Any questions?
(877) 417-8733

Protect Your Manufactured Home in Monroe, GA

Covertree’s Comprehensive Guide

Powered by

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 Monroe, GA : Costs, Coverage, and Considerations

Welcome to Monroe, Georgia - a charming city that beautifully blends history, culture, and southern hospitality. Nestled in the heart of Walton County, Monroe is home to a rich tapestry of stories, a vibrant community, and a plethora of attractions that are sure to enchant visitors and residents alike.

With a history dating back to the early 19th century, Monroe bears witness to the footsteps of pioneers who settled the area, leaving a lasting legacy that can be explored throughout the city. Once known as "Waldo," Monroe was renamed in honor of President James Monroe in 1821. This historical origin sets the stage for an exploration of the city's deep roots, as you wander through its streets and uncover the secrets of its past.

Monroe holds significant importance in Georgia's history, serving as the county seat of Walton County. The iconic Walton County Historic Courthouse, an architectural gem built in 1885, stands proudly in the town square, bearing witness to countless trials, triumphs, and turning points in the city's narrative. Today, it serves as a symbol of Monroe's enduring spirit and a gathering place for community events.

For history enthusiasts, a visit to the Monroe Museum is a must. Housed in the renovated 1915 Bank of Monroe building, the museum takes visitors on a journey through time, showcasing artifacts, photographs, and exhibits that chronicle the city's development. Discover the stories of the Cherokee people who once inhabited the land, the resilience of early settlers, and the impact of the cotton industry on Monroe's growth.

Beyond its historical allure, Monroe offers an array of attractions that cater to diverse interests. Nature lovers can seek solace in the scenic charms of Hard Labor Creek State Park, located just a short drive away. This sprawling park boasts lush forests, picturesque lakes, and a network of trails that beckon hikers and outdoor enthusiasts to explore its natural wonders. As you explore the city, you'll find a thriving arts and culture scene that adds vibrancy to Monroe's atmosphere. The Monroe Art Guild showcases local talent through rotating art exhibits and hosts workshops to nurture creativity. Enjoy live performances at the beautifully restored Monroe-Walton Center for the Arts, which hosts theater productions, concerts, and art classes for all ages.

Quaint shops and charming boutiques line the streets of downtown Monroe, offering a delightful shopping experience. Explore unique antique stores, boutique clothing shops, and treasure-filled hideaways where you can find one-of-a-kind souvenirs and gifts.

Monroe also prides itself on its festivities, with annual events that bring the community together in celebration. The Monroe Farmers Market, held from spring to fall, showcases the abundance of local produce and crafts, offering a true taste of the region. Don't miss the Monroe Downtown Spring Fling, a lively event featuring live music, food vendors, and activities for the whole family to enjoy.

For RV enthusiasts, Monroe serves as an ideal basecamp to explore the surrounding natural wonders and embark on road trips through Georgia's picturesque landscapes. The city offers convenient RV parks and campgrounds, providing facilities and hook-ups for a comfortable stay. Experience the freedom of the open road and soak in the panoramic views as you journey through Monroe's scenic byways, venturing towards nearby destinations such as Athens or the majestic North Georgia mountains. What sets Monroe apart are the opportunities it offers to those seeking a place to call home. The city's welcoming community, affordable housing options, and proximity to major metropolitan areas make it an attractive choice for mobile, manufactured, and modular homeowners. Embrace the tranquility of Monroe's charming neighborhoods, where residents take pride in maintaining picturesque yards and fostering a warm sense of belonging.

Intriguingly enough, Monroe also boasts some obscure and fascinating facts. Did you know that it was once the hometown of the renowned Hollywood actress Julia Roberts? This Golden Globe-winning actress spent her formative years in Monroe before her rise to international stardom. Imagine walking the same streets that inspired and shaped the talent of this celebrated film icon. Whether you come for the rich history, the natural beauty, or the close-knit community, Monroe has something to offer everyone. Experience a city where the past intertwines seamlessly with the present, where stories are waiting to be unraveled, and where a warm Southern welcome awaits. So step into Monroe, Georgia, and embark on a journey of discovery, adventure, and a life well-lived.

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.

  • 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:

Choosing the Right Mobile Home Insurance for Monroe, GA

Weather & Environmental Risks:

  • Description: Monroe, Georgia, is in an area prone to tornadoes during certain times of the year. Tornadoes are violent windstorms that can cause extensive damage to property and pose risks to human life.
  • Data:
    • Monroe experiences an average of 2-3 tornadoes per year.
    • Tornadoes in this area typically occur from March to May.
    • The Enhanced Fujita Scale is used to rate the intensity of tornadoes, ranging from EF0 (weak) to EF5 (violent).

Tips for mobile homeowners and RV owners during tornadoes:

  • Develop an emergency plan and practice it regularly with your family.
  • Identify a sturdy shelter or evacuation route nearby to seek safety during tornado warnings.
  • Sign up for local weather alerts and have a portable weather radio with you at all times.
  • Secure any loose items outside your mobile home or RV that could become dangerous projectiles in high winds.
  • Description: Monroe, Georgia, experiences hot and humid summers, which can lead to extended periods of high temperatures known as heatwaves. Heatwaves can be dangerous, especially for those who are vulnerable to heat-related illnesses.
  • Data:
    • Average temperature during summer in Monroe is in the high 80s to low 90s Fahrenheit.
    • Heatwaves can persist for several days or weeks, with temperatures exceeding 95°F.

Tips for mobile homeowners and RV owners during heatwaves:

  • Use insulation materials or shades to keep your mobile home or RV cooler.
  • Install or use air conditioning systems to maintain a comfortable indoor temperature.
  • Stay hydrated by drinking plenty of water and avoid excessive outdoor activities during the hottest parts of the day.
  • Check and monitor the health of pets and ensure they have access to shade and water.
  • Description: Monroe, Georgia, is prone to flash floods, especially during periods of heavy rainfall. Flash floods can occur suddenly and cause rapid water rise, leading to dangerous situations.
  • Data:
    • Monroe receives an average of 52 inches of rain per year.
    • Flash floods are most common in late spring and early summer.

Tips for mobile homeowners and RV owners during flash floods:

  • Be aware of flood-prone areas in your vicinity and avoid parking or setting up your mobile home or RV in these areas.
  • If a flash flood warning is issued, move immediately to higher ground.
  • Keep important documents and essential supplies in a waterproof container, easily accessible in case of evacuation.
  • Maintain the tires and brakes of your RV or mobile home to ensure better control while driving on wet roads.

Remember, it’s essential to stay informed about local weather conditions and follow recommendations from local authorities during hazardous weather events.

Recommended Attractions in/around Monroe:

Disclaimer: The following attractions have been curated based on information available from various online sources. Please verify the current operating status and any specific rules or regulations before visiting each attraction.

  • Descriptor:
    • Enjoy outdoor activities such as camping, fishing, boating, and hiking in this scenic state park.
  • Tip:
    • Reserve your camping spot in advance, as the park is popular among outdoor enthusiasts.
  • Descriptor:
    • Explore this 6,400-acre center offering hunting, fishing, wildlife viewing, and educational programs.
  • Tip:
    • Don’t forget to bring your camera and binoculars to capture the diverse wildlife species in the area.
  • Descriptor:
    • Embark on a river adventure by canoeing or kayaking along the peaceful Broad River.
  • Tip:
    • Plan your trip during the weekdays for a quieter experience on the river.
  • Descriptor:
    • Discover the beauty of nature by hiking, camping, or picnicking in this expansive national forest.
  • Tip:
    • Research the different trails available and choose one that suits your physical fitness and time constraints.
  • Descriptor:
    • Take a serene walk through this 146-acre preserve, featuring trails, wetlands, and wildlife.
  • Tip:
    • Don’t forget your bug repellent, especially during the warmer months, to make your visit more comfortable.
  • Descriptor:
    • Enjoy a day of family-friendly fun at this working farm with activities like strawberry picking, a petting zoo, and seasonal festivals.
  • Tip:
    • Check their website or call ahead to confirm the availability of the different activities and events throughout the year.
  • Descriptor:
    • Unwind by the lake at this campground, offering boating, fishing, camping, and scenic views.
  • Tip:
    • Pack your fishing gear and try your luck catching one of the many fish species found in the lake.
  • Descriptor:
    • Explore the night sky at this public observatory, offering stargazing events, telescope viewing, and educational programs.
  • Tip:
    • Check their website or social media for upcoming stargazing events and be sure to dress warmly for nighttime observations.
  • Descriptor:
    • Visit this historic covered bridge, perfect for photography enthusiasts and history lovers.
  • Tip:
    • Capture some beautiful shots during sunrise or sunset, as the lighting can enhance the bridge’s charm.
  • Descriptor:
    • Go for a bike ride or a leisurely walk along this scenic trail located in nearby Conyers.
  • Tip:
    • Bring some snacks or a picnic lunch to enjoy at one of the designated picnic areas along the trail.

Please note that some attractions may have specific rules, fees, or operational changes due to external factors or events. It’s always a good idea to check the official websites or contact the respective attractions before planning your visit.

Crime Rates:

  • Monroe has a crime rate of 36 per one thousand residents, one of the highest in America compared to communities of all sizes.
  • The chance of becoming a victim of a violent or property crime in Monroe is one in 28.
  • Over 88% of Georgia communities have a lower crime rate than Monroe.
  • Monroe has a high rate of violent crimes compared to communities of all sizes.
  • Violent offenses include rape, murder, non-negligent manslaughter, armed robbery, and aggravated assault.
  • The chance of becoming a victim of a violent crime in Monroe is one in 177.
  • Property crime is prevalent in Monroe.
  • Tracked property crimes include burglary, larceny over $50, motor vehicle theft, and arson.
  • The chance of becoming a victim of a property crime in Monroe is one in 33.
  • Violent crime rate: One in 177 residents
  • Property crime rate: One in 33 residents
  • Secure your property: Invest in alarms, surveillance systems, and strong locks for your mobile home or RV.
  • Join a community watch program: Collaborate with fellow mobile homeowners or RV owners to enhance security measures and keep an eye out for any suspicious activities.

Additional Tips:


Install smoke detectors and carbon monoxide detectors in your home or RV and test them regularly.
Have a fire extinguisher in a convenient location and know how to use it.
Keep flammable objects away from heat sources and practice safe cooking.


Report repair needs and work with your landlord or rental agency to resolve them.
Keep your rental mobile home or RV clean and in good condition.
Adhere to waste management policies specified in your lease agreement.


Hire a licensed and reputable contractor to install a modular home.
Use high-quality materials and finishes for construction and installation.
Ensure that the modular home is well-installed before final setup .


Follow the manufacturer's care guidelines for your modular home.
Inspect your home regularly for structural damage and wear.
Keep plumbing, HVAC, and other systems well-maintained.


Test your mobile home or modular home for radon exposure, a harmful gas that can lead to lung cancer.
Seal any cracks or gaps in your foundation and install a radon mitigation system if needed.
Radon testing kits can be purchased at home improvement stores or online.


Ensure your mobile home or RV is insured while in transit or on the road. Review your policy to ensure it covers damage to your vehicle and personal property inside.
Consider purchasing uninsured motorist coverage to protect yourself in the event of an accident with an uninsured driver.

Did You Know?

In Monroe, GA mobile homes must be titled with the Secretary of State.

Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

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.

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.

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.

Learn about the Georgia Administrative Code Chapter (120-3-7! )

The Georgia Administrative Code Chapter 120-3-7 governs manufactured and mobile homes under the authority of the Georgia Safety Fire Commissioner. The regulations aim to:

The terms used within these regulations align with definitions provided by Georgia law and include specific roles like the Fire Safety Compliance Officer, responsible for inspections and enforcement​​.

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.

Finding A Manufactured Home in Monroe, GA.

If you're in the market for a mobile or manufactured home in Monroe, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Monroe.

Central Mobile Home Community

All ages community
Address: 225 West Fambrough Street, Monroe, GA 30655
65 sites, with 20% multi-section homes
Playground, recreational facilities, and off-street parking
Pet-friendly (2 small pets allowed) Contact: Shelly Bishop

Southside Mobile Home Park

All ages community
Address: 1450 South Broad Street, Monroe, GA 30655
101 sites, with 50% of homes having peaked roofs
Narrow street width Built in 1979
Approximately 4 miles from the nearest water source Contact: (770) 267-5814

Simmeron Park Mobile Homes and RV Community

Ideal for short or extended stays Address: 2225 Harry Arnold Rd., Monroe, GA 30655
Well-maintained park with shaded sites
50-amp and 30-amp power hookups Close proximity to nearby cities and national forests
Safe and friendly community atmosphere
Extended stay pricing: $600 per month
Contact: (770) 267-5814

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Monroe, GA. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Monroe, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Monroe'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!

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

  1. Burglary and Theft Coverage: Monroe, GA, like any other city, is susceptible to property crimes such as burglary and theft. It is recommended to ensure adequate coverage for personal belongings and valuable items within your mobile or manufactured home or RV.
  2. Vandalism Insurance: Vandalism can occur in any community, including Monroe. Consider adding vandalism coverage to your insurance policy to protect against damage caused by deliberate acts of vandalism.
  1. Windstorm Insurance: Monroe, GA is located in a region prone to severe windstorms, such as hurricanes and tornadoes. Make sure your insurance policy includes coverage for wind damage to your mobile or manufactured home or RV.
  2. Hailstorm Insurance: Hailstorms can cause significant damage to vehicles and property. Depending on the frequency and severity of hailstorms in Monroe, consider adding specific coverage for hail damage to your insurance policy.
  1. Mobile Home Replacement Cost Coverage: Since mobile and manufactured homes may depreciate over time, consider adding replacement cost coverage to ensure that your home can be replaced with a new one of similar quality in the event of a covered loss.
  2. Mobile Home Park Liability Insurance: If you live in a mobile home park in Monroe, consider adding liability coverage to protect against accidents or injuries that may occur on your property or in common areas.
  1. Total Loss Replacement Coverage: This endorsement provides coverage to replace your RV with a brand new one of similar make and model, typically within the first few years of ownership.
  2. Full-Timer Coverage: If you use your RV as a primary residence in Monroe, consider adding full-timer coverage to provide additional protection similar to a homeowners insurance policy, including personal liability and coverage for personal belongings.

Remember to consult with an insurance professional to determine the specific endorsement or insurance additions that would best suit your needs and the unique characteristics of Monroe, GA.

Now that you've got the lowdown on mobile home insurance coverage in Monroe, GA don't hesitate to get a CoverTree quote now.




Select the State You Want To View Cities In Map

CoverTree Brand Logo