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

A Guide to Mobile Home Insurance in Stonecrest, GA : Costs, Coverage, and Considerations

Welcome to Stonecrest, Georgia a vibrant city that harmoniously combines natural beauty with urban conveniences. Situated in southeastern DeKalb County, Stonecrest offers residents and visitors a unique blend of suburban tranquility and modern amenities, making it an enticing destination for those seeking a peaceful yet connected lifestyle.

Stonecrest’s history is rooted in its incorporation as a city in 2016, making it one of the newest cities in Georgia. Despite its recent establishment, the area has a rich historical legacy, with traces of Native American settlements dating back thousands of years. The city’s growth and development over time have led to its emergence as a thriving community with a vision for the future. Signifying the city’s commitment to progress, one of Stonecrest’s prominent attractions is the Arabia Mountain National Heritage Area. This stunning natural landscape encompasses over 40,000 acres of pristine beauty, including granite outcrops, serene forests, and crystal-clear lakes. Hike or bike along the scenic trails that wind through the area, offering a peaceful escape from the hustle and bustle of everyday life.

Another notable attraction is the Mall at Stonecrest, a premier shopping destination where residents and visitors can indulge in retail therapy. With a wide range of stores, including national brands and specialty boutiques, this mall caters to every shopping desire. After exploring the latest fashion trends or finding the perfect gift, sample the diverse culinary offerings within the mall’s food court or nearby restaurants.

For history buffs, DeKalb History Center is a treasure trove of information about the area’s heritage. Delve into exhibits that explore the region’s past, including its role in the Civil Rights Movement, the impact of infrastructure development, and the stories of influential figures who have called Stonecrest home. Gain a deeper understanding of the events that have shaped the city and its people.

An obscure fact about Stonecrest lies within its connections to legendary civil rights leader Martin Luther King Jr. The neighborhood of Lithonia, part of Stonecrest, was the setting for King’s famous “I Have a Dream” speech in 1963. Stand at the very spot where history was made and celebrate the profound impact of King’s words, which continue to resonate around the world.

One of the reasons Stonecrest is a great place to live is its community-focused atmosphere. The city hosts numerous events and festivals throughout the year that bring neighbors, friends, and families together. From multicultural celebrations to art shows and concerts, these gatherings foster a strong sense of unity and provide opportunities to connect with fellow residents.

For RV enthusiasts, Stonecrest offers an ideal launching pad for exploration. Set up camp at nearby RV parks such as Stone Mountain Heights RV Park and Lithonia KOA, and embark on adventures to discover the wonders of Georgia. Experience the natural beauty of Stone Mountain Park, which features a massive granite dome, hiking trails, scenic train rides, and a variety of recreational activities for all ages.

Stonecrest also caters to the housing needs of mobile, manufactured, or modular homeowners. Various communities in the area provide well-maintained neighborhoods and amenities that enhance the comfort and convenience of residents. Find your dream home, nestled in a friendly community, and enjoy the peace and tranquility that Stonecrest offers.

In conclusion, Stonecrest invites you to immerse yourself in its natural splendor, embrace its community spirit, and discover the serenity of suburban life without sacrificing modern conveniences. With highlights for RV enthusiasts and mobile/manufactured/modular homeowners, Stonecrest offers a tapestry of experiences that will leave you captivated by the city’s unique character and allure.

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
Stonecrest, GA

Choosing the Right Mobile Home Insurance for
Stonecrest, GA

Weather & Environmental Risks:

Weather & Environmental Risks:

  • Description: Stonecrest is susceptible to severe thunderstorms that can produce high winds, heavy rain, lightning, and the potential for damaging windstorms. Windstorms can cause property damage, including to mobile homes and RVs.
  • Data:
    • Average annual thunderstorm days: 50 days
    • Windstorm risk level: Moderate
  • Tips for mobile homeowners and RV owners:
    • Stay informed: Monitor local weather forecasts and listen for severe weather alerts or warnings issued by local authorities.
    • Secure outdoor belongings: Tie down or store any loose objects that could become projectiles during high winds or windstorms.
    • Trim surrounding trees: Regularly maintain and trim trees near your mobile home or RV to reduce the risk of falling branches during windstorms.
    • Reinforce structures: Consider retrofitting or reinforcing your mobile home or RV to enhance its structural integrity against strong winds.

  • Description: Stonecrest 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: 91°F (33°C)
    • Average number of days above 90°F (32°C) per year: 85 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: Stonecrest may experience flooding and heavy rainfall during periods of intense storms, which can result in flash flooding and saturate the ground, potentially impacting mobile homes and RVs.
  • Data:
    • Average annual precipitation: 53 inches
    • Flood risk level: Moderate to high
  • Tips for mobile homeowners and RV owners:
    • Monitor weather alerts: Stay updated on weather forecasts and pay attention to 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 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:

Crime Rates:

  • Stonecrest has one of the highest crime rates in America compared to all communities of all sizes, with a crime rate of 38 per one thousand residents.
  • The chance of becoming a victim of either violent or property crime in Stonecrest is one in 27.
  • Compared to other communities of similar population size, Stonecrest’s crime rate is higher than average.
  • Within Georgia, more than 100% of the communities have a lower crime rate than Stonecrest.

  • Stonecrest has one of the highest violent crime rates in the nation, with a chance of becoming a victim of one of these crimes at one in 96.
  • Violent offenses tracked include rape, murder, and non-negligent manslaughter, armed robbery, and aggravated assault with a deadly weapon.

  • A lot of the crime that takes place in Stonecrest is property crime, with a chance of becoming a victim of one of these crimes at one in 37.
  • Property crimes tracked include burglary, larceny over fifty dollars, motor vehicle theft, and arson.
  • Stonecrest has one of the highest rates of motor vehicle theft in the nation, with a chance of getting your car stolen at one in 224.

  • Given the high crime rates in Stonecrest, 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.
  • Avoid parking in isolated or dimly lit areas, particularly at night.
  • Be vigilant and travel in groups when possible, particularly in areas with higher crime rates.

Mobile homeowners and RV owners in Stonecrest should take necessary precautions to ensure their safety and protect their property in light of the high crime rates in the area.

Additional Tips:

Additional Tips:


Follow local authorities' guidance on evacuation orders and emergency procedures. Secure your mobile home by anchoring it properly to withstand high winds. Trim trees and remove dead branches to reduce the risk of falling debris.


Ensure your insurance policy covers specific risks in Georgia, such as hurricanes. Consider purchasing flood insurance if your mobile home is located in a flood-prone area. Review your policy limits and deductibles to ensure you have adequate coverage.


Implement wind-resistant features such as impact-resistant windows and reinforced doors. Install hurricane shutters or plywood panels to protect windows during severe weather. Document windstorm mitigation measures to potentially qualify for insurance discounts.


Evaluate your flood risk based on the location of your mobile home. Purchase flood insurance through the National Flood Insurance Program (NFIP). Understand the coverage limits and exclusions of your flood insurance policy.


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.

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Are you in Stonecrest, 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
Stonecrest, GA.

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

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

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

Proximity to Fire Stations: Being located close to a fire station can potentially reduce the response time in case of a fire emergency, which may impact insurance rates.

Home Security Systems: Installing a monitored home security system may help deter burglaries and may result in discounted insurance premiums.

Windstorm and Hail Coverage: Georgia can experience severe weather conditions, including windstorms and hail. Consider obtaining coverage specifically for damage caused by these weather events.

Sewer Backup Coverage: In areas with older or inadequate sewer systems, adding coverage for sewer backups can protect against potentially costly damages and repairs.

Trip Collision Coverage: If you move your mobile or manufactured home frequently, consider adding trip collision coverage to protect your home during transportation.

Increased Cost of Construction Coverage: This endorsement can provide coverage for the increased costs associated with meeting current building code requirements when repairing or replacing a damaged mobile or manufactured home.

Personal Property Replacement Cost Coverage: Adding this endorsement can ensure that your personal belongings are replaced at their current value without depreciation being applied.

Identity Theft Coverage: Consider adding coverage for expenses related to identity theft, including legal fees, credit monitoring, and identity restoration services.

Awning Coverage: Consider adding coverage specifically for damage or loss of your RV’s awning.

Total Loss Replacement Coverage: This endorsement can provide coverage for replacing your RV with a new one of similar make and model in the event of a total loss.

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.





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