Manufactured Housing Insurance Services®

Manufactured Home Insurance in Georgia

Coverage built for Georgia's coastal hurricanes, tornado-prone interior, and north Georgia mountains

Georgia has substantial manufactured and mobile home populations across the state, from the coastal communities around Savannah and Brunswick through south Georgia farm country and into the north Georgia mountains. The state's insurance profile spans hurricane risk along the coast, tornado exposure in the interior, and ice storm and severe winter weather considerations in the north. Our agents help Georgia mobile home owners match coverage to the very different risk profiles found across the state's six geographic regions.

Are you looking to buy Manufactured Home Insurance for your Manufactured, Modular, or Mobile Home in Georgia? 

Manufactured Housing Insurance Services (MHIS) is the best choice for your mobile home insurance needs. We've been in business serving the manufactured home insurance community for over 40 years. If you are looking for mobile home insurance near me, please give us a call, toll-free at 866-644-7111, or use our fast quote form, and we will contact you with the lowest mobile home insurance costs.

Let's get started! Please enter your Name and click "Start Quote"

MHIS exclusively provides manufactured housing insurance. Mobile Home Insurance, Modular Home Insurance, and Manufactured Home Insurance are all areas we specialize in. By focusing on manufactured homes, we have a better understanding of this specific industry and a greater understanding of your needs.

Mobile Home Insurance Risks in Georgia

Georgia's risks vary sharply by region. The coast — particularly Chatham, Glynn, McIntosh, Camden, and Liberty counties — faces hurricane and tropical storm exposure, with both wind and storm surge in play during major events. Tornado risk is significant across central and southern Georgia and reaches into the metro Atlanta area, where the state has seen multiple historic tornado outbreaks. Severe thunderstorms produce hail and damaging winds throughout spring and summer, and north Georgia's mountain counties can see ice storms and heavy snow that drive roofing and tree-fall claims. Flooding affects properties along the Chattahoochee, Flint, and Savannah river systems and after tropical events.

Mobile Home Insurance Regulations in Georgia

The Georgia Office of Commissioner of Insurance and Safety Fire regulates the property insurance market, and Georgia maintains the Georgia Underwriting Association — a residual market mechanism — for properties that can't secure coverage in the standard market. Coastal counties have a separate Beach Plan designation for wind exposure, and homeowners in those zones often combine plan-issued wind coverage with separate non-wind property policies. Georgia enforces installation, anchoring, and tie-down standards through the state's manufactured housing regulations, and proper documentation of HUD compliance affects insurability across all carriers.

The Georgia Mobile Home Insurance Market

Georgia's mobile home insurance market is generally competitive across most of the state, with specialty manufactured home carriers actively writing standard coverage in interior counties. Coastal counties see narrower carrier appetite, particularly for older homes or properties close to the immediate shoreline. Tornado-prone areas in central Georgia sometimes see higher wind and hail deductibles, and homes with older roofs face roof-condition underwriting that can affect renewal. Working with an agent familiar with both the standard market and the Georgia Underwriting Association helps coastal and high-risk-county homeowners assemble complete coverage.

Reputable

  • Specialists - Unlike other insurance services, MHIS deals exclusively with manufactured / mobile home insurance.
  • Top Rated - We've partnered with American Modern Insurance Group and American Bankers Insurance Company (Both rated A or better by A.M. Best)
  • Excellent Claim Service - We work with Claim Adjusters in Georgia, all specially trained to handle claims quickly and fairly. Knowledge of Georgia is what makes our "personal service" the best in the industry.

Responsive

  • Fastest Service Around - Our experienced, friendly staff provides instant quotes, binders, and policies, and we can fax or email everything you need immediately.
  • Satisfied Customers - We offer reasonable, competitive mobile home insurance rates (sometimes referred to as cheap mobile home insurance) in Georgia, and our fast, personalized service keeps our customers happy.

Reliable

  • There When You Need Us - We have extended hours Monday-Friday. We don't have official weekend hours, but, in most cases, we are still available to assist.
  • Comprehensive Coverage - All of our policies provide Comprehensive Coverage so you can rest easy knowing you're covered.
  • Policies with Personal Service - We'll analyze your insurance needs and recommend any optional coverages that may be needed. Mobile home insurance is our specialty, and we are confident you will be happy you bought your mobile home insurance from us.

Buying home insurance is more than just finding cheap homeowners insurance in Georgia. Let our trained professionals show you how cheap mobile home insurance can still be high-quality home insurance. When it comes time to place a claim, you need to be sure that you are covered, and your claim will be processed efficiently and accurately. This is why MHIS is the best choice for mobile home insurance; we guarantee that you will be satisfied with our service.


What is the difference between Manufactured Homes, Mobile Homes and Modular Homes?

Mobile Homes, Manufactured Homes or Trailer Homes is a classic naming convention for homes made off-site, and then delivered to their intended location.

Does it matter when you are looking for an Insurance Quote?

Lets first understand the difference in terms used for Manufactured Homes so we can better understand which one we are looking to insure.

TL;DR: Modular Homes do use a different type of policy than Manufactured Homes.

Manufactured Homes and Mobile Homes

This term is effectively interchangeable as both share the same basic construction features;

  • Factory-built
  • Delivered to its final location
  • Built on a sturdy frame often made of steel I-beams
  • May come with the means to affix to a permanent foundation

But the key difference between Mobile and Manufactured Homes is based on its manufactured date. Mobile homes have assembly dates prior to June 15, 1976. All similar homes built after June 15, 1976, are labeled as Manufactured Homes. Manufactured Homes and Trailer Homes also have a serial number.


Modular Homes

Modular Homes are similar to homes built on-site. There is no tag / serial number, and they do not need to be renewed annually. Modular homes are often delivered in sections. In many cases, Modular homes look more like traditional stick-built homes. Modular homes also use standard homeowner insurance policies.

Please contact us for your free no-obligation quote or if you have any questions regarding Insurance for your home in Georgia.