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Protect Your Manufactured Home in Roswell, GA

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 Roswell, GA : Costs, Coverage, and Considerations

Welcome to Roswell, Georgia – a city that seamlessly blends rich history, captivating charm, and a thriving community. Nestled in the northern suburbs of Atlanta, Roswell offers a gateway to the past, with its well-preserved historic sites and an ambiance that transports visitors to a bygone era.

With a history dating back to the early 1800s, Roswell is renowned for its antebellum architecture and its significance during the Civil War. Immerse yourself in the city’s past by exploring the historic district, where stately homes and buildings tell stories of a time long gone. Roswell’s deep-rooted history is intertwined with the Roswell Mill, a cotton mill built in the mid-1800s, which played a vital role during the Civil War and provides insights into the area’s industrial heritage.

One of the city’s most iconic attractions is Bulloch Hall, the childhood home of Mittie Bulloch, mother of President Theodore Roosevelt. Step back into the 1800s as you explore this beautiful Greek Revival mansion filled with original furnishings and memorabilia. Gain a glimpse into the life of this influential family and discover the impact they had on American history.

For nature lovers, Roswell boasts an abundance of parks and outdoor spaces. Chattahoochee River National Recreation Area, located along the river that borders the city, offers endless opportunities for outdoor enthusiasts. Hike or bike along scenic trails, paddle down the river, or simply relax and enjoy a picnic amidst nature’s beauty. Don’t miss the serene beauty of Vickery Creek, known as the “Old Mill Park,” where the remnants of the Roswell Mill can be seen alongside tranquil waterfalls.

Uncover hidden gems at the Southern Trilogy Historic House Museums, encompassing three beautifully preserved homes – Barrington Hall, Bulloch Hall, and Smith Plantation. Dive into the personal histories of the families who resided there and gain a deeper understanding of Roswell’s past. From elegant architecture to lush gardens, these museums offer a captivating glimpse into the lives of the city’s early inhabitants.

An obscure fact about Roswell lies in its alleged connection to extraterrestrial activity. In 1947, rumors circulated that a UFO had crashed in Roswell, leading to theories and speculation about an alien encounter. While the official explanation relates to a weather balloon, the incident ignited Roswell’s curiosity and created a unique legacy that has become part of popular culture.

Roswell’s allure extends beyond its history and attractions, making it an ideal place to call home. The city boasts a robust economy, quality schools, and diverse neighborhoods that cater to a range of lifestyles. Enjoy a relaxed pace of life while still enjoying proximity to Atlanta’s vibrant urban offerings. Experience the warmth of a tight-knit community that values family-friendly events, farmer’s markets, and a flourishing arts scene.

For RV enthusiasts, Roswell serves as a starting point for unforgettable adventures. Numerous RV parks and campgrounds, such as the Riverside RV Park and Jones RV Park, provide comfortable accommodations for travelers exploring Georgia’s natural beauty. Embark on scenic drives, such as the Chattahoochee National Forest Road Trip, or explore the neighboring attractions, including the picturesque North Georgia Mountains and the stunning Lake Lanier.

Additionally, Roswell caters to the needs of mobile, manufactured, or modular homeowners. Discover communities that offer well-appointed amenities, from swimming pools to recreational facilities, where residents can enjoy an active and engaging lifestyle. Find your perfect home amidst the charm of Roswell, where you can forge lasting connections within a welcoming community.

In conclusion, Roswell invites you to step into the pages of history, to immerse yourself in the beauty of nature, and to experience the warmth of its community. With its historical significance, thriving attractions, and highlights for RV enthusiasts and mobile/manufactured/modular homeowners, Roswell offers a tapestry of experiences that will leave you captivated by the city’s timeless appeal and undeniable charm.

Understanding Mobile Home Insurance in Georgia

In Georgia, while homeowners insurance is not mandated by law, lenders typically require it for financed properties, including mobile and manufactured homes. A standard policy generally includes coverage for the dwelling itself, other structures on the property, personal property within the home, and liability protection.

Understanding Mobile Home Insurance in Georgia

Detached structures on your property, such as a carport or garage
Your personal belongings
Living expenses if your home is seriously damaged by a covered loss
Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).

Mobile and manufactured homes are not eligible for coverage under a standard homeowners insurance policy (H0-3) so you will need a special policy built specifically for mobile homes.

Treating manufactured homes as personal property until they meet specific criteria to be considered real property.
Excluding mobile homes from real property coverage in insurance policies unless they are permanently affixed to the property and meet other statutory requirements.
Requiring a Certificate of Permanent Location to be filed for the mobile home to be insured as part of the real estate.
Ensuring that the manufactured home and the land have common ownership and that the home is taxed in conjunction with the land.
Confirming the surrender of the Certificate of Title for the home when it is considered real property.

These guidelines must be strictly followed to provide policy coverage or delete the manufactured home exception in insurance documents.

Covers the structure, personal property, liability, medical expenses, detached structures, and replacement costs.
Policies may include transportation from the building site to the permanent site.
Excludes flood damage; separate flood insurance is required.

Discuss with an agent to ensure appropriate coverage for potential severe weather damage.
Consider additional coverage for valuable personal items.
Inquire about discounts for installing safety features.

Example of a Manufactured/Mobile Insurance Policy Structure:

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:

Assess Risks Specific to Georgia: Understand local weather patterns and natural disaster risks, such as tornadoes or hurricanes, to ensure your policy covers these events.
Check Windstorm Coverage: Ensure your policy includes windstorm insurance, particularly if you’re in a high-risk area along the Georgia coast.
Consider Flood Insurance: Given Georgia’s hurricane history, a separate flood insurance policy might be necessary, especially if your home is near water bodies or in flood-prone zones.
Review Liability Requirements: Georgia has specific liability coverage requirements for RVs; verify that your policy meets at least the minimum state requirements.
Opt for Comprehensive Coverage: For full protection, consider a comprehensive policy that covers both collision and non-collision-related incidents.
Understand Deductible Provisions: Familiarize yourself with how deductibles work, particularly for wind/hail, which may be different from your standard deductible.
Investigate Georgia FAIR Plan: If you’re having difficulty obtaining insurance due to high risks, explore the Georgia FAIR Plan as a possible alternative.
Inquire About Discounts: Ask insurers about discounts for safety features or for bundling your RV insurance with other policies.
Secure Personal Property: If your RV or mobile home contains valuable personal items, consider additional coverage for these assets.
Consult with Local Experts: Speak with insurance agents who are experienced with Georgia’s insurance landscape to get the best advice and coverage options tailored to your specific needs.

Choosing the Right Mobile Home Insurance for
Roswell, GA

Weather & Environmental Risks:

Description: Roswell is susceptible to severe thunderstorms that can produce high winds, heavy rain, lightning, and the potential for tornadoes. Tornadoes can cause significant damage to structures and pose a threat to mobile homes and RVs.
Data:
- Average annual thunderstorm days: 50 days
- Tornado risk level: Moderate to high
Tips for mobile homeowners and RV owners:
- Stay informed: Monitor local weather forecasts and listen for severe weather alerts or tornado warnings issued by local authorities.
- Have a tornado plan: Identify a safe location within your mobile home or RV where you can take shelter during a tornado. If possible, identify alternative shelters, such as nearby sturdy buildings or designated tornado shelters.
- Secure outdoor belongings: Tie down or store any loose objects that could become projectiles during high winds or a tornado.
- Consider tornado insurance: Review your insurance coverage to ensure you have adequate protection in case of tornado-related damages.

Description: Roswell experiences hot and humid summers with extended periods of high temperatures and elevated heat index values, increasing the risk of heat-related illnesses.
Data:
- Average July high temperature: 90°F (32°C)
- Average number of days above 90°F (32°C) per year: 73 days
Tips for mobile homeowners and RV owners:
- Provide shade: Park your mobile home or RV in shaded areas whenever possible to reduce heat buildup inside.
- Use reflective materials: Apply reflective window coverings or shades to minimize heat gain.
- Stay cool: Utilize fans, air conditioning, or portable cooling devices to maintain a comfortable temperature inside.
- Stay hydrated: Drink plenty of water and avoid excessive consumption of caffeine and alcohol, as they can contribute to dehydration.

Description: Roswell, being an urban area, is susceptible to urban flooding, especially during heavy rain events and flash floods that can overwhelm drainage systems.
Data:
- Average annual precipitation: 53 inches
- Flash flood risk level: Moderate
Tips for mobile homeowners and RV owners:
- Monitor weather alerts: Stay updated on weather forecasts and pay attention to flash flood watches and warnings issued by local authorities.
- Park in higher areas: Whenever possible, park your mobile home or RV on higher ground or in areas less prone to flooding.
- Have an evacuation plan: Be prepared to relocate to higher ground or safer areas if flash flooding becomes a threat.
- Store emergency supplies: Keep non-perishable food, drinking water, flashlights, first aid kits, and essential medications on hand in case of emergency.

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

Crime Rates:

The crime rate in Roswell is higher than the national average across all communities in America, with 18 crimes per one thousand residents.
The chance of becoming a victim of either violent or property crime in Roswell is 1 in 56.
Compared to other cities of similar population size in America, Roswell is actually safer than most.
However, relative to Georgia, Roswell has a crime rate that is higher than 66% of the state’s cities and towns of all sizes.

Roswell has a higher rate of violent crime compared to most communities of all population sizes in America.
Violent offenses tracked include armed robbery, aggravated assault, rape, and murder.
The chance of becoming a victim of a violent crime in Roswell is 1 in 294, with a rate of 3 per one thousand inhabitants.

Roswell’s rate for property crime is 15 per one thousand population.
This indicates an above-average chance of becoming a victim of a property crime compared to all other communities in America of all population sizes.
Property crimes tracked include motor vehicle theft, arson, larceny, and burglary.
The chance of becoming a victim of any property crime in Roswell is 1 in 69.

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

Additional Tips:

GEORGIA STATE PARKS

Visit Georgia's state parks, such as Amicalola Falls State Park or Stephen C. Foster State Park, for camping and recreational activities. Check for availability of RV camping spaces and make reservations ahead of time. Take advantage of hiking trails, fishing spots, and other outdoor amenities offered in Georgia state parks.

GEORGIA MOBILE HOME PARK REGULATIONS

Stay up to date with Georgia's mobile home park regulations and licensing requirements. Conduct research on mobile home parks and their amenities before selecting one. Read and understand the park's rules and regulations, including pet policies and quiet hours.

GEORGIA MODULAR HOME BUILDERS

Choose modular home builders in Georgia who are licensed and certified by the state. Research builder reviews and request references from previous customers in Georgia. Ensure the builder is familiar with the specific codes and regulations for modular homes in Georgia.

GEORGIA-SPECIFIC ENERGY EFFICIENCY

Opt for energy-efficient features suitable for Georgia's climate, such as proper insulation and efficient cooling systems. Consider installing a programmable thermostat to regulate energy usage in both manufactured and modular homes. Look for appliances with ENERGY STAR® certifications to reduce energy consumption.

GEORGIA TENANT RIGHTS

Educate yourself on tenant rights and protections under Georgia's landlord-tenant laws. Review your lease agreement carefully and understand your obligations as a renter in Georgia. Document and report any maintenance or repair issues in writing to your landlord.

GEORGIA MOBILE HOME COMMUNITY REGULATIONS

Familiarize yourself with the regulations governing mobile home communities in Georgia. Be aware of any restrictions on modifications and improvements you can make to your rented mobile home. Understand the process and requirements for terminating your lease agreement in Georgia.

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Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

Georgia Mobile Home Facts

11% of homes in Georgia are mobile or manufactured.
These homes are a cost-effective alternative to traditional homes.

Types of Mobile Homes:

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.

This report must be made on a specific form provided by the Commissioner and include the installation’s permit number, torque probe test results near each corner of the home, and the soil-bearing capacity measurements that were used to set up the home’s foundation supports.
This requirement applies to every installation, whether it’s for a new home or a relocation. Additionally, the Commissioner has the authority to request sales reports from retailers and brokers.
This rule has been updated and modified several times since its original adoption in 1974, with the most recent amendment being effective as of January 1, 2022.

In Georgia, any installer working on a manufactured or mobile home must buy a permit from the Commissioner before starting the job.

The permit fee is set by state law and the installer must provide necessary information to get this permit, which should be displayed in the home upon completion.
If manufacturer instructions are missing or unclear, the state’s installation guidelines must be followed, including the provision of a manual with every new home detailing the foundation, anchorage, site preparation, and utility connections.
The installer is also responsible for ensuring the home is placed on a properly prepared site with good drainage and free of debris.
Installers licensed in Georgia are exempt from additional electrical and plumbing licenses for tasks covered under their installer license.
The installer’s responsibilities, unless otherwise written in a contract, do not include skirting, masonry curtain walls, or stairs and landings; these are subject to local codes or separate agreements.
These rules apply only to homes as defined under Georgia law and have been revised over the years, with the current version effective since December 20, 2004.

Mobile Homes in GA – Did You Know?

The Office of Insurance and Safety Fire Commissioner:

Insurance for Manufactured Homes:

Governance of Manufactured Housing:

Manufactured Housing Standards:

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.

Licensing and Permit Requirements:

Consumer Protection:

Access to Licensed Professionals:

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.

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.

Six Steps to Fortification

Step 1: Apply – Begin by filling out a free online application, which is the first step toward making your home disaster-resistant.
Step 2: Schedule an Evaluation: After processing your application, you’ll be directed to certified evaluators. Choose one to assess your home according to the IBHS standards.
Step 3: Evaluation: The evaluator will conduct a thorough inspection and create a report, which will be used to determine any necessary improvements.
Step 4: Review the Report: You’ll receive a detailed report outlining the current state of your home and the steps needed to achieve the desired level of fortification.
Step 5: Implement Improvements: Based on the report, you’ll upgrade your home to meet specific standards. Once completed, an evaluator will verify the improvements.
Step 6: Obtain Designation: Upon confirmation of the upgrades, you’ll receive a Fortified Designation, qualifying you for potential discounts with the GUA.

The FAIR Plan and the GUA offer Georgians a pathway to insuring homes that the private market may deem too risky. By understanding and utilizing these resources, homeowners can protect their properties and potentially reduce their insurance costs through proven mitigation efforts.

Know Your Rights:

Finding the Best Mobile Home Insurance in
Roswell, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Roswell's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

Finding the Best Mobile Home Insurance in
Roswell, GA.

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

Location-Specific Considerations:

Proximity to Water Bodies or Flood Zones: If your property is located near water bodies or in a designated flood zone, it may be important to evaluate the risks associated with potential flooding and consider obtaining flood insurance coverage.

Property Crime Considerations:

Neighborhood Watch Programs: Participating in or establishing a neighborhood watch program can help deter property crimes and may have a positive impact on insurance rates.

Weather-Specific Insurance Needs:

Severe Thunderstorm Coverage: Georgia experiences severe thunderstorms. Consider specific coverage for damage caused by lightning, high winds, or hail associated with these storms.

Flood Insurance Coverage: If your property is located in a flood-prone area, consider obtaining flood insurance to protect against losses resulting from flooding events.

Endorsements, Additions, and Exclusions for Mobile & Manufactured Home Owners:

Earthquake Coverage: Though earthquakes are rare in Georgia, if you want coverage for earthquake damage to your mobile or manufactured home, consider adding this endorsement to your policy.

Outdoor Structures Coverage: Consider adding this endorsement to cover structures such as sheds, garages, or carports that are not attached to your mobile or manufactured home.

Endorsements, Additions, and Exclusions for RV Owners:

Full-Timer Coverage: If you use your RV as a full-time residence, consider adding full-timer coverage to protect your belongings and provide additional liability coverage similar to a homeowners policy.

Roadside Assistance Coverage: Consider adding this endorsement to your RV insurance policy, providing coverage for towing, jump-starts, lockout assistance, and other emergency roadside services.

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