Florida Mobile Home Insurance

Find the Best Mobile Home Insurance Options in Florida

As of last year, Florida had a reported 850,000 manufactured homes. If you own a mobile or manufactured home, protecting it with Florida mobile home insurance can help you prevent potential huge financial losses due to damage caused by hurricanes, lightning, vandalism, and more. Not every insurance company sells mobile home insurance, but coverage is still available across the state.

A Florida independent insurance agent knows where to find you the best mobile home insurance in your area. Working together with an independent insurance agent is always a wise decision when you're ready to get the coverage you need. But until then, here's a breakdown of mobile home insurance in Florida. 

How Much Does Mobile Home Insurance Cost in Florida?

The average cost of mobile home insurance is $1,392 per year if your policy includes wind coverage. This breaks down to about $116 per month. 

However, you can also choose a much cheaper policy that doesn't include wind coverage for an average of only $372 per year. This is only about $31 per month.

Choose wisely when deciding whether to get a mobile home insurance policy with or without wind coverage. If you're unsure of which type of coverage would be best for you, ask a local Florida independent insurance agent. They'll know exactly which type of mobile home insurance to recommend based on where you live and the type of mobile home you have.  

What Factors Impact Mobile Home Insurance Rates in Florida?

The cost of your mobile home insurance policy may vary depending on a number of different factors. The specific city you live in, for example, can impact the cost of mobile home insurance due to that area's storm risk, crime rates, property values, and more. So, you might end up paying considerably more or less for your mobile home insurance than the average rates listed above.

Florida mobile home insurance rates are affected by a variety of factors, including:

• Where you live: Locations with higher land values, higher incidents of severe storms or wildfires, or higher average crime rates typically have higher mobile home insurance rates. 
• Your mobile home’s value: A single-wide home in a Florida mobile home park likely costs less to insure than a double-wide home on private land that you own. 
• The age of your mobile home: Older mobile homes can be difficult and costly to insure because of the inherent risks of damage.
• The liability coverage you need: If you need more coverage, you'll pay more for your policy overall.
• Your personal property coverage: The more personal property coverage you need, the more expensive your Florida mobile home insurance will be. 
• Your deductible: Choosing a higher deductible can lower your insurance premium rates. 

Your Florida independent insurance agent can help provide you with exact quotes for mobile home insurance in your area.

What Does Florida Mobile Home Insurance Cover?

Getting insurance for a mobile or manufactured home differs from getting coverage for a traditional single-family home. Mobile and manufactured homes differ from traditional homes since they're manufactured off-site and then strapped to a foundation or set of piers at the home site. As a result, mobile and manufactured homes need different coverage than traditional site-built homes. 

That said, the major components included in a standard mobile home insurance policy are the same as a standard homeowners insurance policy. Mobile home insurance includes these coverages:

• Liability coverage: This can pay for the cost of your legal defense in case of a lawsuit related to bodily injury or personal property damage to a third party.
• Structural coverage: This can pay for the cost of repairing or rebuilding your home after a covered disaster like a fire, lightning strike, or vandalism.
• Contents coverage: This can pay to repair or replace your personal property like clothing and furniture if it gets stolen, damaged, or destroyed due to a covered disaster like a fire.

Your Florida independent insurance agent can help you build a mobile home insurance policy that includes all the coverage you need in each category.

Additional Mobile Home Insurance Coverage in Florida

You might need more coverage beyond what's provided by a standard mobile home insurance policy in Florida. Be sure to review your policy's exclusions up front so you can get the extra coverage you may need before an incident impacts your property.

Here are a couple of additional coverages you may need:

• Additional valuables: Valuable property like jewelry, art, collectibles, or electronics might require additional coverage beyond just higher limits. You might need to add a separate rider or floater to your policy to have all the coverage you need for jewelry and other valuables.
• Flooding disasters: Natural sources of flooding, such as hurricanes, are not covered by Florida mobile home insurance. Since the state is prone to hurricanes in many areas, you might greatly benefit from adding a separate flood insurance policy. 

Your Florida independent insurance agent can help you get equipped with any extra coverage you need.

What Isn’t Covered by Mobile Home Insurance in Florida?

Your mobile home insurance policy in Florida comes with certain listed exclusions that you need to be aware of. When an exclusion is listed on your policy, you won't get any reimbursement from your mobile home insurance company if that disaster impacts your property. 

Here are some disasters usually not covered by Florida mobile home insurance:

• Wear and tear of the mobile home
• Insect or animal infestation
• Earthquakes
• Flooding from the outside
• In-transit accidents
• Malicious acts against others by the homeowner

As stated above, you need separate flood insurance to protect your Florida mobile home against natural flooding disasters. You might also need separate earthquake insurance to protect your Florida mobile home against damage from this type of natural disaster.

What Types of Risks Do Mobile Homes Face in Florida? 

While all homeowners must be concerned about damage caused by weather, fire, and theft, mobile homeowners are even more susceptible to damage from these types of events. A few common reasons that mobile homeowners may experience damage to their homes more often than other homeowners include:

• The construction of mobile homes: Mobile homes are constructed of materials that may allow fire to spread more quickly, thus potentially causing greater damage.
• The weight of mobile homes: Mobile homes weigh less than single-family homes and are more susceptible to wind damage.
• The insulation in mobile homes: Mobile homes may have less effective insulation, leading to an increased risk of frozen pipes and related damage.
• The risk of property crimes: Sometimes, mobile homes are located in higher crime areas, making them more susceptible to theft, vandalism, and other property crimes.
• The structural integrity of the property: Mobile homes may experience costly structural integrity problems after transport.

A Florida independent insurance agent can carefully evaluate the risks you face in your mobile home when they shop and compare mobile home insurance policies for you. 

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What Are the Best Mobile Home Insurance Companies in Florida?

Mobile home insurance is available from many different carriers in Florida. However, you're looking for coverage that combines the best overall blend of coverage and cost. 

Though you can easily work together with an independent insurance agent in Florida to find the coverage you need, we're also hoping to save you time on your coverage journey upfront. Here are some of Florida's best mobile home insurance companies to start you off.

• Foremost: A mobile home insurance policy with wind coverage in Florida will cost you about $137.50 per month or $1,650 per year from Foremost. However, a policy without wind coverage will cost you an average of just $344 annually, or about $28.67 per month. Foremost has excellent financial strength and Better Business Bureau (BBB) ratings and offers 24/7 claims reporting.
• Citizens: The average annual cost of a Florida mobile home insurance policy with wind coverage from Citizens is about $1,355, which breaks down to about $112.92 monthly. But a policy without wind coverage costs an average of only $283 annually or about $23.58 monthly. Citizens also has excellent ratings from both AM Best and the BBB.
• American Traditions: A Florida mobile home insurance policy with wind coverage from American Traditions is the cheapest option in the state that we found, at an average of just $1,149 per year or $95.75 per month. However, the cost of the carrier's mobile home insurance without wind coverage is slightly higher than others, at an average of $489 annually or $40.75 monthly. American Traditions has an excellent rating from the BBB.

Your Florida independent insurance agent can help you find high-quality mobile home insurance from one of these top-rated carriers.

Florida Mobile Home Insurance Discounts

Even if you find the cheapest policy available, you can save even more money on your mobile home insurance in Florida with discounts. Note, though, that the mobile home insurance discounts offered in Florida vary by insurance company and your eligibility. Most Florida mobile home insurance companies offer these common discounts on coverage:

• Having continuous coverage for more than three years discounts
• Claims-free discounts
• Mobile home as a primary residence discounts
• Mobile park discounts
• Smart home protective device discounts
• Mobile homeowners over 50 years of age discounts
• Electronic policy discounts

Your Florida independent insurance agent will help you find and apply any mobile home insurance discounts you qualify for.

Mobile Home vs. Manufactured Home vs. Modular Home

Before getting insurance, you should be aware of the differences between mobile homes, manufactured homes, and modular homes. One of the major defining factors is the year when the homes were produced. Mobile homes consist of fabricated homes that were built on or before June 15, 1976. 

After June 15, 1976, the Department of Housing and Urban Development (HUD) enforced certain standards. Properties that had previously been classified as mobile homes were now classified as manufactured homes. 

Finally, modular homes are properties that are constructed entirely off-site and then transported to the location where builders finish by installing the homes into the foundation. Here's a quick breakdown of each type of property:

• Mobile homes: These are homes built before the second half of 1976 that don't adhere to the HUD's standards. Mobile homes are usually on wheels and can be transported or driven to the end location the homeowner desires.
• Manufactured homes: These are similar to mobile homes, with the major difference of having been built after the second half of 1976. These homes do adhere to the standards set by the HUD.
• Modular homes: Homes constructed in sections called "modules" entirely off-site, typically indoors, are classified as modular. The homes are later transported to their final location, where the builders finish assembly and install them into the area's foundation. 

When you know for sure which type of property your home is classified as, getting the right kind of insurance can be much easier. 

How to Get a Florida Mobile Home Insurance Quote 

Working with a Florida independent insurance agent is a great way to ensure you're getting the correct coverage for your home at the best available cost. Your independent insurance agent will help you find a policy that offers the best combination of protection for your mobile or manufactured home. They can shop and compare policies from multiple local carriers for you and ultimately provide you with only the best results.

Florida Mobile Home Insurance FAQs