Owners in Hinesville, GA

RV Storage Facility Fire Insurance: If you frequently store your RV in Hinesville’s RV storage facilities, consider adding an RV storage facility fire insurance endorsement to your policy. This endorsement provides coverage for fire-related damages that may occur within the storage facility premises, providing additional protection and peace of mind.
Extended Roadside Assistance for RVs: Given the significant distances covered by RV owners in and around Hinesville, consider adding an extended roadside assistance package specifically designed for RVs. This coverage should offer services tailored to the unique needs of RVs, such as towing, tire changes, and locksmith services, ensuring you have comprehensive support during your travels.

Remember to consult with insurance professionals familiar with Hinesville’s specific insurance needs for personalized advice and coverage options suited to your situation.