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

Welcome to Norcross, Georgia - a city where the echoes of history resonate alongside the vibrant tapestry of a thriving community. Nestled in the heart of Gwinnett County, Norcross beckons visitors with its small-town charm, picturesque landscapes, and a rich heritage that spans centuries.

At the core of Norcross lies its storied history, dating back to the mid-19th century when the city was founded. Named after the influential Jonathan Norcross, the first four-term mayor of Atlanta, Norcross played a vital role in the development of Georgia, serving as a key railroad hub connecting Atlanta to the rest of the state. This proud heritage is evident as you stroll through Historic Downtown Norcross, where beautifully preserved Victorian-style buildings stand as testaments to the city's past. Begin your exploration of Norcross with a visit to the Norcross Welcome Center & History Museum, housed within a charming 1895 renovated house. Delve into the city's intriguing past through exhibits that showcase its transformation from a sleepy railroad town to a vibrant community.

Immerse yourself in Norcross' cultural scene by attending one of the many events and festivals that bring the city to life throughout the year. The charming Norcross Art Fest showcases the work of local artists, while the Bluesberry Festival celebrates the harmonious fusion of blues music and delectable blueberry-based treats. These lively gatherings highlight the city's commitment to fostering a vibrant arts and cultural community.

For nature enthusiasts, Norcross offers a myriad of outdoor recreational opportunities. Discover the serenity of Lillian Webb Park, a tranquil oasis set alongside the historic Norcross train depot. Take a leisurely stroll along its paved pathways, admire the vibrant flora, and savor a picnic under the shade of a mature oak tree.

Nearby, the Jones Bridge Park provides access to the tranquil waters of the Chattahoochee River, where kayaking, fishing, and picnicking opportunities abound. For a more immersive experience, embark on a scenic hike along the Chattahoochee River National Recreation Area's trails, offering breathtaking views of the river and its surrounding woodlands.

Did you know that Norcross has its own little taste of Italy? Explore the charming district of The Forum on Peachtree Parkway, where you'll find an array of boutiques, specialty shops, and eateries housed in Tuscan-inspired buildings. Take a culinary journey through the many restaurants, savoring the flavors of Italian gelato, pizza, and pasta.

Norcross' welcoming community and exceptional quality of life make it an ideal place to call home. The city boasts a diverse and inclusive environment, with top-rated schools, safe neighborhoods, and a strong sense of community. Its prime location, just 20 miles from downtown Atlanta, offers the best of both worlds - the peace and tranquility of suburban living combined with easy access to the amenities of a major metropolitan area.

For those seeking the freedom of the open road, Norcross provides convenient options for RV enthusiasts, mobile homeowners, and those looking for modular or manufactured homes. Local RV parks and communities cater to these lifestyles, offering a range of amenities and recreational facilities to ensure a comfortable experience.

Norcross has had its fair share of notable residents and events over the years. The talented jazz musician and composer, Johnny Mercer, who penned timeless classics like "Moon River" and "Summer Wind," once called Norcross home. The city also hosted a significant event in civil rights history - the 1949 Moore's Ford Lynching Trial, which shed light on racial injustice and played a pivotal role in the journey towards equality.

Welcome to Norcross, Georgia - a city where history, community, and natural beauty intertwine to create an enchanting experience. Immerse yourself in the rich tapestry of its past, savor the warmth of its present, and open your heart to the possibilities that await in this captivating destination. So step into Norcross, Georgia, and be embraced by the charm, legacy, and vibrant spirit that define this remarkable city.

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 Norcross, GA

Weather & Environmental Risks:

  • Description: Norcross, Georgia, can experience ice storms and freezing rain during winter months, which can lead to hazardous road conditions and power outages due to ice accumulation.
  • Data:
    • Norcross typically experiences an average of 0-1 significant ice storms per year.
    • Freezing rain events are more likely to occur between December and February.

Tips for mobile homeowners and RV owners during ice storms and freezing rain:

  • Park your mobile home or RV in a location away from trees or overhanging branches that could potentially break and cause damage.
  • Have a backup power source, such as a generator, to provide electricity in case of a power outage.
  • Keep an emergency kit handy with essential supplies like blankets, nonperishable food, and a first aid kit.
  • Stay informed about weather advisories and road conditions, and avoid unnecessary travel during ice storms or freezing rain.
  • Description: Norcross, Georgia, experiences hot and humid summers, which can lead to heat-related illnesses, as well as occasional air quality alerts due to pollution and environmental factors.
  • Data:
    • Average summer temperatures in Norcross range from the mid to high 90s Fahrenheit.
    • Air quality alerts are more common during the summer months and can vary based on local environmental factors.

Tips for mobile homeowners and RV owners during heat and air quality alerts:

  • Ensure your mobile home or RV’s air conditioning system is functional and capable of effectively cooling the space.
  • Stay hydrated by drinking plenty of water, and limit outdoor activities during the hottest parts of the day.
  • Keep windows and doors closed during air quality alerts to reduce exposure to pollutants.
  • Consider using air purifiers or ventilation systems designed to filter and improve indoor air quality within your mobile home or RV.
  • Description: Norcross, Georgia, is susceptible to severe thunderstorms, including the potential for hail, which can cause property damage, vehicle damage, and power outages.
  • Data:
    • Norcross experiences an average of 50-55 thunderstorm days per year, mainly during the spring and summer months.
    • Hailstorms are more common between March and May.

Tips for mobile homeowners and RV owners during severe thunderstorms and hail:

  • Secure any loose outdoor objects or furniture that could be damaged by strong winds.
  • Consider investing in hail-resistant roofing materials for your mobile home or RV to minimize damage.
  • Stay informed about local weather forecasts and have a plan in place to seek shelter in a sturdy building during severe thunderstorms with hail.
  • If you’re driving an RV, find a safe place to park and protect the vehicle from potential hail damage during storms.

Remember to stay informed about local weather conditions, heed advice from authorities, and take necessary precautions to protect yourself and your property during weather hazards in Norcross.

Recommended Attractions in/around Norcross:

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 a riverside park with access to the Chattahoochee River, perfect for fishing, boating, and picnicking.
    • Features walking trails, a playground, and beautiful natural scenery.
  • Tip:
    • Bring your fishing gear and try catching some bass or trout in the calm waters of the Chattahoochee River.
  • Descriptor:
    • Visit this iconic park with a variety of outdoor activities, including hiking, fishing, camping, and more.
    • Offers breathtaking views, a scenic lake, and various attractions such as the Skyride and Laser Show.
  • Tip:
    • Consider purchasing an annual parking pass if you plan to visit the park multiple times throughout the year.
  • Descriptor:
    • Explore this 46-acre nature preserve with walking trails, historic buildings, and abundant wildlife.
    • Features educational exhibits, a visitor center, and special events throughout the year.
  • Tip:
    • Check the preserve’s calendar for guided tours and nature programs to learn more about the area’s natural and cultural heritage.
  • Descriptor:
    • Step back in time at this meticulously restored 1930s farm with walking trails, picnic spots, and historical exhibits.
    • Offers a glimpse into rural, early 20th-century farming life.
  • Tip:
    • Bring a picnic basket and enjoy a leisurely lunch at one of the shaded picnic areas on the farm.
  • Descriptor:
    • Visit this wildlife sanctuary housing over 600 animals, including native and exotic species.
    • Offers animal encounters, petting areas, and educational presentations.
  • Tip:
    • Purchase a bag of animal feed and enjoy the opportunity to hand-feed some of the friendly creatures in the park.
  • Descriptor:
    • Experience the beauty of the Chattahoochee River with opportunities for hiking, boating, and fishing.
    • Features multiple access points, scenic trails, and serene river landscapes.
  • Tip:
    • Rent a kayak or canoe to explore the calm waters of the Chattahoochee River and discover hidden coves and wildlife.
  • Descriptor:
    • Stay at a conveniently located RV park with full hook-ups and amenities for a comfortable outdoor experience.
    • Offers spacious RV sites, laundry facilities, and easy access to nearby attractions.
  • Tip:
    • Make a reservation in advance, especially during peak seasons, to secure your preferred RV site.
  • Descriptor:
    • Embark on outdoor adventures in this scenic mountain park known for its beautiful waterfalls and hiking trails.
    • Offers camping options, a lodge, and stunning views from the Amicalola Falls.
  • Tip:
    • Hike the Amicalola Falls Trail early in the morning to experience the falls in a peaceful and less crowded setting.
  • Descriptor:
    • Discover interactive exhibits, trails, and educational programs at this center focused on environmental conservation and local history.
    • Features hands-on learning experiences and engaging exhibits for visitors of all ages.
  • Tip:
    • Check the center’s calendar for workshops and events related to sustainable living and environmental awareness.
  • Descriptor:
    • Visit this resort located on the shores of Lake Lanier, offering various outdoor activities, including boating, fishing, and camping.
    • Features marinas, sandy beaches, water parks, and scenic golf courses.
  • Tip:
    • Rent a pontoon boat and explore the vast expanse of Lake Lanier while taking in the breathtaking surrounding views.

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:

  • Norcross has a higher crime rate than the national average across all communities in America, but 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 Norcross is 1 in 33.
  • Norcross has a crime rate that is higher than 84% of the state’s cities and towns of all sizes in Georgia.
  • When compared to communities of similar population size, Norcross’ crime rate (violent and property crimes combined) is higher than average.
  • Norcross has a higher rate of violent crime than most communities of all population sizes in America.
  • Violent offenses tracked include armed robbery, aggravated assault, rape, or murder.
  • The chance of becoming a victim of a violent crime in Norcross is 1 in 205, with a rate of 5 per one thousand inhabitants.
  • Norcross has 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 for this analysis include motor vehicle theft, arson, larceny, and burglary.
  • The chance of becoming a victim of any of these crimes in Norcross is 1 in 39, with a rate of 25 per one thousand population.
  • Violent crime rate: 1 in 205 residents
  • Property crime rate: 1 in 39 residents
  • Install security systems: Protect your mobile home or RV from break-ins and theft by installing strong locks and security systems.
  • Stay alert: Remain vigilant and report suspicious activity to the authorities immediately. Keep an eye out for any unusual behavior around your mobile home or RV.

Additional Tips:

SAFETY

Follow the community or park rules and regulations.
Obtain renter's insurance to protect your personal belongings.
Secure your rental mobile home or RV when not in use.

CONSTRUCTION

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 .

MAINTENANCE

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.

LIABILITY INSURANCE

Consider purchasing additional liability insurance to protect against accidents on your property.
Check if your insurance provider offers "umbrella insurance."
Ask your provider for discounts, and bundle policies to save on premiums.

DOCUMENTATION

Make a visual and written inventory of valuable items in your home or RV.
Have photographs or videos of your belongings saved as backup files.
Keep important documents and receipts in a secure and organized place.

ROUTE PLAN

Plan your route in advance and account for any height or weight restrictions. Take breaks regularly when driving long distances to avoid fatigue. Research and book RV parks or campgrounds in advance, especially during peak seasons.

Did You Know?

In Norcross, 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 Norcross, GA.

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

Pine Haven

Dealer located at 848 Sandtown Road, Marietta, GA 30008.
Currently has 2 homes for sale. Offers tours upon request. Contact information available on the website.
Homes listed with various features and floor plans.

Ansley Park of Woodstock

All ages community located at 200 Dupree Road, Woodstock, GA 30188. Pet-friendly with restrictions.
Offers off-street parking. Average street width and paved street type.
Number of sites: 130.
Provides on-site sales offices with staff available.
Close proximity to water.

Pine Ridge Mobile Home Community

All ages community located at 6465 Highway 9 North, Alpharetta, GA 30004.
Has vacant sites available. Average monthly rent: $395. Pet-friendly with weight restrictions. Offers off-street parking and recreational facilities.
Average street width and paved street type.
Year built: 1970.
Number of sites: 195. Provides a playground and a variety of home options. Distance to water: 8.1 miles.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Norcross, 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 Norcross, GA.

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

  1. Vehicle Theft Coverage: Norcross, GA may have instances of vehicle theft. Consider adding coverage for stolen vehicles or vehicle parts to protect your vehicles stored within your mobile home, manufactured home, or RV.
  2. Home Invasion Coverage: Norcross may have specific property crime rates, including home invasions. Ensure your insurance policy includes coverage for theft, damage, or other losses resulting from a home invasion to protect your personal belongings within your mobile or manufactured home.
  1. Tropical Storm or Hurricane Coverage: Norcross, GA is located in a region that may be prone to tropical storms or hurricanes. Make sure your insurance policy includes coverage for property damage caused specifically by these weather events, including wind, rain, and flooding.
  2. Hail and Wind Damage Coverage: Norcross can experience severe weather with hailstorms and strong winds. Consider adding coverage for hail and wind damage to your mobile or manufactured home or RV.
  1. Sewer Backup Coverage: Norcross, GA may experience sewer system issues during heavy rainfall. To protect against potential property damage caused by sewer backups, consider adding coverage specifically for sewer backup incidents to your insurance policy.
  2. Trip and Tip-over Coverage: Mobile and manufactured homes may be susceptible to tipping or tripping incidents. Consider adding coverage for accidental tipping or tripping of your mobile or manufactured home to protect against potential property damage.
  1. Emergency Roadside Assistance Coverage: As an RV owner in Norcross, GA, consider adding emergency roadside assistance coverage to your insurance policy. This coverage can assist with towing, battery jump-starts, flat tire changes, and other emergency situations while traveling.
  2. Storage Unit Coverage: If you store your RV in a storage facility in Norcross, consider adding specific coverage for RVs stored in a storage unit to protect against potential damage or theft that may occur while it is not in use.

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 Norcross, GA.

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

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