Manufactured Home Insurance Quotes In Florida

What Is Manufactured Home Insurance?

Manufactured home insurance (also known as mobile home insurance) is designed to cover homes built off-site and transported to their final location. Similar to traditional homeowners insurance, it offers coverage for the structure, personal belongings, and liability, but it’s tailored for the specific risks associated with manufactured housing.

What Does Manufactured Home Insurance Cover in Florida?

A typical Florida manufactured home insurance policy includes:

1. Dwelling Coverage

✔ Pays to repair or rebuild your mobile/manufactured home due to damage from fire, wind, lightning, vandalism, or other covered events.
✔ Optional upgrades available for attached structures like carports, decks, or sheds.

2. Personal Property Coverage

✔ Covers your belongings such as furniture, appliances, electronics, and clothing if they are damaged or stolen.

3. Liability Protection

✔ Protects you financially if someone is injured on your property or if you’re held responsible for property damage.

4. Additional Living Expenses

✔ Covers hotel stays and temporary living costs if your home is uninhabitable due to a covered event.

5. Optional Add-Ons

✔ Flood insurance – Crucial in flood-prone areas of Florida
✔ Replacement Cost Coverage – Pays to replace damaged items at today’s prices
✔ Trip Collision Coverage – If your home is being moved, this covers potential damages during transit

Why You Need Manufactured Home Insurance in Florida

Florida’s tropical climate increases the risk of hurricanes, high winds, and flooding—events that can cause serious damage to manufactured homes. Many park communities also require proof of insurance. Having a reliable manufactured home policy ensures you’re protected from unexpected costs and helps you get back on your feet faster after a loss.

How Much Does Manufactured Home Insurance Cost in Florida?

Your premium is based on several factors:
✔ Location and proximity to the coast
✔ Year, make, and model of your home
✔ Whether the home is anchored or on a permanent foundation
✔ Claims history and coverage limits
✔ Selected deductibles and optional coverages

At Florida Best Quote, we compare quotes from top-rated mobile home insurers to find the best policy that fits your needs and budget.

Get a Free Quote for Manufactured Home Insurance in Florida

Protect your home and everything in it—whether it’s your primary residence or a seasonal property. Contact Florida Best Quote today for expert guidance and a free manufactured home insurance quote tailored to your location and lifestyle.