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

Welcome to Savannah, Georgia – a city renowned for its historic charm, picturesque landscapes, and vibrant Southern culture. Known as the “Hostess City of the South,” Savannah offers a unique blend of history, art, cuisine, and natural beauty, making it a must-visit destination for travelers from around the world.

With a population of approximately 145,000 people, Savannah is the oldest city in the state of Georgia and serves as the county seat of Chatham County1. Steeped in history, this coastal city played a significant role in the American Revolution and the Civil War and is known for its well-preserved historic district. Savannah’s Historic District is one of the largest in the United States and is filled with cobblestone streets, 18th-century architecture, beautiful squares adorned with moss-draped oak trees, and historic sites that tell the story of its vibrant past.

Engulfed in the Southern charm of Savannah, it’s no surprise that the city has been an inspiration for artists and writers throughout history. The creative spirit is alive in the city’s numerous art galleries, which showcase both local and international talent. In addition, Savannah’s vibrant theater scene offers a range of performances, from Broadway productions to intimate local shows.

Savannah’s culinary scene is a true delight for food enthusiasts. The city is famous for its Lowcountry cuisine, which blends influences from West Africa, the Caribbean, Europe, and Native American traditions. Visitors can enjoy classic Southern dishes like shrimp and grits, gumbo, and fresh seafood caught in nearby coastal waters. From award-winning restaurants to beloved hole-in-the-wall eateries, Savannah offers a wide array of dining experiences that are sure to satisfy any palate.

For nature lovers, Savannah offers breathtaking scenery and outdoor activities. The city is located on the Savannah River, providing opportunities for boating, fishing, and riverfront walks. Nearby Tybee Island is a popular destination for sun-soaked beaches, water sports, and dolphin-watching cruises. Savannah’s numerous parks, such as Forsyth Park and Hutchinson Island, offer stunning green spaces where visitors can relax, picnic, or partake in recreational activities. Savannah also boasts beautiful botanical gardens, including the famous Savannah Botanical Gardens and the Coastal Georgia Botanical Gardens.

Savannah has a bustling cultural scene, with numerous festivals and events throughout the year. One of the city’s most iconic events is the Savannah Music Festival, which celebrates a diverse range of music genres, including jazz, classical, bluegrass, and world music. The Savannah Film Festival, hosted by the Savannah College of Art and Design, brings together industry professionals and film enthusiasts for a week of screenings, panels, and special events.

In addition to its cultural and natural attractions, Savannah is also home to several prestigious educational institutions. The Savannah College of Art and Design (SCAD) is internationally renowned for its programs in art, design, and film. Students from around the world come to SCAD to pursue their creative passions and contribute to the city’s thriving artistic community.

Savannah’s warm climate and rich history have made it an increasingly popular place to live. The city offers a range of housing options, from historic homes in the downtown area to modern neighborhoods in the surrounding suburbs. Its affordable cost of living, sense of community, and access to amenities make Savannah an attractive destination for residents of all ages.

From strolling through the historic squares to savoring Southern delicacies, exploring the vibrant arts scene to enjoying outdoor adventures, Savannah captivates visitors with its beauty, hospitality, and Southern hospitality. Experience the magic of the Hostess City and create unforgettable memories in this captivating gem of the South.

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
Savannah, GA

Weather & Environmental Risks:

Savannah, GA, is located along the Atlantic coast and is at risk for hurricanes and tropical storms during the Atlantic hurricane season, which runs from June 1 to November 30. These weather events can bring strong winds, heavy rain, storm surges, and the potential for flooding, resulting in property damage and safety concerns.
- Savannah has experienced hurricanes or tropical storms in the past that have caused significant damage.
- The peak of hurricane activity in the area is typically from August to October.
Tips for Mobile Homeowners and RV Owners:
- Stay informed about hurricane forecasts and evacuation orders issued by local authorities.
- Have a hurricane preparedness plan in place and know the nearest evacuation routes and shelters.
- Secure your mobile home or RV to the ground and reinforce doors and windows to minimize damage from high winds.
- Consider purchasing hurricane straps or tie-downs to help anchor your mobile home or RV during a storm.
- If a hurricane is approaching and evacuation is recommended, consider relocating your mobile home or RV to a safer location outside the danger zone.

Savannah experiences hot and humid summers, and heatwaves can pose health risks, especially for sensitive populations. Heatwaves can lead to heat-related illnesses like heat exhaustion and heatstroke, making it important to take precautions to stay cool and hydrated.
- Average high temperatures during summer range from the mid-80s to low 90s Fahrenheit.
- Heat index values can exceed 100 degrees Fahrenheit during heatwaves, combining heat and humidity.
Tips for Mobile Homeowners and RV Owners:
- Ensure proper ventilation and working air conditioning in your mobile home or RV to maintain a comfortable indoor temperature during hot spells.
- Utilize shades, curtains, or window coverings to reduce heat gain from direct sunlight.
- Stay hydrated and avoid extended exposure to the sun during the hottest parts of the day.
- Seek shelter in air-conditioned public buildings, such as shopping malls or community centers, during extreme heat.
- Check on neighbors, especially the elderly or those without air conditioning, to ensure they are safe and comfortable during heatwaves.

Savannah can experience severe thunderstorms, which may bring heavy rainfall, lightning, and the potential for flash flooding, especially in low-lying areas. Flash flooding can quickly occur during intense rain events, posing risks to property and safety.
- Savannah experiences an average of 90 rainy days per year.
- Thunderstorms can occur throughout the year, with peak activity during the summer months.
Tips for Mobile Homeowners and RV Owners:
- Be aware of flood-prone areas and avoid camping or parking your mobile home or RV in low-lying areas that are susceptible to flash flooding.
- If a severe thunderstorm is approaching, secure outdoor furniture and equipment to minimize damage from strong winds.
- Consider installing a NOAA weather radio or using weather alert apps to receive timely warnings about severe weather in the area.
- If heavy rain and flooding are expected, consider relocating your mobile home or RV to higher ground or a designated flood-free area.
- Have emergency supplies ready, including drinking water, non-perishable food, flashlights, and a first aid kit, in case of power outages or other storm-related issues.

Please note that these tips are general advice, and it’s important to stay informed about specific weather forecasts and follow guidance from local authorities during severe weather events.

Crime Rates:

The crime rate in Savannah is higher than the national average across all communities in the U.S.
However, with 21 crimes per one thousand residents, Savannah is not among the communities with the very highest crime rate.
The chance of becoming a victim of violent or property crime in Savannah is 1 in 47.
Compared to other cities and towns in Georgia, Savannah has a higher crime rate than 72% of them.

When compared to communities of similar size, Savannah’s crime rate is near the average.
When controlling for population size, Savannah’s crime rate is about what you would expect based on statistics, not significantly more or less dangerous than similar-sized places.

Savannah has a higher rate of violent crimes compared to most communities in America.
Violent crimes include armed robbery, aggravated assault, rape, and murder.
The chance of becoming a victim of a violent crime in Savannah is 1 in 202.
The rate of violent crimes in Savannah is 5 per one thousand inhabitants.

Property crime is also a concern in Savannah.
Property crimes include motor vehicle theft, arson, larceny, and burglary.
Savannah has an above-average chance of experiencing property crimes compared to communities of all population sizes.
The chance of becoming a victim of a property crime in Savannah is 1 in 61.
The rate of property crimes in Savannah is 16 per one thousand population.

Secure your property: Install security systems, alarms, and strong locks to deter potential burglars.
Neighborhood watch: Participate in or create a neighborhood watch program to keep a lookout for suspicious activity.
Lighting: Ensure the area around your mobile home or RV is well-lit to discourage criminals.
Concealing valuables: Keep valuable possessions out of sight to minimize the risk of theft.
Communication with neighbors: Develop good relationships with your neighbors and work together to maintain a safe environment.
Insurance coverage: Make sure your mobile home, RV, or belongings are adequately insured against theft and damage. Review your coverage regularly to ensure it meets your needs.

Additional Tips:

THE LEASE AGREEMENT

Read and understand the terms of your lease agreement. Ask questions about items you do not understand or terms that you disagree with. Adhere to the lease agreements, and extend it if you need more time to live in it.

MAINTENANCE

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

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.

SECURITY

Install security features such as surveillance cameras and door alarms. Keep your property well-lit and secure. Coordinate with your community to form a watch program.

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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
Savannah, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Savannah'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
Savannah, GA.

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

Liability Coverage: This endorsement provides coverage against claims or lawsuits brought against mobile & manufactured homeowners or renters, and RV owners for bodily injury or property damage caused to others. It is important to have, in order to protect against unexpected and potentially costly accidents.

Personal Property Coverage: This endorsement provides additional coverage for personal belongings that may not be fully covered under a standard insurance policy, such as jewelry, fine art, or other high-value items.

Earthquake Damage: Savannah, GA is not prone to significant earthquake activity. However, homeowners or renters, and RV owners in earthquake-prone areas should consider purchasing separate earthquake insurance to protect against earthquake-related damage.

Wear and Tear: Insurance policies typically exclude coverage for damage caused by regular wear and tear, maintenance issues, or lack of upkeep. Mobile & manufactured homeowners or renters, and RV owners should properly maintain their property and vehicles to avoid potential claim denials.

Remember, it’s important to discuss your specific needs with an insurance professional or provider who can help you customize your coverage based on your location, property type, and potential risks.