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Mobile Home Insurance in Florida

Do you own a mobile home in Florida? Are you confused whether not you can purchase mobile home insurance in Florida? Let’s clear up this confusion! Here’s everything you need to know about insuring your mobile home.

A mobile home is perfect for Florida. This is due to the affordability and warmer weather the Sunshine State provides. Actually, 1 in every 3 homes built in Florida is a mobile or manufactured home. Before buying a mobile home, it is important you understand all the details.

Can I get mobile or moble home insurance in Florida? The answer is obviously yes, you can. Before purchasing a policy, you need to understand what is covered by this type of policy. Details of your policy will vary based on the company that you choose.


What does mobile home insurance in Florida cover?

If you google “mobile home insurance in Florida” you will determine that it covers:

  • Your Structure
  • Personal Property
  • Personal Liability

First, the structure of your home will be covered by your policy. This is a standard coverage type. It will cover your home along with any structures that are located on your property such as a shed or carport. Your structure will be covered by perils such as lightning, wind, and fire.

Your personal property, also known as your belongings are also covered. A basic policy can provide you with this type of coverage. An example of what will be covered is your furniture, clothing, and electronics. Personal Liability will cover any liability if an accident were to happen on your property. There’s always a chance of an accident happening. So it’s important that you are covered. There are some things that mobil home insurance in Florida won’t cover. For example, flooding is not covered. Always make sure that you look into optional coverage to make sure your home is completely covered.

Manufactured home insurance Florida is important to purchase due to Florida’s crazy weather. As you may already know, Florida is prone to hurricanes and tropical storms each year. No home is safe from damages. You will need a policy in order to protect your home and yourself 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 that is transferred in pieces. Then once it arrives at the building site, contractors then put the pieces together. These homes are usually built on a permanent foundation. A mobile/manufactured home is completely constructed in a factory and has a permanent chassis. They are usually towed directly to the building site and aren’t attached to a permanent foundation. If you own a modular home, then you should get a quote for a standard home insurance policy.


Who can provide me with mobile home coverage in FL?

Mobile home insurance in Florida is offered by a variety of providers. You can get the policy you 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 the financial stability of your mobile home policy in Florida company is very important. Especially due to the constant perils FL faces each year. A large scale disaster can easily affect a company’s ability to pay claims.

If you are ready to insure your mobile home in Florida, start by collecting a quote here with us! Not only do we provide you with mobile home insurance in Florida, but we also have all the right tools and resources to get you signed up with the right policy today. Go ahead and get started by collecting a quote here!

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