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 Tuscaloosa, AL – a city where the gentle flow of the Black Warrior River sets the rhythm for a life filled with rich tradition, educational prowess, and the warm embrace of Southern hospitality. Nestled in the heart of Alabama, Tuscaloosa, affectionately known as the “Druid City” for its abundance of oak trees, invites you to explore its vibrant tapestry of history, culture, and community.
As you stroll through the streets of Tuscaloosa, you’ll feel the heartbeat of a city deeply rooted in history yet pulsating with modern vitality. The city’s storied past, dating back to pre-Civil War times, is beautifully preserved in landmarks such as the Jemison-Van de Graaff Mansion and the Battle-Friedman House, each a window into the architectural and cultural legacy of the Deep South.
Yet, perhaps nothing symbolizes Tuscaloosa’s spirit more than the University of Alabama, a beacon of academic excellence and Crimson Tide pride. The university’s sprawling campus is not just a hub for learning and innovation; it’s a vibrant community where tradition and progress dance in perfect harmony. On game days, the roar of the crowd at Bryant-Denny Stadium becomes the city’s pulse, uniting students, alumni, and locals in a shared passion for football and community.
Tuscaloosa’s bond with the Black Warrior River is more than geographical—it’s a relationship that has shaped the city’s identity. The Riverwalk offers a scenic stroll along the water’s edge, where the ebb and flow of the river mirror the calm yet dynamic nature of Tuscaloosa life. Here, families gather, runners jog, and friends convene, basking in the beauty of a city embraced by nature.
The cultural soul of Tuscaloosa shines through in its vibrant arts and music scene. The Tuscaloosa Amphitheater, overlooking the river, hosts concerts and events that draw performers and audiences from across the nation. Meanwhile, local galleries and theaters celebrate the creativity and artistic talent of the community, adding rich hues to the city’s cultural canvas.
When it comes to culinary delights, Tuscaloosa offers a delectable fusion of Southern cuisine and contemporary flavors. From down-home barbecue joints to innovative eateries, the city’s dining landscape invites you on a journey through a world of tastes, each meal a testament to the city’s heritage and diversity.
In Tuscaloosa, the threads of history, education, and community are woven into a fabric that wraps around you with warmth and welcome. It’s a place where every corner has a story, every face a friendly smile, and every experience a blend of tradition and transformation.
Step into Tuscaloosa and let its charm captivate you. Whether you’re wandering through the historic districts, cheering in the stands, or relaxing by the river, Tuscaloosa offers a melody of experiences that resonate with the heart and soul. In this city, known for its oaks and echoes of “Roll Tide,” every moment is an invitation to be part of something bigger—a community rich in history, alive with spirit, and always looking forward.
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:
Residents in Tuscaloosa, especially those living in mobile/manufactured homes and RVs, need to be proactive in preparing for the increased risks of extreme heat, heavy precipitation, flooding, and severe thunderstorms. Staying informed, being prepared for emergencies, and adapting to the changing climate conditions are crucial for safety and resilience in facing these weather challenges.
1) Choose the best lakeside spots for RV camping.
2) Be aware of specific rules and permits required.
3) Protect your RV from humidity and water damage.
1) Know what your policy covers in a mobile home park.
2) Consider community-specific risks and adjust coverage.
3) Engage with park management on safety and security measures.
1) Map out your route considering Alabama's diverse landscapes.
2) Schedule stops at must-see attractions.
3) Stay informed about weather and road conditions.
1) Implement preventive measures to keep pests out.
2) Regularly inspect for signs of infestations.
3) Consider pest coverage in your insurance policy.
1) Plan a route to visit Alabama's rich historical sites.
2) Know the parking and overnight stay rules at each site.
3) Ensure your RV is insured for the specificities of historical site visits.
1) Inspect and maintain your roof and plumbing regularly.
2) Install water detection systems to catch leaks early.
3) Review your policy for water damage coverage specifics.
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.
