Any questions?
(877) 417-8733

Manage Payments
Get covered

Protect Your Manufactured Home in Mobile, AL

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 Mobile, AL: Costs, Coverage, and Considerations

Welcome to Mobile, Alabama - a city where the gentle lull of the Gulf waters intermingles with the vibrant pulse of history, culture, and the warmth of Southern hospitality. Nestled along the shimmering Mobile Bay, this historic port city beckons with its rich tapestry of stories, traditions, and natural beauty, inviting you to discover its unique charm.

As you meander through the streets of Mobile, let the rhythm of this historic Southern belle guide you. Founded in the early 18th century, Mobile stands as a testament to cultural fusion, its narrative woven with threads from French, Spanish, British, African, and Creole influences. This rich heritage comes to life in the city's architecture, from the antebellum homes of the Oakleigh Historic District to the ornate facades of the Dauphin Street Historic District.

Mobile's claim to Mardi Gras fame is a colorful thread in the city’s cultural fabric. Celebrated as the birthplace of America’s original Mardi Gras, Mobile bursts into a kaleidoscope of colors and festivities each year, rivaling its more famous counterpart in New Orleans. The vibrant parades, intricate masks, and lively music fill the streets with an energy that is both exhilarating and deeply rooted in local tradition.

Beyond its historic and cultural splendors, Mobile is embraced by the bounty of nature. The Mobile-Tensaw Delta, a mesmerizing labyrinth of rivers, bayous, and wetlands, offers a sanctuary for wildlife and nature enthusiasts. Explore the Five Rivers Delta Resource Center, where the confluence of the Mobile, Spanish, Tensaw, Apalachee, and Blakeley rivers creates a rich ecosystem teeming with life.

The city's culinary scene mirrors its diverse heritage. In Mobile, your palate can embark on a journey through a variety of flavors, from fresh Gulf seafood to hearty Southern comfort food. The city’s restaurants, ranging from high-end eateries to charming local cafes, serve up dishes that are as rich in history as they are in taste.

But Mobile's true essence lies in its community spirit. The city's calendar is replete with festivals, art shows, and live performances, each event a celebration of the city’s communal ties and artistic flair. The SouthSounds Music and Arts Festival, for instance, showcases the best of Southern music, art, and food, reflecting the creative pulse of the region.

In the heart of Mobile, educational institutions like the University of South Alabama foster a spirit of learning and innovation, contributing to the city's dynamic atmosphere. Meanwhile, the USS Alabama Battleship Memorial Park stands as a tribute to the nation's military history, offering a glimpse into the valor and sacrifices of those who served.

Immerse yourself in the enchanting melody of Mobile, where every street corner hums with stories, every wave whispers tales of yore, and every breeze carries the warmth of a city that welcomes all with open arms. In Mobile, Alabama, experience a blend of historical grandeur, cultural richness, and the unmistakable charm of Southern living. Welcome to this coastal jewel, where the past and present dance in a timeless embrace under the Southern sky.

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 Mobile, AL

Weather & Environmental Risks:

Description:

  • Tornado Index: 208.06, suggesting a significant risk compared to the national average.
  • Historical Data: Shows a considerable frequency of tornado events.

Implications for Mobile/Manufactured Home and RV Owners:

  • Vulnerability: These homes are particularly vulnerable to damage or destruction due to their lighter construction and anchoring systems.
  • Safety Planning: Owners should have a tornado safety plan, including identifying a nearby sturdy shelter.
  • Awareness and Alerts: Regular monitoring of weather updates and immediate response to tornado warnings is crucial.

Description:

  • High Flood Occurrence: 251 recorded flood events.
  • Rising Sea Levels: Increased risk due to global warming and geographical location.

Implications for Mobile/Manufactured Home and RV Owners:

  • Property Damage: High potential for water damage; elevating homes and securing belongings are vital.
  • Insurance: Considering flood insurance, given the high probability of flooding.
  • Evacuation Readiness: Preparing for potential evacuation during high flood alerts.

Description:

  • Frequency: 855 thunderstorm wind events recorded.
  • Hazards: Potential for high winds, lightning, and hail.

Implications for Mobile/Manufactured Home and RV Owners:

  • Structural Risk: Increased risk of damage from strong winds and flying debris.
  • Preventive Measures: Securing outdoor objects and reinforcing home structures.
  • Emergency Kits: Maintaining an emergency kit for power outages or minor injuries.

Residents of Mobile, AL, particularly those in mobile/manufactured homes and RVs, should be acutely aware of these weather risks. Proper preparedness includes having a robust emergency plan, staying informed through local weather services, and taking proactive measures to mitigate potential damages. These steps are essential for safety and minimizing the impact of severe weather conditions.

Recommended Attractions in/around Mobile:

  • Address: 111 S Royal St, Mobile, AL 36602
  • Highlights: Explore Mobile’s rich history with exhibits on Native American artifacts, Civil War history, and more.
  • Cost: Affordable entry fees, with discounts for children and seniors.
  • Address: 2703 Battleship Pkwy, Mobile, AL 36602
  • Highlights: Tour the historic USS Alabama battleship and submarine USS Drum.
  • Cost: Reasonable admission price, free parking for RVs.
  • Address: 5151 Museum Dr, Mobile, AL 36608
  • Highlights: Beautiful gardens featuring roses, camellias, and Japanese maples. Perfect for a leisurely stroll.
  • Cost: Low entrance fee, free for kids under a certain age.
  • Accessible via: Dauphin Island Ferry
  • Highlights: Quiet beaches, nature trails, Fort Gaines, and the Estuarium.
  • Cost: Affordable ferry ride, free activities on the island.
  • Address: 155 Water St, Mobile, AL 36602
  • Highlights: Interactive exhibits on maritime history, ideal for all ages.
  • Cost: Modest entry fee with family packages available.
  • Address: 155 Water St, Mobile, AL 36602
  • Highlights: Interactive exhibits on maritime history, ideal for all ages.
  • Cost: Modest entry fee with family packages available.
  • Address: 355 Government St, Mobile, AL 36602
  • Highlights: Learn about the history of Mardi Gras with colorful exhibits and costumes.
  • Cost: Budget-friendly admission, with reduced rates for children and seniors.
  • Address: 1906 SpringHill Ave, Mobile, AL 36607
  • Highlights: Tour a historic antebellum mansion with beautiful period furniture.
  • Cost: Low-cost guided tours.
  • Address: 4901 Zeigler Blvd, Mobile, AL 36608
  • Highlights: Large park with playgrounds, picnic areas, and a pond. Great for family outings.
  • Cost: Free entry, ideal for a budget-friendly day out.
  • Address: 300 Oakleigh Pl, Mobile, AL 36604
  • Highlights: A historic mansion offering insights into the local history and culture.
  • Cost: Affordable tour prices with discounts for seniors and children.
  • Address: 1664 SpringHill Ave, Mobile, AL 36604
  • Highlights: Exhibits on medical history, suitable for those interested in science and healthcare.
  • Cost: Low admission fee, educational for all ages.
  • Address: 1664 SpringHill Ave, Mobile, AL 36604
  • Highlights: Exhibits on medical history, suitable for those interested in science and healthcare.
  • Cost: Low admission fee, educational for all ages.

Additional Tips:

  • RV Parking: Many attractions have free or affordable RV parking options.
  • Accessibility: Most places are wheelchair accessible, catering to seniors with mobility issues.
  • Seasonal Events: Keep an eye on local listings for seasonal events and festivals, which often have free or low-cost entry.

These attractions in Mobile offer a mix of educational, historical, and natural experiences that are both enjoyable and affordable for visitors of all ages, including those living in mobile homes or traveling in RVs.

Property Crimes

Violent Crime

  • Rate: One of the highest violent crime rates nationally.
  • Types of Crime: Includes rape, murder, armed robbery, aggravated assault.
  • Risk of Victimhood: 1 in 97 chance of being a victim.
  • Murder Rate: Particularly high compared to other cities.

Property Crime

  • Prevalence: Forms a significant portion of overall crime.
  • Types of Crime: Encompasses burglary, larceny, motor vehicle theft, and arson.
  • Risk of Victimhood: 1 in 34 chance of experiencing property crime.
  • Motor Vehicle Theft: Exceptionally high rate with a 1 in 363 chance of vehicle theft.

Additional Tips:

  • Overall Crime Rate: 40 crimes per one thousand residents, placing it among the highest in America.
  • Comparison with Alabama: Higher crime rate than over 100% of Alabama communities.
  • National Perspective: Ranked within the top 100 most dangerous U.S. cities.

Safety Tips for Mobile/Manufactured Home and RV Owners

  • Install quality locks on doors and windows.
  • Consider adding security bars or sensor alarms.
  • Ensure adequate exterior lighting.
  • Use motion-sensor lights to deter potential intruders.
  • Participate in or initiate a neighborhood watch program.
  • Stay connected with neighbors for shared vigilance.
  • 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.
  • Keep valuables out of sight and securely stored.
  • Consider a safe for important documents and items.
  • Regularly check and maintain all security equipment.
  • Be aware of your surroundings and report any suspicious activities.

By taking these proactive steps, mobile/manufactured home and RV owners in Mobile, AL, can significantly enhance their safety and reduce the risk of becoming a crime victim.

Additional Tips:

Tornado Safety Tips for Mobile Homes

1) How to secure your mobile home against tornadoes.

2) Steps to create an emergency plan.

3) Importance of tornado insurance coverage.

Understanding RV Insurance in Alabama

1) Types of RV insurance: liability, comprehensive, collision.

2) Alabama-specific requirements and recommendations.

3) Tips for choosing the right policy.

Flood Preparedness for Manufactured Homes

1) Preparing your home for potential floods.

2) Essential flood insurance information.

3) Flood-proofing techniques and materials.

Alabama's Specific Coverage for Mobile Homes

1) Coverage options unique to Alabama.

2) Understanding state regulations and standards.

3) Tailoring your policy to Alabama’s climate and risks.

RV Road Safety in Alabama

1) Safe driving tips for different Alabama terrains.

2) Navigating Alabama weather conditions.

3) Essential emergency supplies for Alabama roads.

Seasonal Maintenance Tips for Mobile Homes

1) Season-wise maintenance checklist.

2) Protecting your home from seasonal weather changes.

3) Importance of regular inspections and repairs.

Did You Know?

In Mobile, 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 Mobile, AL.

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

Pleasanton Hills Mobile Home Park, L.L.C

Location: 7601 Airport Boulevard, Mobile, AL 36695
Type: All Ages Community
Amenities: Clubhouse, pool, basketball and tennis courts, playground
Pet Policy: Pets allowed with restrictionsRent: $280/month
Features: Off-Street Parking, recreational facilities, wide paved streets
Homes: Variety including multisection, peaked roofs, lap siding
Contact: Franklin Management Company

Pleasanton Hills (Second Location)

Location: 218 Green Park Dr, Mobile, AL 36695
Type: All Ages Community
Amenities: Clubhouse, pool, whirlpool, sports courts, billiard room
Pet Policy: Pets allowed with restrictions
Rent: $280/month
Features: Playground, RV sites, wide paved streets
Homes: Variety including multisection, peaked roofs, lap siding
Contact: Franklin Management Company

Clayton Homes - Mobile

Location: 7101 Moffet Rd, Mobile, AL 36618
Overview: Leading home builder specializing in site-built and off-site built homes, including manufactured, modular, and CrossMod™ homes. History: Founded in 1956, expanded to over 350 home centers.
Philosophy: Emphasis on quality, attainability, innovation, and community support.
Features: Durable, energy-efficient homes built to federal and state standards.
Sustainability: Focus on conservation and smart home features.

Each of these options in Mobile, AL, offers unique features and amenities, catering to a wide range of housing needs and preferences. For more information or to schedule a visit, contacting the respective management or sales offices is recommended.

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

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

Reasoning: Mobile, AL, is susceptible to hurricanes and strong winds. This endorsement provides added protection specifically against windstorm damages for mobile and manufactured homes.

Reasoning: Mobile is located near Mobile Bay, which increases the risk of flooding. Flood insurance is crucial for safeguarding 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 Mobile, 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: In hurricane-prone regions like Mobile, having a plan for evacuating your RV during a storm is essential. This coverage can help cover evacuation-related costs.

Reasoning: Mobile hosts Mardi Gras parades. If you plan to participate in or host events like these, this endorsement provides 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 Mobile, AL, considering hurricane windstorms, flooding, liability in mobile home parks, coastal sites, hurricane evacuation, and Mardi Gras parades. Collaborating with an insurance professional familiar with the region will help you create a customized coverage plan that meets your needs effectively in Mobile, AL.

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

References:

References: 

Understand

Choose

Facts

Communities

CoverTree Favicon

(877) 417-8733

team@covertree.com

Facebook Twitter Instagram Linkedin
Click here

Services

Company

Click here
Michigan Chamber of Commerce Logo
BBB - Accredited Business
Green Business Bureau Logo
Manufactured Housing Institute Member logo

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. 

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

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.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

Copyright © 2022 CoverTree Inc. All rights reserved

CoverTree Brand Logo

Any questions?
+1 (877) 417-8733

Enter your address for an instant quote.

Street Address

Based on your state, we can help you better on the phone

Call us at (877) 417-8733 or submit your information below

We don’t sell your data. By submitting your information, you are confirming that you have read our Privacy Policy and TCPA Disclosure .

A CoverTree team member will be in touch within an hour

We couldn’t locate your address...

Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.

If we still can’t find it, please give us a call at (877) 417-8733 or email us at team@covertree.com.</