Florida Mobile Home & Manufactured Home Insurance

Mobile and manufactured homes in Florida sit in a different insurance category than site-built houses — the underwriting turns on year built, location, and tie-down compliance. Pre-1976 trailers, post-HUD-code single- and double-wides, and modular homes on permanent foundations each get quoted differently. We work the carriers active in this segment and walk owners through wind-mitigation inspections that often pay back the inspection cost in discounts within a year.

Get Your Free Mobile Home Insurance Quote

Mobile and manufactured homes in Florida — pre-1976 trailers, HUD-code post-'76 single-wides and double-wides, modular homes on permanent foundation — each sit in a different underwriting bucket. Florida First Insurance of Broward writes mobile-home and manufactured-home policies with carriers that look at year built (the dividing line is usually 1976 for HUD code, and 1994 for wind-zone certified construction), tie-down compliance, and whether the home is on owned land or rented lot in a park.

The wind-mitigation inspection on a manufactured home checks roof shape, roof-to-wall connection, opening protection, and the foundation tie-down system. A modest inspection investment often pays back in lower premium for several years running. Older units in coastal counties may need surplus-lines placement; newer units on owned interior land typically qualify for admitted markets. Park-placed units may require additional disclosures about the lot agreement.

Mobile-home coverage binds across Broward, Miami-Dade, and Palm Beach in the south; Collier and Lee on the Gulf coast; Sarasota, Manatee, and Hillsborough on the Suncoast; Pinellas and Pasco around Tampa Bay; Polk, Orange, and Seminole through central Florida; Brevard and Volusia on the Atlantic side; Marion, Alachua, and Duval through the gateway region; and Leon and Escambia in the Panhandle.

Manufactured-home quotes are placed for owners in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Mobile Home Insurance Cover?

Dwelling Coverage — Covers the structure of your mobile/manufactured home including walls, roof, and attached fixtures from covered perils.
Personal Property — Covers your furniture, electronics, clothing, and other belongings inside the home.
Liability Protection — Protects you if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses — Covers temporary housing and living costs if your home becomes uninhabitable due to a covered loss.