Mobile & Manufactured Home Insurance in Georgia and Alabama

We write mobile home insurance across Georgia and Alabama as an independent agency, which means we shop your home to the carriers who will actually consider it instead of handing back one decline because of its age.


Tell us the year, the roof and where it sits, and we will go to work.

Get a Mobile Home Quote
Heavy traffic jam on a multi-lane road, with rows of cars stopped or moving slowly.

A manufactured home is not covered by a standard homeowners policy

A manufactured or mobile home is built and titled differently than a site-built house, and it is insured on its own policy form. If you were quoted a standard homeowners policy on a single-wide or a double-wide, something is off. The right form accounts for how the home is constructed, how it is anchored, and how it holds value over time.


That distinction matters most at claim time, which is the wrong moment to find out the form was wrong. If you own a site-built house instead, our homeowners insurance page is the place to start.

Older mobile home insurance, including single- and double-wides from the 1990s

Most of the calls we get on this line start the same way. Somebody has a home from 1994 or 2001, they have called two or three places, and every one of them either stopped returning calls or said the home was too old to write. That is a carrier appetite problem, not a verdict on your home.


Because we are independent, we are not limited to one company's underwriting box. When one carrier passes on an older unit, we take the same information to the next one that writes them. A well-anchored double-wide with a sound roof is often insurable when the search is done by someone who knows which carriers still want that business.


We will tell you honestly where a home stands, and if a roof or a tie-down repair is what stands between you and a policy, we will say that too.

What underwriters ask before they write a mobile home

Three people standing on a gravel path facing a modern gray house with a wooden porch.

You can tell a lot about your own odds before you ever pick up the phone. These are the details that come up on nearly every submission:

  • Year built, and whether the home was manufactured before or after the 1976 HUD code took effect.
  • Roof age, material and condition, including any patching or prior leaks.
  • How the home is anchored and tied down, and whether it is skirted.
  • Primary heat source, along with any wood stove or space heater in use.
  • Whether the home is your primary residence, a second home, or rented to a tenant.
  • Whether it sits on land you own or on a rented lot in a park.
  • Square footage, make and model, and any additions like a carport, deck or screen room.


Every carrier weighs these differently, and cutoffs change from one year to the next. Rather than guess, bring us what you know and we will work it out with the carriers directly.

What a mobile home policy actually pays for

Coverage on a manufactured home is built in pieces, and it helps to see them separately:

  • The home itself, for damage from covered causes like fire, wind, hail, lightning and falling trees.
  • Attached and detached structures on the lot, including carports, decks, steps, sheds and screen rooms.
  • Personal property inside the home, from furniture and appliances to clothes and tools.
  • Personal liability, if someone is hurt on your property or you damage someone else's.
  • Additional living expenses, so you have somewhere to stay if the home is not livable after a claim.


Three details decide what a claim is actually worth, and they are the ones most quotes gloss over:

  • Older homes are frequently written at actual cash value rather than replacement cost, so a claim settles for what the home is worth today with depreciation taken out, not what a new one would cost.
  • Wind and hail often carry their own deductible, higher than the deductible on the rest of the policy, and in south Georgia that is the peril most likely to be used.
  • Flood is never included in a mobile home policy and always requires a separate policy, whatever the home sits on.


We go through all three with you at the desk, so the number on the declarations page is not a surprise later

Covered wooden porch with white railing and gray siding overlooking trees

Bought it used, moved it onto family land, or closing this month?

Manufactured homes change hands here in ways a national quote form does not handle well. The situations we see most often:


  • A used single- or double-wide bought straight from a private seller down the road.
  • A home being moved and set on a corner of family land.
  • A unit being financed, where the lender wants proof of coverage in hand before closing.


If a lender or a dealer needs a binder and evidence of insurance, tell us the closing date and who needs the paperwork, and we will get it to them. If the home is being moved or set, let us know before it goes on the truck so the coverage dates line up with the work.

Douglas, Coffee County and the roads around it

Manufactured housing is a large share of what people live in around here, and we have written it for decades. We are two blocks off the square at 116 Ashley St E in Douglas, and we insure homes in Pearson, Ambrose, Broxton, Nicholls and Willacoochee along with the rest of Georgia and Alabama.


That local footing shows up in practical ways. We know the wind and hail exposure that comes with an open field, we know which parks and private lots are common in the area, and we know how homes get set on family property here. If you want the full picture of what we write locally, see insurance in Douglas, GA.

Alabama mobile home owners, we are licensed there too

We have written coverage in Alabama for years alongside Georgia, and mobile home insurance is part of that. The underwriting questions are much the same, the carrier appetite differs, and the shopping is the same work either way. If your home is across the line, call us and we will look at it.

An independent agency in Douglas since 1984

Tanner Insurance Agency has been at this since 1984, and ownership has changed hands twice on one standard: the next owner had to have a presence in and a heart for this community. Bruce Purvis was born at Coffee Regional Hospital, came home to run the agency, and is raising his family here.


Being independent is the part that matters on a mobile home. We are not selling one company's product shelf, so we can take your home to a range of carriers and compare what comes back. And if you would rather keep the home and the vehicles in one place, ask us about pairing it with auto insurance when we quote.


You get a person on the phone at (912) 384-0114, Monday through Friday, 8:00 am to 5:00 pm, closed for lunch from 12:00 to 1:00.

Questions we hear about insuring a manufactured home

  • Can you insure a 30 year old mobile home?

    Often, yes. Age alone does not disqualify a home, and we regularly place coverage on single- and double-wides from the 1990s. What carriers look hardest at is the roof, the anchoring and the general condition, so bring us the year built and a sense of the roof's age and we can tell you quickly where you stand.

  • What does a mobile home insurance policy cover?

    A mobile home policy covers the home itself, attached and detached structures like carports and decks, the personal property inside, personal liability if someone is injured on your lot, and additional living expenses if the home cannot be lived in after a claim. Covered causes typically include fire, wind, hail, lightning and falling trees. Flood is not included and requires a separate policy.

  • Does mobile home insurance cover wind and hail damage?

    Wind and hail are normally covered perils on a manufactured home policy, but they frequently carry their own deductible that is higher than the deductible on the rest of the policy, sometimes set as a percentage of the home's insured value. In south Georgia that is the coverage most likely to be used, so we go over that deductible with you before you bind.

  • Is the coverage different if my home is on a rented lot instead of land I own?

    It can be. On a rented lot in a park you are insuring the home, your belongings and your liability, but not the land, and the park may have its own insurance requirements you have to meet. On land you own, the policy can also take in outbuildings and other structures on the property. Tell us which situation you are in and we will quote it correctly the first time.

  • What does my lender need before I can close on a manufactured home?

    Lenders generally want evidence of insurance, sometimes called a binder, showing coverage effective on or before the closing date with the lender listed as mortgagee or loss payee. Give us the closing date, the lender's name and mailing information, and details on the home, and we will send the paperwork where it needs to go.

  • How much does mobile home insurance cost in Georgia?

    Price depends on the home's age and size, the roof, where it is located, whether it is a primary residence, and the deductibles you choose, so there is no single figure worth quoting. Because we shop several carriers on the same set of information, you can see the difference side by side instead of taking one company's number on faith.

Black-and-white icon of a small house or cabin on wheels with a porch and windows.

Bring us the year and the roof, and we will start shopping

If you own a mobile or manufactured home in Coffee County or anywhere in Georgia or Alabama, we can look at it, including the older homes other places have turned away. One conversation is usually enough for us to tell you what is realistic.


Call us at (912) 384-0114 or send the quote form and we will take it from there.