Mobile Home Insurance in Florida
Most major insurance companies don't sell mobile home insurance in Florida. Mobile home owners typically have to get coverage from a smaller local or regional company.
Find Cheap Mobile Home Insurance Quotes in Florida
The average cost of mobile home insurance in Florida is $112 per month, or $1,349 per year. Most companies don't offer online quotes, so Floridians usually have to speak with an agent to compare mobile home insurance rates.
Cost of mobile home insurance in Florida
Mobile home insurance in Florida costs $112 per month, on average.
Mobile home insurance quotes in Florida will vary, depending on your home's location, value, age and coverage limit. For example, the average cost of insurance for a mobile home with wind coverage in Florida is $116 per month, while a policy with no wind coverage costs $31 per month, on average.
Mobile home insurance companies in Florida typically offer discounts to homeowners who install wind-resistant features to their homes, which can help lower insurance costs. However, the best way to save money on mobile home insurance is to shop around and compare quotes.
Unfortunately, most of the top mobile home insurance companies in Florida don't offer quotes online, so you'll probably have to contact an agent to buy mobile home insurance.
To save time and money, consider contacting an independent agent in your area. An independent agent can get quotes from multiple companies for you to compare, so you won't have to speak to each company individually.
Mobile home insurers in Florida
Most well-known insurance companies, like State Farm or Allstate, don't sell mobile home insurance in Florida. Mobile home owners in Florida will typically need to buy insurance through a smaller insurance company that specializes in covering Florida homes.
Find Cheap Mobile Home Insurance Quotes in Florida
Foremost, American Modern and Sutton National have the best-rated mobile home insurance in Florida for most people.
All three companies get fewer complaints than average based on their size, according to the National Association of Insurance Commissioners (NAIC). In addition, each company earned a financial strength rating of A- or better from AM Best, which means they have an excellent ability to pay out claims, even in difficult economic times.
Top mobile home insurance companies in Florida
Company |
NAIC score (lower is better)
| Market share |
|---|---|---|
| Foremost | 0.41 | 24% |
| American Traditions | 6.00 | 20% |
| Citizens Property Insurance | 3.65 | 18% |
| Tower Hill | 4.59 | 7% |
| Safe Harbor | 5.88 | 5% |
Do I need mobile home insurance in Florida?
While it's not a legal requirement in Florida, only people who own their mobile home outright and place it on private property will be able to skip mobile home insurance.
If you have a mortgage on your mobile home, your lender will usually require you to have insurance. In addition, mobile home insurance is typically required if you place your home in a mobile home community or park.
Even if you aren't required to buy mobile home insurance, it's a good idea for most homeowners to have insurance coverage. It will help cover the cost to repair or replace your mobile home if it's damaged by fire, wind or another covered event.
What does mobile home insurance in Florida cover?
Mobile home insurance coverage is similar to homeowners insurance coverage.
Both forms of insurance typically provide coverage for your home's structure and your personal belongings, along with liability protection.
Standard mobile home insurance coverage
Dwelling coverage
Personal property coverage
Personal property coverage protects your personal belongings — like furniture, bikes and electronics — from theft or damage. Your property is protected whether the damage happens inside or outside of your mobile home.
Other structures coverage
Other structures coverage provides protection for structures that are on the same lot as your mobile home but not attached to it, like a detached shed or carport.
Liability protection
Personal liability coverage helps pay for medical bills and legal costs if you accidentally hurt someone or damage their property.
Additional living expense coverage
Additional living expense coverage helps pay for you to live elsewhere if your mobile home is damaged to the point that you can't live in it while repairs are being made. This can include a hotel stay, moving expenses and meals if your temporary home doesn't have a kitchen.
Mobile home owners can usually customize their policies with extra coverage, or endorsements, for an extra cost. This could include extra coverage for expensive jewelry or sports equipment, identity theft protection or water damage due to a sewer backup.
Extra coverage recommended for Florida mobile home owners
Florida has the most hurricanes of all states in the U.S., so residents should be prepared to deal with flood and wind damage to their homes.
Flood insurance for Florida mobile homes
A typical mobile home insurance policy doesn't include any protection against flood damage. Florida residents should consider purchasing flood insurance to help cover the cost of storm damage.
It's also important for Florida mobile home owners to understand their policy's wind coverage. According to Florida law, home insurance policies must cover wind damage from a storm that's declared a hurricane by the National Hurricane Center.
However, your insurance company can exclude wind damage that's not caused by a named hurricane. About 4% of mobile home insurance policies in Florida don't include wind coverage. These homeowners should consider buying a separate windstorm insurance policy.
In addition, your mobile home insurance may have a higher deductible for damage caused by a named storm, which means you'll have to pay more yourself to repair your home after a hurricane or tropical storm.
Frequently asked questions
How much is mobile home insurance in Florida?
The average cost of mobile home insurance in Florida is $112 per month, or $1,349 per year. However, your rate may vary based on the size and age of your home, your insurance history, your proximity to the coast and a number of other factors.
Is it hard to get insurance on a mobile home in Florida?
It can be hard to get mobile home insurance in Florida, depending on the age of your home and how close you are to the coast. Although most major insurance companies, like State Farm and Geico, don't offer mobile home insurance in Florida, residents can usually get coverage from smaller companies.
If you're unable to buy a policy from a private company, you should consider Citizens Property Insurance, which is a state-run company that provides home insurance to Floridians that can't get coverage elsewhere.
Why is mobile home insurance so expensive in Florida?
Mobile home insurance is expensive in Florida because it's a coastal state that experiences frequent hurricanes. In addition, mobile homes are more likely to be damaged by the elements, like wind and hail, than traditional homes, making them more expensive to insure.
What insurance company has the best mobile home insurance in Florida?
American Modern, Foremost and Sutton National have the highest customer satisfaction among Florida mobile home insurance companies, according to the National Association of Insurance Commissioners (NAIC). All three companies also have solid financial strength ratings from AM Best, which means they should be able to pay out claims, even in difficult economic situations.
Methodology
To find the average cost of mobile home insurance in Florida, we used data provided by the Florida Office of Insurance Regulation.