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What is the deal with mobile home insurance in Florida?

Lots of people own mobile homes in Florida. Nevertheless, in addition, people are unsure whether not anyone can purchase mobile home insurance in Florida. Therefore, let us clarify this confusion. Here is everything shoppers need to know about insuring a mobile home. A mobile home is perfect for Florida. For example, it is ideal because of the affordability and warmer weather the Sunshine State provides. One in every three houses built in Florida is a mobile or manufactured home. However, before buying a mobile home, they must understand everything.

Can anyone get mobile or mobile home insurance in Florida? The answer is obviously yes; they can. However, before purchasing a policy, they need to understand what insurance covers with this type of policy. Furthermore, the policy details will vary based on the company they choose.


What does mobile home insurance in Florida cover?

If someone Googles “mobile home insurance in Florida,” it will determine that it covers:

  • The Structure
  • Personal Property
  • Personal Liability

First, the policy covers the structure of the home. Structure insurance is a standard coverage type. It will protect the home and any buildings located on the property. For example, it will cover a shed or carport. In addition, structure insurance covers the house from perils such as lightning, wind, and fire.

Personal property, which agents also call belongings, is also covered. Some examples are furniture, clothing, and electronics. In addition, personal Liability would cover any liability if an accident happened on the property. 

There is always a chance of an accident occurring. So it would be best if they were covered. Unfortunately, there are some things that mobile home insurance in Florida will not cover. For example, mobile home insurance in Florida does not cover flooding. Therefore, they consider optional coverage to ensure the carrier covers the home completely.

Manufactured home insurance Florida must purchase due to Florida’s crazy weather. As they may already know, Florida is prone to hurricanes and tropical storms yearly. No home is safe from damage. Customers will need the policy to protect the family financially.


There are two types of mobile homes.

There are two primary types of mobile homes. These types consist of Modular homes and Mobile/Manufactured homes. First, a modular home is a pre-built home transferred in pieces. Once it arrives at the building site, contractors put the pieces together. Contractors may use a permanent foundation when setting up a mobile home. Workers construct a manufactured home in a factory with a permanent chassis. They are usually towed directly to the building site and are not attached to a permanent foundation. If they own a modular home, they should get a quote for a standard home insurance policy.


Who can provide shoppers with mobile home coverage in Florida?

A variety of providers offer mobile home insurance in Florida. Anyone can get the policy they need through several companies directly or through their third-party affiliates. Here are a few companies that currently offer this type of coverage:

  • Citizens Property Insurance
  • Heritage Property and Casualty
  • American Traditions Insurance
  • Southern Oak Insurance
  • Florida Specialty Insurance Company

Remember that the financial stability of the company is critical. Primarily due to the constant perils Florida faces each year. A large-scale disaster can easily affect a company’s ability to pay claims. So if they are ready to protect the mobile home in Florida, start collecting a quote with us. We provide shoppers with mobile home insurance in Florida. In addition, we can also get them signed up today. So go ahead and get started by collecting a quote.

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