Florida Mobile Home Insurance

What is the difference between site-built home insurance and mobile home insurance?

Insurance companies treat mobile homes and site-built homes differently because of variations in construction and materials, as well as the value of the structures over time. Site-built homes are built on-site, onto a foundation; mobile homes, or manufactured homes, are built in a factory and then transported to the location. 

Mobile or manufactured homes typically cost less than traditional site-built homes. And mobile homes actually lose value over time, unlike most site-built homes. One might then expect lower insurance costs for mobile homes, but this is not always the case. Sometimes, mobile home insurance costs just as much as site-built home insurance. This is because mobile homes have greater exposure to damage due to fire, theft, vandalism, and weather-related incidents or natural disasters. Even modern manufactured homes that are stronger than older models come with increased risks. 

Get Mobile Home Insurance

Our independent agents shop around to find you the best coverage.

Request a quote

What types of risks do mobile homes face?

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.

• Mobile homes are constructed of materials that may allow fire to spread more quickly, thus causing greater damage.
• Mobile homes are lighter weight and more susceptible to wind damage.
• Mobile homes may have less effective insulation, leading to an increased risk for frozen pipes and resulting in damage.
• Sometimes mobile homes are located in higher crime areas, making them more susceptible to theft and other property crimes.
• Mobile homes may experience costly structural integrity problems after transport.
• General health and safety risks are greater for mobile homeowners than traditional homeowners.

Any insurance company you work with will carefully evaluate the risks you face in your mobile home when they price a policy. 

What does Florida mobile home insurance cover?

Pays for property damage after a natural disaster or fire

Example: Strong winds cause a nearby tree to fall on your mobile home.

Pays for repairs to your belongings

Example: Someone breaks into your mobile home and steals your brand-new TV.

Pays for a lawsuit if someone is injured in your mobile home

Example: One of your guests trips on a rug and breaks an arm after the fall. Like standard homeowners insurance, most mobile home insurance policies will not cover flood damage. If you live in a flood-prone area, be sure to talk to your agent about obtaining flood insurance in addition to your mobile home insurance. Whether or not you own the land on which your home sits affects the value of your manufactured or mobile home and its insurability. If you do not own the land, be sure that the landowner has appropriate coverage. 

What affects mobile home insurance rates in Florida?

Florida mobile home insurance rates are affected by a variety of factors.

• Where you live. Locations with higher land values, higher incidents of severe storms or wildfires, or more crime will typically have higher mobile home insurance rates. 
• Your home’s value. A single-wide home in a Florida mobile home park, for example, will likely cost less to insure than a double-wide home on private land that you own. 
• The age of your home. Older mobile homes can be difficult and costly to insure because of the inherent risks for damage.
• The liability coverage you need.
• 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 will lower your insurance rates somewhat. Lower deductibles can mean even greater peace of mind but will increase what you pay for Florida mobile home insurance premiums.

Insurance for Everyone.

Request a Quote

12,427- Agents in Florida are ready to help.
183,628 - Florida residents have already been helped by one of our agents.

Find the Best Mobile Home Insurance in Your City

Full analysis of PROPERTY CRIME RATES and WEATHER in your city.

Fort Myers

Property crimes and the weather affect how much you will pay for Fort Myers mobile home insurance. Fort Myers has an average property crime rate, which is great news for mobile or manufactured homeowners. But weather events are a great concern. This city has a higher-than-average risk for natural disasters and other weather events, including hurricanes, tropical storms, and fires. Fort Myers mobile home insurance rates will be higher to reflect these increased risks. Be sure to check your Florida mobile home insurance policy for specific exclusions related to certain weather events to be sure that you have the coverage you need. Here are some city factors that will affect your rate:

Property Crime Rate
1 in 32 People experience property crime in Fort Myers

Mobile home insurance costs more in cities with more property crime. The property crime rate in Fort Myers is near the national average.

Weather

1| HURRICANES
2| TROPICAL STORMS
3| FIRES

Simply put, a higher risk of natural disasters increases the cost of mobile home insurance. Fort Myers has a high risk of natural disasters. 

Gainesville

Property crimes are a significant driver of mobile home insurance claims. Gainesville has a higher-than-average number of property crimes, which may increase what you pay for mobile home insurance. Weather-related incidents in Gainesville are common, but near the national average. Gainesville mobile homeowners may experience fires, tropical storms, hurricanes and tornadoes, which can seriously damage or even destroy a mobile home. You can expect to pay more for mobile home insurance in Gainesville than in other parts of the United States because of this. 

Property Crime Rate
1 in 25 People experience property crime in Gainesville

Higher rates of property crime increase the cost of mobile home insurance. Gainesville’s crime rate is higher than the national average. 

Weather

1| FIRES
2| HURRICANES
3| TROPICAL STORMS

Gainesville has an average number of natural disasters. Fires, hurricanes and tropical storms can cause extensive and costly damage to mobile homes. 

Insurance for Everyone.

Request a Quote

North Port

North Port is a safe city, with a higher risk for natural disasters than most of the United States. Floridians know that tropical storms, hurricanes, wildfires, tornadoes — and the damaging wind, hail, and rain that come with these events — are a fact of life in their state. The lower rates of property crime in North Port relative to other nearby communities may help to keep mobile home insurance rates lower in North Port than elsewhere in Florida. Here are some city factors that will affect your rate:

Property Crime Rate
1 in 72 People experience property crime in North Port

Property crimes in North Port are fairly rare. Mobile home insurance rates may be somewhat lower than in other nearby communities. 

Weather

1| HURRICANES
2| TROPICAL STORMS
3| FIRES

Severe weather and natural disasters are more common in North Port than in the rest of the United States. However, the occurrence of natural disasters in North Port is similar to the occurrence in the entire state of Florida. While mobile home insurance may cost more in North Port and all of Florida for this reason, weather is not significantly worse in North Port than in the rest of the state. 

Oviedo

While Oviedo residents face a high risk for natural disasters and serious weather events, the low rate of property crime in the community may help to stabilize the cost of mobile home insurance. Fires, tornadoes, and hurricanes are all serious events that can cause major property damage to mobile homes. Here are some city factors that will affect your rate:

Property Crime Rate
1 in 88 People experience property crime in Oviedo

Lower property crime rates keep mobile home insurance costs down. Residents of safer communities are less likely to file insurance claims for theft, vandalism or other property crimes. 

Weather

1| HURRICANES
2| FIRES
3| TROPICAL STORMS

Hurricanes, fires and tropical storms are more common in Oviedo. These events can cause serious damage to mobile homes. Insurance in this city may cost more.

Insurance for Everyone.

Request a Quote

Pembroke Pines

Mobile home insurance in Pembroke Pines may cost more than in other safer communities. While the property crime rate is average compared with the rest of the United States, the likelihood of experiencing a major storm or natural disaster is high. Mobile home residents of Pembroke Pines can expect to pay more for their mobile home insurance relative to other communities in Florida and the U.S. 

Here are some city factors that will affect your rate:

Property Crime Rate
1 in 45 People experience property crime in Pembroke Pines

Higher rates of property crime increase the cost of mobile home insurance. The property crime rate in Pembroke Pines is similar to the rate in the rest of the U.S.

Weather

1| HURRICANES
2| FIRES
3| FLOODS

Natural disasters and damaging weather events are more prevalent in Pembroke Pines than in the rest of the U.S. These events can cause serious damage to mobile homes and increase the cost of mobile home insurance.