Mobile Home Insurance in Georgia – Protection That Moves With You

Reliable, flexible coverage for your manufactured or modular home.

At The Elkins Agency, we help protect mobile homes across Georgia with policies that are smart, affordable, and easy to understand. Whether your home is in a mobile home park, rural land, or a leased lot, we’ll make sure you have coverage that fits — from weather damage to liability protection and everything in between.

What Your Mobile Home Insurance Policy Should Cover

We break down the essential parts of mobile home insurance — so you know exactly what you’re paying for.

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Dwelling Coverage

Protects the structure of your mobile or manufactured home against risks like fire, wind, hail, and vandalism.

Personal Property Coverage

Covers your belongings — furniture, clothing, appliances — if they’re damaged or stolen.

Liability Protection

Helps cover costs for major surgeries, prescription meds, diagnostic tests, and more.

Loss of Use

Pays for temporary living expenses if your mobile home becomes uninhabitable due to a covered loss.

Optional Add-Ons

Ask us about trip collision coverage, flood insurance, and protection for detached structures like sheds or decks.

Add-Ons That Matter

Enhance your coverage with protection that many Georgia mobile homeowners choose:

Flood Insurance

Most mobile homes are not protected from flood damage by default.

Trip Collision Coverage

For homes in transit or being relocated.

Sewer/Drain Backup

Covers damages from water backup — a common risk in older parks.

Extended Replacement Cost

Helps account for increased building costs after a total loss.

Why Mobile Home Insurance Matters in Atlanta, GA 

Not All Mobile Home Policies Are the Same — We Help You Choose One That Works

Mobile homes face different risks than traditional homes — and not all insurance carriers cover them the same way. At The Elkins Agency, we’ll walk you through every option, explain what’s excluded, and make sure your home and belongings are properly protected.

Why Choose Us for Mobile Home Insurance

We make the process simple — and actually explain what your coverage does.

  • Compare Top Carriers

    We work with insurers that specialize in manufactured and modular home coverage — including hard-to-insure or older homes.

  • Fast, Friendly Help

    No long forms or corporate hold times. Get real support from a Georgia-based agent.

  • Claims Support When It Counts

    If you ever need to file a claim, we’re here to guide you — not disappear.

  • We Know Georgia

    Whether your home’s in Snellville, rural Georgia, or a mobile home park near Atlanta, we understand the local risks and regulations.

FAQs About Mobile Home Insurance

  • Is mobile home insurance required in Georgia?

    It’s not required by state law, but most lenders and parks do require it. Even if not required, it’s highly recommended to protect your investment.

  • Can I get coverage for an older mobile home?

    Yes. While some carriers limit older homes, we work with insurers that accept homes built in the 1970s, 80s, or 90s — depending on condition and updates.

  • Does mobile home insurance cover storms or tornadoes?

    Yes, most standard policies in Georgia include wind, hail, and storm damage. We’ll confirm exactly what’s included — and what needs to be added.

  • Is there a difference between modular and manufactured home insurance?

    Yes — modular homes may be insured like traditional homes, while manufactured homes usually require a mobile home-specific policy. We’ll help you get the right type of coverage.

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Let’s Protect Your Mobile Home

Whether you live in a mobile home year-round or seasonally, The Elkins Agency is here to help. Let’s make sure your home, belongings, and peace of mind are protected.