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

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

Marietta’s history dates back to 1834 when the city was established as the seat of Cobb County. With a central location near Atlanta, Marietta quickly grew into a bustling railroad town, playing a vital role in transporting goods and people across the region. The city’s rich heritage is evident in its well-preserved historic downtown, where stately antebellum homes and charming brick buildings stand as testaments to its past.

One of the city’s iconic attractions is the Marietta Square, a picturesque gathering place steeped in history and culture. Stroll through the square’s charming streets, lined with boutique shops, art galleries, and delightful eateries. Immerse yourself in the vibrant atmosphere of the Farmer’s Market, where locally grown produce, homemade goods, and live music create an enchanting experience every Saturday morning.

For history enthusiasts, a visit to the Marietta Museum of History is a must. Delve into the city’s past as you explore artifacts, photographs, and exhibits that showcase Marietta’s role in the Civil War, including the pivotal Battle of Kennesaw Mountain. Uncover the stories of the brave soldiers, the struggles of the community, and the resilience that shaped Marietta into the city it is today.

Nature lovers will find solace within the lush landscapes of Marietta. Escape to Kennesaw Mountain National Battlefield Park, a serene sanctuary that offers peaceful hiking trails and breathtaking views of the surrounding area. Explore the trails that wind through the historic battlefield, immersing yourself in the natural beauty while delving into the past.

An obscure fact about Marietta lies within its ties to famous figures of history. The city was once home to “Gone with the Wind” author Margaret Mitchell. Visitors can explore the Margaret Mitchell House and Museum, a site of literary importance that provides insights into the life and work of this iconic author.

Beyond its attractions, Marietta embodies the essence of a great place to live. With top-rated schools, a thriving arts scene, and a strong sense of community, it offers a high quality of life for residents. Savor the culinary delights at local restaurants that showcase a variety of cuisines, from classic Southern comfort food to international flavors. Take advantage of the numerous parks and recreational facilities, where families can gather for picnics, sports, and community events.

For RV enthusiasts, Marietta is an excellent place to embark on adventures. From nearby RV parks and campgrounds like Camp Lord Willing and Riverside Estates, outdoor enthusiasts can explore the wonders of Georgia’s natural beauty. Traverse scenic routes, such as the Silver Comet Trail or the charming countryside that surrounds the city, creating memories to last a lifetime. Moreover, Marietta caters to the housing needs of mobile, manufactured, or modular homeowners. With various communities tailored to these preferences, individuals and families can find their perfect home in a welcoming and well-maintained neighborhood, complete with amenities to enhance their lifestyle.

In conclusion, Marietta invites you to discover the treasures tucked within its charming streets and natural landscapes. Immerse yourself in its rich history, indulge in its vibrant culture, and embrace the warmth of its community. With highlights for RV enthusiasts and mobile/manufactured/modular homeowners, Marietta offers a tapestry of experiences that will leave you enchanted by the city’s undeniable allure.

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
Marietta, GA

Choosing the Right Mobile Home Insurance for
Marietta, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: Marietta is prone to severe thunderstorms that can bring strong winds, heavy rain, lightning, and the risk of hailstorms. Hail can cause damage to vehicles, roofs, and other property.
  • Data:
    • Average annual thunderstorm days: 50 days
    • Hail risk level: Moderate
  • Tips for mobile homeowners and RV owners:
    • Stay informed: Monitor local weather forecasts and listen for severe weather alerts or warnings.
    • Find sturdy shelter: Identify a secure location within your mobile home or RV where you can take shelter during a storm. If possible, seek alternative shelter in a well-built building nearby.
    • Protect your vehicle: If a hailstorm is expected, try to park your mobile home or RV in a covered area or under a sturdy structure to minimize the risk of hail damage.
    • Consider insurance: Ensure your mobile home or RV is adequately covered by insurance, including coverage for potential hail damage.

  • Description: Marietta experiences hot and humid summers with extended periods of high temperatures and elevated heat index values, leading to an increased risk of heat-related illnesses.
  • Data:
    • Average July high temperature: 90°F (32°C)
    • Average number of days above 90°F (32°C) per year: 77 days
  • Tips for mobile homeowners and RV owners:
    • Provide shade: Park your mobile home or RV in shaded areas whenever possible to reduce heat buildup inside.
    • Use reflective materials: Apply reflective window coverings or shades to minimize heat gain.
    • Stay cool: Utilize fans, air conditioning, or portable cooling devices to maintain a comfortable temperature inside.
    • Stay hydrated: Drink plenty of water and avoid excessive consumption of caffeine and alcohol, as they can contribute to dehydration.

  • Description: Marietta experiences occasional winter storms with freezing temperatures, ice accumulation, and the potential for power outages and dangerous road conditions.
  • Data:
    • Average annual snowfall: 2 inches
    • Average number of days below freezing per year: 39 days
  • Tips for mobile homeowners and RV owners:
    • Winterize your property: Insulate pipes, seal any drafts, and ensure your mobile home or RV is well-prepared for freezing temperatures.
    • Heat source and fuel supply: Ensure you have a reliable heating source and enough fuel to sustain warmth in case of power outages.
    • Monitor road conditions: Stay informed about road closures and potential hazardous conditions. Avoid unnecessary travel during winter storms.
    • Emergency supplies: Keep a stock of emergency supplies, including blankets, non-perishable food, drinking water, flashlights, batteries, and a first aid kit.

Remember, these tips should be considered as general guidance, and it’s important to follow advice and alerts from local authorities during severe weather events. Prioritize your safety, stay informed, and adapt your preparations and actions based on the specific circumstances and guidance provided by responsible sources.

Crime Rates:

Crime Rates:

  • The crime rate in Marietta is considerably higher than the national average across all communities in America, although it is not among the communities with the very highest crime rate.
  • The chance of becoming a victim of either violent or property crime in Marietta is 1 in 33.
  • Compared to other communities in Georgia, Marietta has a crime rate that is higher than 84% of the state’s cities and towns of all sizes.
  • When compared to communities of similar population size, Marietta’s crime rate stands out as higher than most.

  • Marietta has a higher rate of violent crime compared to most communities of all population sizes in America.
  • Violent offenses tracked include armed robbery, aggravated assault, rape, and murder.
  • The chance of becoming a victim of a violent crime in Marietta is 1 in 216, with a rate of 5 per one thousand inhabitants.

  • Marietta’s rate for property crime is 26 per one thousand population.
  • This indicates an above-average chance of becoming a victim of a property crime compared to all other communities in America of all population sizes.
  • Property crimes tracked include motor vehicle theft, arson, larceny, and burglary.
  • The chance of becoming a victim of any property crime in Marietta is 1 in 39.

  • Given the higher crime rates in Marietta, it is crucial for mobile homeowners and RV owners to prioritize their personal safety and the security of their property.
  • Secure your mobile homes or RVs with strong locks and consider installing a security system.
  • Park your mobile homes or RVs in well-lit and secure areas, such as gated communities or storage facilities.
  • Connect with neighbors and establish a community watch program to increase security and report any suspicious activities to the local authorities.
  • Be vigilant and travel in groups when possible, particularly in areas with higher crime rates.

It is important for mobile homeowners and RV owners in Marietta to take extra precautions to ensure their safety and protect their property due to the higher crime rates in the area.

Additional Tips:

Additional Tips:


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.


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


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.


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.


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.


If you own the land where your mobile home is located, consider getting title insurance to protect against any future property disputes or liens. Conduct a thorough title search before purchasing land to identify any potential issues. Consult with a real estate attorney or a title insurance company for assistance with this process.

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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:

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
Marietta, GA.

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

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

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

Proximity to Highways or Busy Roads: If your property is located near busy roads or highways, it may impact your insurance rates as insurers may consider increased risks associated with higher traffic and potential accidents.

Window and Door Protection: Taking measures to secure windows and doors with sturdy locks and security bars can help deter burglaries and may impact insurance premiums.

Ice and Snow Coverage: If you experience freezing temperatures or heavy snowfall, consider coverage for damage caused by ice dams, frozen pipes, or other winter-related perils.

Tropical Weather Coverage: Though uncommon, Georgia can experience the impact of tropical storms or hurricanes. Consider obtaining coverage for damage caused by wind, rain, and flooding associated with these weather events.

Foundation Coverage: Consider adding this endorsement to protect against damage to your mobile home’s foundation, such as shifting or settling due to soil conditions or natural disasters.

Replacement Cost Coverage: To ensure your mobile or manufactured home is replaced without depreciation being applied, consider adding this endorsement to your policy.

Campsite Liability Coverage: If you frequently park and use your RV at campsites, consider adding campsite liability coverage to protect against accidents or injuries that may occur while parked at a campground.

Emergency Vacation Expense Coverage: Consider adding this endorsement to your RV insurance policy, which can cover additional lodging, transportation, and meal expenses if your RV becomes uninhabitable during a trip.

Please note that these are general recommendations, and it’s important to consult with your insurance provider to determine the specific coverage options and endorsements suitable for your individual needs and circumstances.





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