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Protect Your Manufactured Home in Montgomery, AL

Covertree’s Comprehensive Guide

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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 Mobile, AL: Costs, Coverage, and Considerations

Welcome to Montgomery, Alabama - a city where the echoes of a pivotal past meet the vibrant pulse of progress and innovation. Nestled on the banks of the Alabama River, Montgomery beckons as a city of profound historical significance, blended seamlessly with the energy of contemporary urban life. Here, every street, building, and monument tells a story, inviting you to be part of its continuing narrative.

As you journey through the heart of Montgomery, you tread on hallowed ground, where the Civil Rights Movement etched pivotal chapters in America’s history. The Dexter Avenue King Memorial Baptist Church stands as a beacon of hope and struggle, where Dr. Martin Luther King Jr. once preached messages of equality and justice. The Civil Rights Memorial, designed by Maya Lin, pays homage to the heroes of the movement, their sacrifices forever etched in water and stone.

Yet, Montgomery's historical tapestry extends beyond its civil rights landmarks. It is also the city where the Confederate States of America was born, and where Jefferson Davis took the oath of office as President. The First White House of the Confederacy and the Alabama State Capitol are testament to these complex and significant chapters in American history.

Venture beyond the corridors of history into Montgomery's thriving cultural scene. The Montgomery Museum of Fine Arts, set amidst the lush Blount Cultural Park, showcases a stunning collection of American and regional art. The city's performing arts flourish at venues like the Alabama Shakespeare Festival and the Montgomery Performing Arts Centre, where the arts come alive in a celebration of creativity and talent.

The natural beauty of Montgomery complements its urban and historical charm. Stroll along the Riverwalk, a picturesque development along the Alabama River, offering serene views, delightful eateries, and an amphitheater for live events. The Riverfront Park, with its boat rides and leisure amenities, is a perfect spot to unwind and soak in the tranquil riverside ambiance. In Montgomery, the culinary experience is as rich and diverse as its history. Savor the flavors of Southern cuisine, from classic soul food to contemporary gastronomic creations. The city's dining scene reflects a fusion of tradition and innovation, providing a culinary journey through the tastes of the South.

Montgomery’s commitment to education and progress is evident in its universities and tech initiatives, positioning the city as a hub for learning and future development. The legacy of the past and the dynamic of the present converge, fostering a community that looks forward with optimism and respect for its roots.

Embark on a journey through Montgomery, where the echoes of history resonate in the streets, the arts flourish, and the river's gentle flow whispers tales of yesteryear and visions of tomorrow. Welcome to Montgomery, Alabama, a city where each moment is a thread in the fabric of a rich and enduring story.

Understanding Mobile Home Insurance in Alabama

General Facts about Mobile Home Insurance in Alabama:

Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average​​.

Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.
Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.
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.
Mobile home insurance regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.
Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.
Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.
Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.

Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.

Coverage Options for Mobile Home Insurance in Alabama:

Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average​​.
Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.
Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.
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.
Mobile home insurance regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.
Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.
Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.
Travel trailers, camping trailers, and motor homes are typically insured under automobile, recreational vehicle, or special policies.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.

Do I Need Mobile Home Insurance in Alabama

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.

RV Insurance in Alabama: A Guide for Outdoor Enthusiasts .

Coverage Options for Mobile Home Insurance in Alabama:

  • Motorhomes need insurance since they’re driven, not towed.
  • Towed RVs like campers may not require insurance, except when financed.
  • RVs require standard vehicular insurance, including bodily injury, property damage liability, and uninsured motorist coverage.
  • Optional coverages include comprehensive, collision, and personal injury protection.
  • Total Loss Replacement, custom equipment, and vacation liability cater to RV-specific needs.
  • Roadside assistance and personal effects coverage safeguard against unexpected travel incidents.
  • RV policies can insure personal-use RVs for up to 250 days annually.
  • Choose from various settlement options like Agreed Value or Replacement Cost for total losses.
  • Look for 24/7 customer support and skilled claims teams from insurers.
  • Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Always ensure your RV insurance aligns with Alabama's regulations and your lifestyle needs. Whether exploring the Gulf Shores or tailgating at a Crimson Tide game, proper coverage ensures peace of mind on every journey.

Unique Considerations for Alabama Mobile Home Insurance

Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:

Alabama law may require specific foundation standards for anchoring manufactured homes for safety and insurance eligibility.

Familiarize with Alabama’s unique regulations for manufactured homes, including titling and installation standards.

  • RV policies can insure personal-use RVs for up to 250 days annually.
  • Choose from various settlement options like Agreed Value or Replacement Cost for total losses.
  • Look for 24/7 customer support and skilled claims teams from insurers.
  • Discounts may be available for safe drivers, original owners, and multi-policy bundles.
  • Look for 24/7 customer support and skilled claims teams from insurers.
  • Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Implementing storm safety features can qualify homeowners for insurance discounts in Alabama.

Understanding how your manufactured home is taxed in Alabama, which can differ based on whether it’s classified as personal property or real estate.

Due to the state’s climate, regular maintenance to combat humidity and heat is crucial for preserving the home’s condition and insurance compliance.

Living in a manufactured home community in Alabama may come with specific rules or standards that impact insurance and living conditions.

Tips for Purchasing RV or Mobile & Manufactured Home Insurance in Alabama:

When purchasing RV or mobile and manufactured home insurance in Alabama, consider these tips:

  • Assess Natural Disaster Coverage: Ensure policies cover Alabama-specific risks like tornadoes and hurricanes.
  • Verify Flood Insurance Needs: Since standard policies don't cover floods, consider additional coverage, particularly if you're in a flood zone.
  • Understand State Regulations: Be aware of Alabama's unique requirements for mobile home setup and anchoring, which can affect insurance eligibility.
  • Consider Liability Limits: Given the higher risks associated with mobile homes, opt for higher liability coverage.
  • Look for Wind Mitigation Discounts: Alabama insurers may offer discounts for homes with storm-resistant features.
  • Compare Replacement Cost vs. Actual Cash Value: Decide if you need coverage that pays for a new RV/home or its depreciated value.
  • Check Zoning Laws Compliance: Ensure your mobile home meets local zoning and installation laws, which can impact insurance.
  • Document Personal Property: Keep an inventory of personal belongings in your RV/home for accurate personal property coverage.
  • Plan for Maintenance: Regular maintenance can prevent issues that might lead to insurance claims.
  • Work with Specialized Agents: Seek agents experienced in non-traditional home insurance for tailored advice and coverage options in Alabama.

Choosing the Right Mobile Home Insurance for Montgomery, AL

Weather & Environmental Risks:

Montgomery, Alabama, faces various weather risks, predominantly characterized by lightning, strong winds, and less frequent but impactful tornadoes. Here's a detailed look at these risks and their implications for mobile/manufactured home and RV owners:

  • Description: Montgomery experiences frequent lightning due to its climatic conditions. Lightning can strike suddenly during thunderstorms, posing a risk to life and property.
  • Implications for Mobile/Manufactured Homes and RVs:
    • Safety Hazards: Increased risk of lightning strikes causing fires or electrical damage.
    • Precautions: Need for surge protectors and grounding systems to protect against electrical surges.
    • Emergency Response: Ensuring quick access to emergency services in case of a lightning strike.
  • Description: The region is prone to strong winds, especially during thunderstorms and seasonal weather changes.
  • Implications for Mobile/Manufactured Homes and RVs:
    • Structural Damage: Potential for wind damage to lighter structures, awnings, and external fixtures.
    • Anchoring Systems: Importance of robust anchoring systems for mobile homes and RVs to withstand high winds.
    • Evacuation Plans: Need for a well-planned evacuation strategy in case of severe wind warnings.
  • Description: While tornadoes are less frequent, Montgomery is not immune to them. Tornadoes can cause significant destruction in a very short time.
  • Implications for Mobile/Manufactured Homes and RVs:
    • Vulnerability to Destruction: High susceptibility of mobile/manufactured homes and RVs to tornado-induced damage.
    • Safety Protocols: Importance of having a tornado safety plan, including knowing the nearest shelter locations.
    • Alert Systems: Ensuring access to reliable weather alert systems for timely tornado warnings.
  • Emergency Kits: Maintaining well-equipped emergency kits with essentials like flashlights, batteries, first aid supplies, and important documents.
  •  
  • Weather Apps and Alerts: Using weather apps and signing up for local alerts to stay informed about potential severe weather.
  •  
  • Community Resources: Being aware of community resources, such as evacuation centers or emergency services, especially during high-risk weather periods.

Residents of Montgomery, especially those in mobile/manufactured homes and RVs, should remain vigilant about the potential weather risks, primarily lightning and strong winds, and less frequently, tornadoes. Proactive measures, including structural reinforcements, emergency preparedness, and staying informed, are key to ensuring safety and minimizing the impact of these weather-related risks.

Recommended Attractions in/around Montgomery:

  • Location: 252 Montgomery St.
  • Highlights: Interactive displays, a replica of the bus where Rosa Parks made history, and multimedia exhibits about the Montgomery Bus Boycott.
  • Admission: $5.50 for adults, $3.50 for kids 12 and under.
  • Location: 454 Dexter Ave.
  • Highlights: Historic church where Dr. Martin Luther King Jr. preached; tours available showcasing civil rights history.
  • Tours: Guided tours available ($2 adults, $1 children).
  • Location: 309 S. Jackson St.
  • Highlights: The former home of Dr. Martin Luther King Jr., showcasing mid-1950s decor and important historical events.
  • Admission: $3 adults, $2 children 11 and under.
  • Location: 400 Washington Ave.
  • Highlights: Designed by Maya Lin, this memorial honors civil rights martyrs; adjacent center offers educational exhibits.
  • Admission: $2 for adults, free for children 17 and under.
  • Location: 644 Washington Ave.
  • Highlights: Historic house where Jefferson Davis once lived, featuring period furnishings and personal belongings.
  • Admission: Free.
  • Location: 118 Commerce St.
  • Highlights: Memorabilia of the famous country singer, including his 1952 Cadillac.
  • Admission: $8 adults, $3 children 11 and under.
  • Location: 301 Columbus St.
  • Highlights: A collection of over 40 restored 19th and early 20th-century structures showcasing historical village life.
  • Admission: $8 adults, $4 children ages 6 to 18.
  • Location: 1 Museum Dr., Blount Cultural Park.
  • Highlights: Features Southern regional art, old masters, and interactive children’s gallery.
  • Admission: Free.
  • Location: 919 Felder Ave.
  • Highlights: Museum dedicated to the famous author and his wife, housed in their former residence.
  • Admission: Free, donations accepted.
  • Day Trip Idea: About an hour’s drive from Montgomery.
  • Highlights: Dedicated to the history of voting rights, with a focus on the Selma to Montgomery marches and Bloody Sunday.

Additional Tips:

  • Montgomery Biscuits Baseball Game: Enjoy a game at Riverwalk Stadium, with family-friendly amenities and local snacks.
  • Riverfront Amphitheater: Offers concerts, movies, and plays in an outdoor setting along the Alabama River.
  • Historical Walking Tours: Explore the city's rich history with guided walking tours focusing on civil rights and historical landmarks.

Tips for Visitors:

  • Dining: Montgomery offers a variety of dining options, including Southern cuisine and local specialties.
  • Transportation: While some attractions are walkable in the downtown area, having a car is convenient for exploring more distant sites.
  • Accommodation: There are several options ranging from historic hotels to modern accommodations in and around downtown Montgomery.

Montgomery provides a profound and educational experience for visitors, offering insight into significant historical events, especially those related to the Civil Rights Movement, and showcasing the rich cultural heritage of Alabama.

Property Crimes

Violent Crime

  • Rate: Exceptionally high, among the top nationwide.
  • Types of Crime: Includes rape, murder, armed robbery, and aggravated assault.
  • Risk of Victimhood: 1 in 162 chance of being a victim of violent crime.
  • Murder Rate: Significantly high compared to other cities.

Property Crime

  • Prevalence: A major part of overall crime in Montgomery.
  • Types of Crime: Comprises burglary, larceny, motor vehicle theft, and arson.
  • Risk of Victimhood: 1 in 28 chance of encountering property crime.
  • Motor Vehicle Theft: Extremely high rate, with a 1 in 165 chance.

Additional Insights:

  • Overall Crime Rate: 40 crimes per one thousand residents, placing it among the highest in America.
  • Comparison with Alabama: Higher than over 88% of communities in Alabama.
  • National Context: Ranked as significantly more dangerous than most U.S. cities.

Safety Tips for Mobile/Manufactured Home and RV Owners in Montgomery

  • Invest in high-quality locks for doors and windows.
  • Use security doors or bars where applicable.
  • Ensure adequate exterior lighting, especially near entrances.
  • Use motion-detecting lights for added deterrence.
  • Participate in or start a neighborhood watch group.
  • Stay connected with neighbors for mutual support.
  • Keep valuables out of sight and securely stored.
  • Consider a safe for important documents and items.
  • For RVs, use wheel locks and hitch locks.
  • Always lock vehicles and never leave keys inside.
  • Install CCTV cameras around the property.
  • Consider smart home security systems with remote monitoring.
  • Regularly check and maintain security equipment.
  • Stay vigilant and report any suspicious activities to law enforcement.

By adhering to these precautions, residents of mobile/manufactured homes and RVs in Montgomery can significantly enhance their safety and reduce their risk of falling victim to crime.

Additional Tips:

Alabama RV Camping Guide

1) Explore the best RV campsites in Alabama.

2) Learn about amenities and reservation tips.

3) Be aware of campsite rules and etiquette.

Fire Safety in Mobile and Manufactured Homes

1) Install smoke detectors and regularly test them.

2) Keep a fire extinguisher handy and know how to use it.

3) Plan and practice an escape route with your family.

Alabama RV Parks and Insurance Considerations

1) Choose RV parks that offer insurance-friendly facilities.

2) Know what your RV insurance covers while parked.

3) Consider additional liability coverage for extended stays.

Protecting Mobile Homes from Severe Heat

1) Use reflective roof coatings to reduce heat absorption.

2) Install awnings or sunshades over windows.

3) Stay hydrated and keep an eye on indoor temperatures.

RV Insurance: Full-Time vs Part-Time

1) Understand the difference in coverage for full-time vs part-time RVing.

2) Adjust your policy based on how often you use your RV.

3) Consider additional coverage for full-time living.

Mobile Home Renovation Insurance Tips

1) Notify your insurer before starting renovations.

2) Check if your policy covers renovation-related damages.

3) Update your insurance post-renovation to reflect changes in home value.

Did You Know?

In Montgomery, AL mobile homes must be titled with the Secretary of State.

Alabama Mobile Home Facts

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:

  • Walker County: Leads with 31.5% of homes being mobile.
  • Cullman County: Follows closely with 27.4% mobile homes.
  • St. Clair County: Has a substantial 28.0% mobile homes.
  • DeKalb County: Reports 21.9% of homes as mobile.
  • Talladega County: Features 20.7% mobile homes.
  • Lee County: Contains 17.0% mobile homes.
  • Calhoun County: Accounts for 15.8% mobile homes.
  • Houston County: With 12.9% of the housing stock being mobile.
  • Limestone County: Holds 12.8% mobile homes.
  • Morgan County: Completes the list with 10.2% mobile homes.

Mobile Home Village

Analyzed large data pockets and were able to discern some interesting statistics about mobile homes and communities in the state:

  • The average price of a pre-owned mobile home is around $60500.
  • The average model year of a pre-owned manufactured home is 2010.
  • The average pre-owned home size is 1597 square feet.
  • The average sites in a manufactured home community stands at roughly 66.
  • The average year a mobile/manufactured community was developed is 1982.
  • There are 25 age-restricted communities and 567 all-age communities.

Mobile and Manufactured Home Insurance Statistics in Alabama:

Here's what you need to know about registering your home sweet mobile home in good ole’ Alabama:

Got a New Place?

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:

Cozying up on Your Own Land?

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.

Just the Home?

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.

Selling or Buying?

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!

Titles Are a Must for '92 Onwards!

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.

On the Move?

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.

Set Up Fees?

Check with local inspection departments for any setup fees in the area where you're laying down roots.

What's the Damage to Your Wallet?

  • Registration: $24 for a single-wide, $48 for a double-wide or larger.
  • Commercial (Rental): $48 for a single-wide, $96 for a double-wide or larger.
  • Decal Issuance Fee: $5.75 each.
  • Title Fee for Manufactured Homes: $23.75 each.

Got a Manufactured Home That's 20 Years or Younger?

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.

Learn about The Alabama Manufactured Housing Commission (AMHC)

The Alabama Manufactured Housing Commission (AMHC) oversees various aspects of manufactured homes through its rules and regulations. The key areas covered include:

Guidelines for the resale process to ensure transparency and fairness.

Standards for the construction and setup of manufactured buildings.

Requirements for the training and certification of those installing manufactured homes.

Regulations governing the safe transport of manufactured homes/buildings.

Protocols for the secure anchoring and blocking of structures, including the manufacturing of anchors and tie-downs.

Mandatory licensing and educational criteria for sales personnel in the industry.

Financial security measures required for operators within the sector.

Outlines the fees associated with various services and procedures.

The criteria for licensing entities involved in manufacturing and retail.

A system to resolve disputes between manufacturers, dealers, and consumers​​.

Alabama Coastal Property Insurance Pool - AIUA

The Alabama Insurance Underwriting Association (AIUA) is dedicated to providing essential insurance for property owners in Baldwin and Mobile counties who can't secure coverage through the private market.

Established in the early 1970s and codified in 2008, AIUA offers various deductible options and discounts for homes built to fortified standards or those with wind loss mitigation features. AIUA stresses the importance of maintaining insurable property conditions and encourages property owners to read policy details thoroughly, noting that flood insurance is required for properties in flood zones, as their policies do not cover flood damage.

Claims should be reported promptly via phone or online, and temporary repairs must be documented to prevent further damage. Payments are accepted via check, money order, or through an agent using credit card or ACH, but not in cash.

Know Your Rights:

Finding A Manufactured Home in Montgomery, AL.

If you're in the market for a mobile or manufactured home in Montgomery, 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 Montgomery.

Blue Ridge Mobile Home Park

Location: 1870 Blue Ridge Drive, Montgomery, AL 36110
Type: All Ages Community
Pet Policy: Pets allowed, must be on leash if outside
Features: Average street width, paved streets, no age restrictions
Year Built: 1964
Number of Sites: 80
Homes: Multisection (5%), peaked roofs (100%), lap siding (10%)
Proximity: 1.6 miles to water, 4 miles to golf, 1 mile to parks

Pike Road Village

Location: Near Taylor Road and Troy Hwy (Rte 231), Pike Road, AL 36064
Highlights: Exclusive manufactured home community in Pike Road with easy access to Montgomery
Security: On-site management, maintenance, and security, including a single entrance/exit, security cameras, and ample street lighting
Amenities: Clubhouse, green spaces, near schools (Park Crossing High School, Pike Road K-8 School)
Contact: pikeroadvillage@gmail.com, 334-201-8565
Last Updated: July 23, 2015

Sunshine Village MHC

Location: 449 N. Eastern By-Pass, Montgomery, AL 36117
Contact: Phone: 334-272-8776, Fax: 334-272-8777, Email: sunvil@knology.net
Security: Well-lit streets, secure mailboxes, 24/7 surveillance with commercial-grade cameras, Neighborhood Watch program
Utilities: Access to major utilities including WOW! for internet/cable/telephone
Maintenance: Regular trash pick-up, on-site maintenance staff, personal storage units available

Each of these communities in Montgomery, AL, offers a range of amenities and features, catering to diverse needs and preferences. For more information or to schedule a visit, contacting the respective offices is recommended. These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Montgomery, AL. 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 Montgomery, AL.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Mobile'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 Montgomery:

For Mobile and Manufactured Home Owners or Renters in Montgomery, AL:

  • Reasoning: Montgomery, AL, is prone to tornadoes. This endorsement provides added protection specifically against tornado damages for mobile and manufactured homes.

 

Reasoning: Montgomery is situated near the Alabama River, which increases the risk of flooding. Flood insurance is essential to safeguard your property from water damage.

Reasoning: If you live in a mobile home park, this endorsement offers liability coverage tailored to the unique risks associated with this living arrangement.

For RV Owners in/visiting Montgomery, AL:

Reasoning: Mobile offers scenic coastal areas. This coverage protects your RV while it’s parked at waterfront sites, including those near Mobile Bay.

Reasoning: Montgomery hosts the Alabama State Capitol. This endorsement provides added protection for your RV when parked near this historic site.

Reasoning: If you participate in or host events in Montgomery, such as festivals or gatherings, this endorsement offers liability coverage during such activities.

These endorsements address the unique needs and risks faced by mobile and manufactured home owners or renters and RV owners in Montgomery, AL, considering tornadoes, river proximity, liability in mobile home parks, civil rights historic sites, state capitol visits, and local event participation. Collaborating with a local insurance professional can help you create a customized coverage plan that meets your needs effectively in Montgomery, AL.

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

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CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses. 

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Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

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