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Protect Your Manufactured Home in St. Simons, 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 St. Simons, GA : Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in St. Simons, GA : Costs, Coverage, and Considerations

Welcome to St. Simons Island, Georgia – where the soothing melody of crashing waves serenades a community steeped in Southern charm and natural splendor. Situated on the picturesque coast of Georgia, St. Simons Island beckons with its rich history, diverse attractions, and a relaxed island lifestyle. Join us as we embark on a journey through time, explore the island’s notable landmarks, and uncover why this coastal gem is an idyllic place to call home.

St. Simons Island boasts a history that stretches back centuries, leaving a lasting imprint on its culture and character. The island’s story begins with the indigenous Guale tribe, who inhabited the area long before European exploration. In the 18th century, St. Simons Island became a strategic hub for the colonial powers of Spain, England, and France, each leaving their mark on the island’s architecture and heritage.

One cannot overlook the significance of the historic Christ Church on the island. Founded in 1736, this parish has stood the test of time and witnessed the ebb and flow of St. Simons’ evolution. Its beautiful architecture and serene setting make it an essential stop for those seeking to connect with the island’s storied past.

Venture beyond the hallowed halls of history, and you’ll discover an island brimming with natural beauty and captivating attractions. Take a leisurely stroll along the Pier Village, where the heritage of the island seamlessly merges with modern delights. Peruse the boutique shops, indulge in coastal cuisine, and savor the sunsets as you relax on the expansive pier, offering panoramic views of the Atlantic Ocean.

No trip to St. Simons is complete without exploring the iconic St. Simons Lighthouse and Museum. Journey up the spiral staircase to the top of the lighthouse for breathtaking vistas of the island. Delve into the museum’s exhibits to unravel the island’s maritime past and learn about the fascinating stories of its keepers.

History melds seamlessly with nature on St. Simons Island, beckoning explorers to its natural wonders. Discover the ethereal beauty of the maritime forest at the Bloody Marsh Battle Site, where a pivotal battle in the architectural gem, The Lodge at Sea Island, where understated elegance meets unparalleled luxury. St. Simons Island offers a range of housing options to cater to different needs, including magnificent beachfront properties and charming coastal cottages.

For RV enthusiasts seeking to experience the island’s treasures, the Epworth By The Sea Retreat and Campground provides a scenic and peaceful camping experience. Nestled under the canopy of majestic oaks and offering modern amenities, this campground is ideal for those wanting to immerse themselves in the island’s natural beauty.

Mobile, manufactured, and modular homeowners will find St. Simons Island a haven of tranquility and coastal lifestyle. Explore communities such as Sea Palms, where meticulously designed homes blend seamlessly with the island’s landscape and offer waterfront access, golf courses, and an array of amenities that enhance the living experience.

While the allure of St. Simons Island is undoubtedly captivating, its appeal as a place to live runs deeper. A tight-knit community, exceptional schools, and access to quality healthcare make St. Simons an ideal destination for families and individuals seeking a harmonious and vibrant coastal lifestyle.

As you traverse the cobblestone paths, bask in the beauty of the golden sunsets, and embrace the island’s laid-back charm, you’ll come to understand why St. Simons Island has captured the hearts of residents and visitors alike. Revel in the island’s enchanting atmosphere, indulge in its culinary delights, and immerse yourself in the timeless allure of St. Simons, Georgia.

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:

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?

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

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 :

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:

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
St. Simons, GA

Choosing the Right Mobile Home Insurance for
St. Simons, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: St. Simons, Georgia is vulnerable to coastal erosion and sea level rise, which can lead to the loss of beaches, destruction of coastal infrastructure, and increased risk of flooding.
  • Data:
    • St. Simons is located on a barrier island along the Atlantic coast, making it susceptible to erosion from wave action and storms.
    • Sea levels along the Georgia coast have risen by approximately 8 inches over the past century and are projected to continue rising.
  • Tips for mobile homeowners, RV owners, and residents:
    • Consider investing in protective measures for your mobile home or RV, such as elevating the structure or installing storm-resistant features.
    • Stay informed about local erosion control initiatives and adhere to any beach nourishment or dune restoration efforts.
    • Consult with local authorities and experts to understand the long-term risks and potential mitigation strategies for your property.

  • Description: St. Simons, Georgia faces the risk of tropical storms and hurricanes, which can bring heavy rain, strong winds, storm surge, and potential coastal flooding.
  • Data:
    • St. Simons is located within the hurricane-prone Atlantic Basin and can be directly impacted by tropical systems.
    • Hurricane season in the Atlantic spans from June to November, with the peak occurring between August and October.
  • Tips for mobile homeowners, RV owners, and residents:
    • Stay updated with the latest tropical weather forecasts and heed evacuation orders from local authorities if necessary.
    • Secure or relocate your mobile home or RV well in advance of a tropical storm or hurricane threat.
    • Create a disaster preparedness kit containing essential supplies such as non-perishable food, water, flashlights, and a battery-operated radio.

  • Description: St. Simons, Georgia experiences the risk of saltwater intrusion, which can impact the quality of drinking water supplies by introducing saline water into freshwater aquifers.
  • Data:
    • Saltwater intrusion is more likely during drought conditions or due to the over-pumping of groundwater resources.
    • The presence of saline water can render freshwater unfit for consumption and agricultural use.
  • Tips for mobile homeowners, RV owners, and residents:
    • Stay informed about local water quality reports and follow any water usage restrictions to help conserve freshwater resources.
    • Consider installing a water filtration system or using bottled water for drinking and cooking during periods of saltwater intrusion.
    • Engage in water conservation practices such as fixing leaks and using water-efficient appliances.

By considering these unique and specific tips, mobile homeowners, RV owners, and residents in St. Simons, Georgia, can better prepare for the weather and environmental hazards specific to the area. It is important to stay informed by monitoring local weather updates, following guidance from local authorities, and having an emergency plan in place.

Note: Weather patterns and risks can vary from year to year. It is advisable to consult local resources and authorities for the most up-to-date information and tailored recommendations regarding weather hazards in St. Simons, Georgia.

Crime Rates:

Crime Rates:

    • The crime rate in St. Simons, GA is higher than the national average for both violent and property crimes.
    • The violent crime rate in St. Simons, GA is 23.8, which is higher than the US average of 22.7.
  • The property crime rate in St. Simons, GA is 62.2, which is significantly higher than the US average of 35.4.

Secure your property: Due to the higher crime rate in St. Simons, it is important to secure your property. Install strong locks on doors and windows, consider installing a security system, and use motion-sensor lighting to deter potential criminals.

Build connections within the community: Get to know your neighbors and participate in neighborhood watch programs. Building strong relationships with fellow residents can help create a sense of community vigilance and provide additional eyes and ears to help keep the neighborhood safe.

Additional Tips:

Additional Tips:


Research and book campsites or RV parks in Georgia well in advance of your trip. Consider visiting coastal areas, such as Jekyll Island or Tybee Island, for scenic camping. Explore the many natural parks, including Chattahoochee-Oconee National Forest, for outdoor adventures.


Familiarize yourself with Georgia's specific traffic laws and regulations. Observe speed limits and obey traffic signs when driving your RV or mobile home. Be mindful of any RV-specific parking restrictions or laws in different cities or counties.


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 .


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.


Purchase liability insurance to protect yourself financially in case someone is injured on your property or as a result of your mobile home. Review your policy limits to ensure you have adequate coverage. Consider an umbrella liability insurance policy for additional protection beyond your standard coverage.


If you plan to travel with your mobile home or RV, perform routine maintenance before each trip. Check tires, brakes, and other mechanical components for proper functioning. Inspect and clean the roof, seals, and windows to prevent leaks during travel.

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Are you in St. Simons, GA, looking for mobile home insurance

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:

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.

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.

Know Your Rights:

Know Your Rights:

Finding the Best Mobile Home Insurance in
St. Simons, GA.

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

These are some things you should look out for in an insurance plan for St. Simons:

These are some things you should look out for in an insurance plan for St. Simons:

Property Crime Coverage

Canton Neighborhood Security Patrol Discount: Homeowners in Canton who participate in a neighborhood security patrol program, where residents take turns patrolling the area, may be eligible for a discount on their property insurance premiums. This encourages community involvement in crime prevention and provides financial incentives for proactive safety measures in Canton.

Tool Theft Protection: Canton is known for its significant construction industry, and tool theft can be a concern. Consider adding additional coverage to your property insurance policy to protect valuable tools and equipment used in construction or other trades from theft or damage unique to Canton’s property crime trends.

Deductible Waiver for Tornado Damage: Canton is located in an area prone to tornadoes. Consider adding an endorsement to your homeowners insurance policy that waives the deductible for tornado-related damage. This ensures that in the event of a tornado, you won’t have to pay the deductible, making it easier to recover and rebuild from such a catastrophic event unique to Canton’s weather patterns.

Sump Pump Failure Coverage: Given Canton’s occasional heavy rainfall and flood risks, consider adding coverage for sump pump failure to your homeowners insurance policy. This endorsement provides protection against water damage resulting from a malfunctioning sump pump, helping mitigate potential losses unique to Canton’s weather patterns.

Canton-Specific Mobile or Manufactured Home Insurance Policies: Opt for a specialized mobile or manufactured home insurance policy specifically designed for Canton. This policy should include coverage tailored to the area’s weather risks, such as tornadoes and flooding, as well as any unique challenges associated with mobile or manufactured homes in Canton.

Trip Collision Coverage for Mobile or Manufactured Home Renters: If you rent a mobile or manufactured home in Canton and frequently move your home, consider adding trip collision coverage to your insurance policy. This endorsement provides protection against collisions or accidents that may occur while relocating your rented home, ensuring you are covered during transport.

Tree Limb Damage Coverage: Canton’s wooded areas can present hazards for RV owners. Consider adding an endorsement to your RV insurance policy that provides coverage for tree limb damage. This ensures protection against any damages caused by falling branches or trees when parking or traveling in Canton’s forested regions.

Extended Coverage for Personal Effects: RV owners often carry personal belongings while traveling. Consider adding extended coverage for personal effects to your RV insurance policy, providing extra protection for valuables such as electronics, clothing, and other belongings unique to your lifestyle in Canton.

Remember to consult with insurance professionals familiar with St. Simons’s specific insurance needs for personalized advice and coverage options suited to your situation.





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