Finding mobile home insurance in Alabama or Georgia can feel like nobody wants your business. You call a big-name insurer and hear "we don't cover mobile homes." You try another and get quoted a price that makes no sense. If you own an older manufactured home — built before the 1976 HUD standards — the rejection rate climbs even higher.
We get it. At Coffey Agencies, we've spent 16 years helping Alabama and Georgia families find manufactured home insurance from carriers that actually specialize in this type of coverage. One call to our Centre, AL or Rome, GA office gets you quotes from multiple companies — no hunting, no runaround.
What Mobile Home Insurance Actually Covers
Mobile home insurance (also called manufactured home insurance) works differently than standard homeowners coverage. Here's what a typical policy includes:
Dwelling Coverage
Protects the structure of your mobile home itself — walls, roof, built-in appliances, and permanently attached components. If a tornado tears through your property or a fire damages your home, this coverage pays to repair or rebuild.
Personal Property Coverage
Protects your belongings inside the home: furniture, electronics, clothing, and other possessions. If your belongings are stolen or destroyed in a covered event, this coverage helps replace them.
Liability Protection
Covers you if someone is injured on your property or if you accidentally damage someone else's property. This includes legal defense costs if you're sued.
Additional Structures Coverage
Extends protection to detached structures like porches, carports, sheds, and storage buildings on your property.
What's NOT covered:
Standard mobile home insurance does not cover flood damage. In Alabama and Georgia, if your manufactured home sits in a flood-prone area, you'll need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer. We can help you find that coverage too.
Need coverage for your mobile home?
Mobile Home Insurance in Alabama — Weather Risks You Need to Know
Alabama sits in the heart of Dixie Alley, a region stretching from eastern Texas to the Carolinas that sees some of the most dangerous tornadoes in the country. Alabama averages 42-64 tornadoes annually, and between 1950 and 2006, the state tied Kansas for the most F5 tornadoes recorded. The core months are March through May in spring and November through December in late fall.
What makes Alabama tornadoes particularly dangerous for mobile home owners: they often form from high-precipitation supercells, meaning they're wrapped in rain and difficult to see. Many strike at night. And manufactured homes — even properly anchored ones — are more vulnerable to wind damage than site-built structures.
Wind and Tornado Coverage
Standard mobile home insurance in Alabama covers wind and tornado damage, but pay attention to your deductible. Many carriers apply separate wind/hail deductibles — often 1-2% of your dwelling coverage limit. On a $100,000 policy, that's $1,000-$2,000 out of pocket before coverage kicks in.
Hurricane Exposure
Coastal and south Alabama face hurricane and tropical storm threats. Mobile, Baldwin, and other Gulf-adjacent counties may see percentage-based wind deductibles during named storms. Understanding these deductibles before you need them matters.
HUD Wind Zone Requirements
South Alabama falls into HUD Wind Zone 2, which requires more stringent tie-down and anchoring systems. Coastal areas within 1,500 feet of the shoreline may face Zone 3 requirements. If your manufactured home's tie-downs don't meet the requirements for your zone, insurers may decline coverage or charge higher premiums.
Rural Fire Protection
If your mobile home sits more than 5 miles from a fire station or lacks nearby fire hydrants — common in rural Alabama — expect that distance to affect your premium. Carriers factor response time into their pricing.
Mobile Home Insurance in Georgia — What Peach State Owners Face
Georgia averages 30 tornadoes per year, with the northern part of the state sitting squarely in Dixie Alley territory. In the last fifty years, Georgia has seen more than 1,450 tornadoes, and every county in the state has experienced at least one since 1950. Peak activity runs March through May, though tornadoes can strike any month.
North Georgia — particularly the triangle formed by Atlanta, Marietta, Canton, and Cartersville running through Gainesville and Newnan — has experienced over 130 tornadoes since 1950. Cherokee, Fulton, and Coweta counties each recorded more than 30 tornadoes during that period.
Wind Zones in Georgia
Most of Georgia falls into HUD Wind Zone 1, which requires standard tie-down systems. However, six coastal counties — Chatham, Bryan, Liberty, McIntosh, Glynn, and Camden — are designated Wind Zone 2, requiring stronger anchoring. Georgia has no Wind Zone 3 areas, but coastal manufactured home owners should still expect stricter requirements.
Hail Damage
North Georgia sees significant hail events, particularly during spring severe weather season. Hail can damage mobile home roofing and siding quickly. Check whether your policy uses a separate hail deductible.
Hurricane & Tropical Storm Exposure
South and coastal Georgia face threats from systems moving inland from the Atlantic or up from Florida. Hurricane Michael in 2018 caused significant damage well into the Georgia interior. Understand your wind coverage before hurricane season.
Flood Risk
Like Alabama, standard mobile home insurance in Georgia does not cover flooding. Low-lying areas, properties near rivers or creeks, and coastal regions need separate flood insurance.
Whether you're in rural Alabama or metro Atlanta, we can find coverage that fits.
Insuring Manufactured Homes — Age Matters
The age of your manufactured home significantly affects your insurance options. Here's what you need to know:
The 1976 HUD Standard Cutoff
June 15, 1976 marks a critical date in manufactured housing. That's when HUD's Manufactured Home Construction and Safety Standards took effect, establishing uniform building codes for factory-built homes. Homes built after this date — often called "manufactured homes" rather than "mobile homes" — were constructed to federally regulated safety standards covering structural design, fire safety, plumbing, electrical systems, and wind resistance.
Homes built before this date weren't subject to these standards, which is why the insurance industry treats pre-1976 and post-1976 manufactured homes very differently. Most carriers won't write coverage on pre-1976 units due to the lack of standardized construction and higher associated risks.
What About Homes from the Late 1970s Through 1990s?
Even homes built after the 1976 HUD standards can face insurance challenges as they age. A manufactured home from 1985 or 1992 meets HUD construction standards but may still encounter:
- Limited carrier options — Not every insurer writes coverage on homes 30+ years old
- Actual Cash Value vs. Replacement Cost — Older homes often qualify only for ACV coverage, which factors in depreciation
- Condition requirements — Carriers may require updated electrical systems, proper tie-downs, or other improvements
- Higher premiums — Age increases perceived risk, affecting your rate
We work with carriers like Foremost and American Modern who specialize in manufactured housing and understand that a well-maintained 1985 mobile home is a different risk than a neglected one. If your HUD-compliant manufactured home has been turned down elsewhere, we may be able to find options.
Upgrades That Help Your Insurability
If you own an older (but post-1976) manufactured home, these improvements can help you qualify for better coverage and rates:
- Updated electrical systems meeting current codes
- Proper tie-downs and anchoring for your wind zone
- Continuous skirting around the base
- Smoke and carbon monoxide detectors
- Security features like deadbolts and alarm systems
- Well-maintained roof and structural components
How Much Does Mobile Home Insurance Cost?
Alabama
~$527/year
Average mobile home insurance cost, though your actual premium depends on several factors including location, home age, and condition.
Georgia
$300-$700/year
Georgia's slightly more moderate climate keeps premiums lower for many homeowners, though tornado and hurricane exposure can push rates higher.
Factors that affect your mobile home insurance cost:
- Location — County, proximity to fire stations, flood zone status, and local weather patterns
- Age of home — Newer manufactured homes built to HUD standards typically cost less to insure
- Home value and size — Higher dwelling coverage limits mean higher premiums
- Foundation type — Permanent foundations often qualify for better rates
- Tie-down status — Proper anchoring to HUD wind zone requirements can reduce premiums
- Distance from fire protection — Homes far from fire stations or hydrants face higher rates
- Coverage limits and deductibles — Higher deductibles lower your premium
- Claims history — A clean claims record helps keep rates down
Ways to save on mobile home insurance:
- Bundle with auto insurance — Multi-policy discounts typically save 10-25%
- Install safety features — Smoke detectors, security systems, storm shutters, and deadbolts can earn discounts
- Choose a higher deductible — If you can afford a larger out-of-pocket expense at claim time, you'll pay less in premiums
- Maintain a claims-free record — Avoid filing small claims that you could pay out of pocket
- Upgrade your home — Better tie-downs, skirting, and electrical systems signal lower risk to insurers
Want to know your actual cost?
Our Process — How Getting Mobile Home Insurance Works
Call or Request a Quote
Contact our Centre, AL office (256-927-6287) or Rome, GA office (706-784-6511). Tell us about your manufactured home: year built, size, location, current condition, and any upgrades.
We Match You With The Right Coverage
Our agents specialize in mobile home policies that actually work for Alabama and Georgia — including coverage for older manufactured homes that other agencies turn away.
Review Your Options
We explain what each policy covers, what it costs, and what the deductibles mean in plain English. No jargon, no pressure. You'll understand exactly what you're buying before you commit.
Get Protected
Once you choose a policy, we can often bind coverage the same day. You'll have proof of insurance and can rest easier knowing your home is protected.
Frequently Asked Questions About Mobile Home Insurance
What Our Customers Say
"Crystal was extremely professional, courteous, and pleasant. We've been with Cody's team for many years as they continue to serve our insurance needs with excellent customer service and comprehensive coverage. Many thanks!"
"Lexi was patient and helpful when I stopped by to ask multiple questions. She's an asset to the office."
"Crystal went above and beyond to help me with questions about my phone and driving test."
Mobile Home Insurance Throughout Alabama
We serve manufactured home owners across all of Alabama from our Centre office. Whether you're in a rural area with limited fire protection or a more populated region, we understand the specific insurance challenges Alabama mobile home owners face.
North Alabama
Tornado exposure is significant in the Tennessee Valley region. We work with carriers who understand Dixie Alley risks.
Central Alabama
From the Birmingham metro to rural counties, we find coverage for manufactured homes of all ages and conditions.
South Alabama & Gulf Coast
Higher wind exposure from hurricanes requires specialized coverage. We help navigate Zone 2/Zone 3 requirements.
Mobile Home Insurance Throughout Georgia
Our Rome, GA office serves manufactured home owners across all of Georgia. From the tornado-prone north to the hurricane-exposed coast, we know Georgia's insurance landscape.
North Georgia
The Atlanta metro area and surrounding counties see significant tornado activity. We match mobile home owners with carriers who properly price wind risk.
Central Georgia
Rural areas face fire protection distance challenges. We work with carriers who understand these situations.
South Georgia & Coast
Hurricane exposure increases as you move south, and the six coastal counties in Wind Zone 2 face stricter requirements.
Stop Searching. Start Saving.
One call. Multiple quotes. Coverage that actually protects your manufactured home.
If you've been told "no" by other agencies, if you own an older mobile home others won't insure, or if you simply want to know your options — we're here to help.
Coffey Agencies — Family-owned since 2009. Licensed in Alabama (#416438) and Georgia (#149612). 4.7★ Google rating with 200+ reviews.