Quick answer
Mobile and manufactured home insurance covers the home, your belongings, liability and living costs after a covered loss, with wind priced around the home's tie-downs, age and location. Many standard Florida carriers decline older manufactured homes, so specialist carriers are often the best fit. Flood isn't included. Expect questions about the year built, the HUD label and whether the home is on owned or rented land.
Coverage Overview
Mobile and manufactured homes carry different risk factors than site-built homes — different construction standards, different wind exposure, and often a different claims history — so a standard homeowners policy usually isn't built to price or cover them correctly. We place coverage specifically underwritten for manufactured housing, matched to your home's age, tie-down/anchoring system, and construction type.
What a manufactured home policy typically covers
- Dwelling coverage for the structure itself, including additions like carports, sheds, and porches
- Personal property coverage for your belongings inside the home
- Loss of use coverage if the home is uninhabitable after a covered loss
- Liability coverage if someone is injured on your property
- Wind and hurricane coverage, priced around Florida's wind mitigation and tie-down requirements
Carriers that specialize in manufactured housing
We compare manufactured-home specialists including Unique Insurance, Foremost, and Stonegate Insurance Company — carriers built around this housing type rather than a general homeowners book that treats it as an exception. That matters most for older homes, where a specialist is often more willing to write a policy, and price it fairly, than a standard carrier.
Where we place this coverage
Manufactured and mobile home coverage is one of the most requested policies we quote, with real demand from owners in Stuart, Naples, Fort Myers, Sarasota, and across the Tampa Bay area, in addition to Lakeland and the rest of Polk County.
Mobile & Manufactured Home Insurance FAQ
Is "mobile home insurance" different from "manufactured home insurance"?
No — they're the same product under two names. "Mobile home" is the older, informal term; "manufactured home" is the term HUD has used since homes built after June 1976 had to meet federal construction and safety standards. Carriers use both terms interchangeably when quoting.
Does the age of my home affect whether I can get coverage?
It can. Some standard carriers restrict or decline older manufactured homes. That's exactly why we work with carriers like Unique, Foremost, and Stonegate, who write policies specifically for older and manufactured housing stock rather than treating age as an automatic decline.
What affects the cost of mobile home insurance in Florida?
The home's age and construction, its tie-down/anchoring system, roof age and condition, distance to the coast, your county's wind zone, and whether the home has had prior wind or water claims all factor into pricing — part of why comparing multiple manufactured-home carriers usually finds a meaningfully different rate than a single quote would.
Do I need separate wind or hurricane coverage?
In most cases wind coverage is built into the policy rather than sold separately, but the price and terms depend heavily on your home's wind mitigation features. We'll walk through what your home already has and what would lower your premium.
What it usually doesn't cover
- Flood damage. Flood insurance →
- Damage from wear, rot or failed anchoring that wasn't maintained.
- The land, and park-owned structures if you rent your lot.
- Liability above the policy limit. Umbrella insurance →
Every policy is different. Your declarations page and policy form decide what's covered.
Have this ready before you ask for a quote
- Year built and the HUD label or data plate details
- Make, model, length and width
- Tie-down or anchoring information
- Roof type and year replaced
- Whether you own the land or rent a lot in a park
- Additions: carport, screen room, shed, porch
Don't have everything? Send what you have; an agent will ask for the rest. Coverage can't be bound or changed through this website.