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

Welcome to Winder, Georgia - a charming city that exudes southern hospitality and embraces the beauty of small-town living. Nestled in the heart of Barrow County, Winder invites residents and visitors alike to experience its rich history, diverse attractions, and a strong sense of community. Join us as we embark on a journey through the captivating past of Winder, explore its notable attractions, and discover why this city is a wonderful place to call home.

Nestled amidst rolling hills and picturesque landscapes, Winder has a history dating back to the early 19th century when it was established as the seat of Barrow County. Named after John H. Winder, a prominent railroad executive, the city soon became a hub for commerce and community. History enthusiasts can discover the city's past at the Winder City Museum, where artifacts and exhibits depict the early pioneer days, the significance of the railroad industry, and the impact of the Civil War on the region. Uncover the vibrant downtown district of Winder, where historic buildings and local businesses intertwine to create a lively and welcoming atmosphere. The Winder Cultural Arts Center showcases the city's commitment to the arts, hosting a variety of performances, art exhibits, and community events. Explore rows of quaint shops, boutiques, and antique stores, where treasures await and friendly locals are always ready to strike up a conversation.

Nature lovers are in for a treat with Winder's close proximity to natural beauty. Spend the day at Fort Yargo State Park, a beloved outdoor haven that offers camping, fishing, boating, and hiking trails amidst stunning lake views and lush forests. For a leisurely stroll, visit the J.H. McWhorter Memorial Trail, a scenic path that winds through the heart of downtown Winder, offering glimpses of the city's architectural gems and connecting various parks along the way.

There are some obscure facts about Winder that add to its allure. Did you know that the city was the birthplace of country music legend Kenny Rogers? Visitors can explore the Kenny Rogers Exhibit at The Winder Cultural Arts Center, which honors the iconic musician's career and contributions to the music industry. Additionally, movie buffs may recognize Winder as a filming location for the hit Netflix series "Stranger Things," adding a touch of cinematic intrigue to the city's appeal.

Winder's appeal as a place to live extends beyond its attractions and rich history. The city offers a tight-knit community and a low cost of living, making it an ideal destination for families and professionals alike. Residents benefit from access to excellent schools, quality healthcare facilities, and numerous recreational opportunities. Winder's small-town charm combined with its proximity to the bustling city of Atlanta provides the perfect balance for those seeking a relaxed lifestyle with easy access to urban amenities.

RV enthusiasts will find Winder a convenient and welcoming destination, with nearby RV parks and camping facilities catering to their needs. Just a short drive away lies the stunning beauty of the North Georgia mountains, where outdoor adventures await amidst breathtaking vistas and opportunities for hiking, fishing, and wildlife spotting. Embrace the freedom of the open road and immerse yourself in Winder's picturesque surroundings.

For those looking for flexible and affordable housing options, Winder offers a range of choices for mobile, manufactured, and modular homeowners. Communities such as Winder Mobile Home Park provide modern amenities, a close-knit community atmosphere, and a convenient location near the heart of the city.

As you immerse yourself in Winder's captivating history, explore its diverse attractions, and embrace the warmth of its community, you'll soon discover why this city holds a special place in the hearts of its residents and visitors. So, wander through its historic streets, savor its local flavors, and experience the genuine hospitality and charm that await in Winder, 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.

  • 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:

Choosing the Right Mobile Home Insurance for Winder, GA

Weather & Environmental Risks:

  • Description: Winder, Georgia is vulnerable to microburst winds, which are localized intense downdrafts that can cause sudden and significant wind gusts. These microbursts can result in property damage, downed trees, and power outages.
  • Data:
    • Winder is located within an area of frequent thunderstorm activity, increasing the risk of microbursts.
    • Microbursts are generally short-lived but can produce wind gusts of 60 mph or greater.
  • Tips for mobile homeowners, RV owners, and residents:
    • Secure outdoor objects, such as patio furniture and trash cans, that can be easily blown away or damaged by strong winds.
    • Regularly trim trees near your mobile home or RV to minimize the risk of branches falling during microburst events.
    • Have an emergency kit with essential supplies, including flashlights, batteries, and a portable power bank in case of power outages.
  • Description: Winder, Georgia is located near the Apalachee River, putting it at risk for river flooding, especially during periods of heavy rainfall and prolonged wet weather patterns.
  • Data:
    • Flood-prone areas in Winder include low-lying regions adjacent to the Apalachee River and its tributaries.
    • Flooding can occur gradually or rapidly depending on rainfall intensity and upstream conditions.
  • Tips for mobile homeowners, RV owners, and residents:
    • Be aware of your proximity to flood-prone areas when parking or setting up your mobile home or RV.
    • Monitor river levels and stay informed about flood warnings issued by local authorities.
    • Have a plan for relocating your mobile home or RV to higher ground if flood conditions are imminent.
  • Description: Winder, Georgia experiences high heat index values during summer months, which take into account the combined effect of temperature and humidity. Prolonged exposure to extreme heat can increase the risk of heat-related illnesses.
  • Data:
    • Average heat index in July: 95°F; can reach or exceed 100°F during heatwaves.
    • Humidity levels in Winder can be elevated due to its inland location.
  • Tips for mobile homeowners, RV owners, and residents:
    • Ensure your mobile home or RV is well-insulated and properly ventilated to reduce heat buildup.
    • Use air conditioning or fans to maintain a comfortable indoor temperature during heatwaves.
    • Stay hydrated by drinking plenty of water, limit outdoor activities during peak heat hours, and seek shade or air-conditioned spaces when possible.

By considering these unique and specific tips, mobile homeowners, RV owners, and residents in Winder, 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 Winder, Georgia.

Recommended Attractions in/around Winder:

  • Description: A 1,816-acre park with camping, a lake for fishing and swimming, hiking trails, and historic sites.
  • Tips:
    • Rent a canoe, kayak, or pedal boat and explore the calm waters of Lake Marbury.
    • Pick a campsite with electricity and water or stay in a cottage for a comfortable and leisurely stay in the park.
  • Description: A sprawling park with hiking trails, playgrounds, a fishing lake, and disc golf courses.
  • Tips:
    • Rent a bike or take your own for a ride through the park’s scenic trails.
    • Spend some quality time with family or friends playing a round of disc golf or fishing in the lake.
  • Description: A luxurious resort with a winery, spa, golf courses, and dining options.
  • Tips:
    • Attend a wine tasting and sample Chateau Elan’s award-winning wines.
    • Indulge in a relaxing massage or other spa services at the resort’s European-inspired spa.
  • Description: A museum offering exhibits and collections chronicling Barrow County’s history.
  • Tips:
    • Take a guided tour through the museum and learn about the county’s past and how it evolved over time.
    • Check the museum’s calendar for any events or exhibits being held during your visit.
  • Description: A premiere golf and country club community with luxurious amenities and dining options.
  • Tips:
    • Book a tee time and enjoy a round of golf on the award-winning course.
    • Have a meal at one of the club’s restaurants and savor the exquisite cuisine and atmosphere.
  • Description: A community center with indoor and outdoor pools, sports courts, fitness facilities, and classes.
  • Tips:
    • Join a fitness class and enjoy a fun and active workout session.
    • Bring your kids and let them enjoy the indoor or outdoor pool during the summer.
  • Description: A man-made lake with plenty of fishing and boating opportunities, along with scenic walking trails.
  • Tips:
    • Rent a boat or bring your own and spend some time fishing or simply enjoying the calm waters.
    • Take a walk along the lake’s trails and look out for the diverse flora and fauna the area has to offer.
  • Description: A mysterious monument consisting of six granite slabs inscribed with enigmatic messages.
  • Tips:
    • Take a guided tour of the monument to learn about its history and meaning.
    • Take a photo with the monolithic structure to create a memorable and unique memory.
  • Description: A family-friendly RV park and campground offering full hookups and amenities.
  • Tips:
    • Reserve a campsite with a fire pit and enjoy a relaxing evening around the campfire.
    • Take advantage of the park’s game room and outdoor activities, including a playground and basketball court.
  • Description: A farm offering horseback riding, hayrides, and other outdoor activities for visitors.
  • Tips:
    • Go on a guided horseback ride through the beautiful countryside and take in the scenic views.
    • Schedule a hayride and enjoy a fun and unique outdoor experience with friends or family.

These attractions in and around Winder, Georgia, cater to people who live in mobile homes, enjoy outdoor living, or travel in RVs. From State Parks and wineries, to museums and RV parks, Winder offers something for everyone to enjoy!

Note: It is always advisable to check the opening hours and availability of attractions before planning your visit.

Crime Rates:

  • The crime rate in Winder is higher than the national average across all communities in America.
  • The chance of becoming a victim of either violent or property crime in Winder is 1 in 41.
  • Winder has a crime rate higher than 77% of cities and towns in Georgia.
  • Winder has a higher rate of violent crime compared to most communities in America.
  • Violent crimes included in this rate are armed robbery, aggravated assault, rape, and murder.
  • The chance of becoming a victim of a violent crime in Winder is 1 in 299.
  • Winder has an above average chance of becoming a victim of a property crime compared to other communities in America.
  • Property crimes included in this rate are motor vehicle theft, arson, larceny, and burglary.
  • The chance of becoming a victim of a property crime in Winder is 1 in 47.
  • Take proactive measures to secure your property and belongings, considering the above average property crime rate in Winder. Install security systems, reinforce doors and windows, and consider joining or forming a neighborhood watch.
  • When parking your mobile home or RV, choose well-lit and secure areas. Consider using locking mechanisms for RV doors and windows, and if possible, park in designated RV parks with additional security measures in place. Building connections with neighbors and being aware of your surroundings can also contribute to better security as a mobile homeowner or RV owner in Winder.

Additional Tips:


Install carbon monoxide detectors in your mobile home or RV, particularly if you have gas appliances or a generator.
Test the detectors regularly to ensure they are functioning properly.
Have a professional inspect and service gas appliances annually.


Ensure any steps or stairs leading to your mobile home are in good condition and free of loose boards or hazards.
Install handrails on staircases to provide additional stability and support.
Use non-slip materials on outdoor steps to prevent slipping.


Use GPS navigation devices designed for RVs or mobile homes to avoid low bridges and narrow roads.
Update your GPS device's maps regularly to ensure accurate directions.
Always use caution when using GPS and follow road signs and traffic regulations.


Research pet-friendly accommodations and campsites before traveling with pets.
Ensure your pets are up to date on their vaccinations and have proper identification.
Remember to pick up after your pets and dispose of waste properly.


Install deadbolt locks and a security alarm.
Keep entry and exit points well-lit.
Use outdoor lighting and motion sensors to deter theft.


Secure all items in your mobile home or RV before traveling.
Check the weather and road conditions before embarking on a trip.
Follow local laws and regulations related to mobile homes and RVs.

Did You Know?

In Winder, GA mobile homes must be titled with the Secretary of State.

Georgia Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Georgia:

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.

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.

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.

Learn about the Georgia Administrative Code Chapter (120-3-7! )

The Georgia Administrative Code Chapter 120-3-7 governs manufactured and mobile homes under the authority of the Georgia Safety Fire Commissioner. The regulations aim to:

The terms used within these regulations align with definitions provided by Georgia law and include specific roles like the Fire Safety Compliance Officer, responsible for inspections and enforcement​​.

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.

Finding A Manufactured Home in Winder, GA.

If you're in the market for a mobile or manufactured home in Winder, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Winder.

Oak Springs Community

All Ages Community Address: 1770 Oak Springs Street, Statham, GA 30666
Pet Policies: Pets allowed, certain breed restrictions, 25 lbs when fully grown
Community Features: Off-Street Parking, Gravel Street Type, No Age Restrictions, 1 Vacant Site, 19 Sites, 5% Homes with Lap Siding

McCarty Community

All Ages Community Address: 462 Mccarty Road, Statham, GA 30666
Pet Policies: Pets allowed, certain breed restrictions, 25 lbs or less when fully grown
Community Features: Off-Street Parking, Paved Street Type, No Age Restrictions, 1 Vacant Site, 50 Sites, 30% Multi Section Homes, 20% Homes with Peaked Roofs, 5% Homes with Lap Siding

Russell Village MHC

All Ages Community
Address: 478 E Midland Ave, Winder, GA 30680
Pet Policies: Pets allowed, no vicious breeds, one pet per home Community Features: Off-Street Parking, Paved Street Type, No Age Restrictions, Year Built: 1988, 73 Sites, 50% Multi Section Homes, 50% Homes with Peaked Roofs, 50% Homes with Lap Siding, Distance to water: 2.7 Miles

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Winder, GA. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Winder, GA.

It's essential to compare quotes from various insurance providers and work with local agencies that understand Winder'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!

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

  1. Theft Coverage for ATVs and Off-Road Vehicles: Winder, GA is known for its outdoor recreational opportunities, and many residents own ATVs and off-road vehicles. Consider adding theft coverage for these vehicles to your homeowner’s insurance policy to protect against theft, damages, or vandalism.
  2. Tool and Equipment Coverage: Winder, GA has reported incidents of theft targeting tools and equipment. If you have valuable tools or equipment, consider adding coverage specifically for these items to your homeowner’s insurance policy to protect against theft or damage.
  1. Flood Insurance: Located near the Apalachee River, Winder, GA is at risk of flooding. Consider adding flood insurance to your homeowner’s insurance policy to protect against damages caused by flooding, including damage to your property and belongings.
  2. Tree Coverage: Winder, GA experiences severe weather events, including storms that lead to fallen trees. Consider adding tree coverage to your homeowner’s insurance policy to protect against damage caused by fallen trees, including removal and repair costs.
  1. Expanded Water Damage Coverage: Mobile and manufactured homes in Winder, GA may be more susceptible to water damage due to their construction. Consider adding expanded water damage coverage to your insurance policy to protect against damages caused by leaks, burst pipes, or other water-related incidents specific to mobile and manufactured homes.
  2. Landscaping Coverage: Many mobile and manufactured homeowners invest in landscaping and outdoor features. Consider adding landscaping coverage to your insurance policy to protect your landscape features, such as trees, plants, and decorative elements, against damages caused by severe weather or accidents.
  1. Storage Facility Coverage: If you store your RV in a storage facility in Winder, consider adding storage facility coverage to your RV insurance policy. This endorsement can provide additional protection against damages or theft that may occur while your RV is stored.
  2. Personal Property Coverage: RV owners often carry valuable personal belongings while traveling. Consider adding personal property coverage to your RV insurance policy to protect your personal belongings against theft, damage, or loss while on the road or parked in Winder, GA.

As always, carefully review your insurance options and consult with an insurance professional to ensure you have the appropriate coverage for your specific needs and circumstances in Winder, GA.

Now that you've got the lowdown on mobile home insurance coverage in Winder, GA don't hesitate to get a CoverTree quote now.




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