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.
Welcome to Troy, Alabama – a charming city that encapsulates the essence of Southern hospitality and small-town charm. Nestled in the heart of Pike County, Troy offers a captivating blend of rich history, a vibrant arts scene, and a warm community that will make you feel right at home. Be prepared to embark on a journey through time as you explore the city’s storied past, indulge in its cultural treasures, and immerse yourself in the rhythm of life in Troy.
With roots dating back to the early 19th century, the history of Troy is interwoven with stories of resilience, progress, and cultural heritage. Originally settled as a trading post and boomtown, the city’s name pays homage to the ancient city of Troy from Greek mythology. Though not as ancient as its mythical namesake, Troy boasts a proud history shaped by industries like farming, timber, and education. The establishment of Troy University in 1887 marked a turning point for the city, solidifying its place as an esteemed center for higher education.
As you stroll through the streets of downtown Troy, you’ll be greeted by a picturesque landscape of historic buildings, boutique shops, and inviting cafes. Take a moment to soak in the atmosphere and admire the architectural gems that have stood the test of time. While there, be sure to visit the Johnson Center for the Arts, housed in a beautifully restored post office building. This cultural hub showcases a diverse collection of artwork from local and regional artists, providing a glimpse into the thriving artistic community that flourishes in Troy.
For history enthusiasts, a visit to Pioneer Museum of Alabama is a must. This living history museum offers a glimpse into rural life in the 19th century through its extensive collection of historic buildings, artifacts, and period demonstrations. Wander through the authentic log cabins, a one-room schoolhouse, and a blacksmith shop as you step back in time and connect with the region’s rich heritage.
Nature lovers will find solace in the lush beauty that surrounds Troy. The Conecuh National Forest, located just a short drive away, offers a sanctuary for outdoor enthusiasts. Immerse yourself in the tranquility of nature as you hike through the pristine trails, marvel at the majestic cypress swamps, and observe the diverse wildlife that call the forest home.
Troy’s allure extends beyond its historical and natural wonders. It is a place that embraces the concept of community, making it an ideal place to live or visit. The city’s affordable cost of living, low crime rates, and strong sense of safety and security make it an attractive destination for those seeking a close-knit community to call home. Families are drawn to Troy for its excellent educational opportunities, including the esteemed Troy City Schools and Troy University, which brings a vibrant energy to the city. RV enthusiasts and homeowners will find Troy to be a welcoming place with a variety of options to cater to their needs. Whether you’re seeking a temporary home on wheels or a permanent abode, RV parks like Troy RV Park offer modern amenities and a comfortable atmosphere. Enjoy the freedom of exploring the surrounding areas while having a convenient home base to return to. Intriguingly, Troy holds lesser-known facts that add a layer of intrigue to its narrative. Did you know that Troy played a significant role in the Civil Rights Movement? The city was the site of key events, including the famed “Pike County Boycott” in 1964, where African American students led a successful protest against racial segregation in public facilities.
Welcome to Troy, Alabama – where history comes alive, culture thrives, and the embrace of community is felt in every corner. Whether you’re a history buff, an outdoor enthusiast, an arts aficionado, or in search of a place to call home, Troy offers a compelling tapestry of experiences and opportunities. Discover the magic that lies within this enchanting city, where a warm welcome awaits and unforgettable moments are waiting to be made.
Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average.
Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.
Homeowners insurance isn’t required by Alabama state law, but your mortgage lender will likely require you to have it.
Insurance for manufactured homes in Alabama is essential and similar to traditional site-built homes, encompassing structure, liability, and personal property coverage. Despite common misconceptions, manufactured homes don’t inherently carry additional insurance risks.
However, insurance rates can vary significantly by state, often influenced by local weather patterns and natural disaster risks. In Alabama, homeowners insurance costs are above the national average, with state-specific regulations impacting policies. The Alabama Manufactured Housing Association (AMHA) has been advocating for the industry since 1968, ensuring quality and affordable housing options are available, underscoring the importance of proper insurance for homeownership.
Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:
Weather and Environmental Risks:
How add-ons and customizations affect your insurance.
Notify your insurer about significant home improvements.
Ensure your policy covers these additional investments.
Enjoying Alabama's beautiful coastlines with your RV.
Be aware of coastal weather patterns and prepare accordingly.
Coastal-specific RV maintenance and insurance tips.
Create an emergency plan specific to mobile home living.
Essential items for your emergency kit.
How to secure your mobile home in an emergency.
Navigating the claims process step by step.
Tips for a smooth and successful insurance claim.
Documentation and preparation tips for claim filing.
Best practices for storing your RV during off-seasons.
Protecting your RV from weather-related damages while stored.
Adjusting your insurance coverage for periods of non-use.
Familiarize yourself with Alabama's RV towing regulations.
Ensure your vehicle meets state requirements for towing.
Know the implications of towing on your insurance policy.
Mobile and Manufactured Home Insurance Statistics in Alabama:
Based on the 2017 American Community Survey by the U.S. Census Bureau, Alabama has 305,749 mobile homes, making up 13.5% of the state’s total housing. Walker County has the highest percentage of mobile homes at 31.5%.
The presence of mobile homes varies by county, with the lowest being Jefferson County at 2.7% and others like Cullman County and St. Clair County had significantly higher percentages at 27.4% and 28.0% respectively. These figures highlight the importance of mobile homes in Alabama’s housing landscape.
In Alabama, the ten counties with the highest percentage of mobile homes, as per the 2017 American Community Survey, are as follows:
You’ve got 30 days to register it—don’t miss this, or you might get hit with a $10 penalty and a $15 citation fee. Ouch! And if you end up in court without your manufactured home decal, fines could soar up to $500 or even land you a short stay in the county jail.
Here’s the deal on where to register:
Register with the Tax Assessor’s Office if your name’s on both the home and the land titles. Bought them as a package? You’re in luck—no sales tax! Living there yourself? Claim your homestead. Have family staying over? It’s a bit more in taxes, but still a sweet deal. Any confusion? Just call the Tax Assessor at 256-532-3350 for a chat.
Head over to the License Department if you own the home but not the land, or if you’re renting it out. Remember, you’ve got to cover the sales tax and title fee if it’s a 1990 model or newer from out-of-state. Mark your calendar! Registration ends on September 30 each year, and renewal time is from October 1 to November 30.
Don’t forget the Bill of Sale. Alabama dealers take care of sales tax, but out-of-state purchases need sales tax paid at the License Department. And don’t try the old “$1 Bill of Sale” trick—it won’t fly here!
If your manufactured home is a 1992 model or newer, you need a title. Alabama dealers will sort this out for you, but if you’re buying from an individual, you’ll need to sign off on the title with the License Department.
Before you hit the road, grab a move permit for $10. It’s good for 14 days per module, and make sure your taxes or registration fees are all clear. Without it, you’re looking at a class C misdemeanor and at least a $50 fine.
Check with local inspection departments for any setup fees in the area where you’re laying down roots.
You can make it officially part of your property. Just match up the names on the home and land titles, and send in an application with all the right paperwork to the Department of Revenue. If you ever decide to move your home, you’ll need to get a new title. And if your home is a vintage model over 20 years old, no title needed! Just so you know, this doesn’t necessarily mean your home is considered real estate in all legal situations, but it does for tax purposes.
