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 Madison, AL – a city where the pulse of innovation beats in harmony with a strong sense of community and the beauty of the Alabama landscape. Situated in the heart of the Tennessee Valley, Madison, Alabama, blends the charm of a small town with the vibrancy of technological progress, creating a unique and welcoming atmosphere.
As you journey through Madison, feel the energy of a city that thrives on innovation and growth. Home to engineers, scientists, and entrepreneurs, Madison’s proximity to Huntsville and the Redstone Arsenal has shaped it into a hub for aerospace and technology. This spirit of advancement is palpable, infusing the city with a forward-thinking dynamism while maintaining its friendly, small-town essence.
Madison’s commitment to community and quality of life is evident in its picturesque neighborhoods, excellent schools, and abundant recreational opportunities. The city takes pride in its top-rated educational system, nurturing the potential of its youngest residents and fostering a lifelong love for learning.
The natural beauty of Madison offers a serene counterpoint to its technological prowess. Explore the winding trails and verdant spaces of Rainbow Mountain Preserve, where the tranquility of nature provides a peaceful retreat from the bustle of daily life. The landscape of Madison is a playground for outdoor enthusiasts, offering everything from hiking and biking to leisurely picnics under the Alabama sky.
The heart of Madison beats strongest in its vibrant community life. The city hosts numerous events throughout the year, from the festive Madison Street Festival to the lively sounds of the Madison Gazebo Concerts. These gatherings are a celebration of the community spirit that defines Madison, bringing together residents of all ages and backgrounds in shared enjoyment and fellowship.
In Madison, the culinary experience is as diverse as its population. Enjoy the flavors of Southern cuisine, international dishes, and everything in between. The city’s restaurants and eateries offer a taste of Madison’s eclectic and welcoming community, each meal a chance to gather and share in the joy of good food and good company.
Beyond its modern amenities and natural beauty, Madison is a city that cherishes its history and heritage. The Historic Madison Station, for instance, stands as a reminder of the city’s past as a key stop along the Memphis & Charleston Railroad, symbolizing Madison’s enduring connection to its roots even as it embraces the future.
Discover Madison, Alabama, a city where innovation and tradition, community and solitude, nature and progress dance in a beautiful, ever-evolving rhythm. Welcome to Madison, where every street, every park, and every smiling face tells the story of a city not just living in the present but reaching for the future, all while holding fast to the values and connections that make it a truly special place to be.
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:
Residents in mobile/manufactured homes and RVs in Madison County need to be particularly proactive in preparing for these hazards. This includes structural reinforcements, having emergency plans and kits, staying informed about weather and geological risks, and ensuring appropriate insurance coverage. Regular maintenance and inspection of homes and vehicles are also crucial for safety during these events.
Nationally: Safer than most cities of similar size in America.
1) Tips to qualify for discounts on your RV insurance.
2) Understanding safe driver, bundling, and loyalty discounts.
3) Regular policy reviews to maximize savings.
1) Preventive plumbing maintenance to avoid costly repairs.
2) Recognizing signs of potential plumbing issues.
3) How plumbing maintenance impacts your insurance rates.
1) Discover unique and must-visit RV destinations in Alabama.
2) Tips for planning your visit and RV parking at these attractions.
3) Special considerations for insurance when visiting unique locations.
1) Break down the essentials of your policy for clarity.
2) Key coverages and exclusions to be aware of.
3) Advice on regularly reviewing and updating your policy.
1) Best options for staying connected on the road.
2) Understanding data plans and portable Wi-Fi for RVs.
3) How internet connectivity affects your RV lifestyle and insurance
1) Benefits of installing storm windows in your mobile home.
2) How storm windows can protect against weather damage.
3) The impact of storm windows on your insurance premiums.
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.
