Mobile home insurance in Florida

As a homeowner in Florida, you know insurance is important. Everyone living in Miami to the panhandle has seen the destruction a hurricane can cause a community. Protecting your mobile home is a must. 

Why choose Kin?

Historically, mobile homeowners in Florida have been overlooked. Only a handful of insurers offer mobile home coverage, and when they do, the price is typically steep. 

We’re changing that. 

Our carrier partners have developed our  Florida mobile home insurance that’s designed to cover our home’s actual risks, not a general assessment for a particular area. The result? The average homeowner who switches with Kin saves $700 per year (or more!).*

What does Florida mobile home insurance cover?

In Florida, mobile home insurance can cover more than just your home. A typical policy – without added coverages – usually covers:

• Your dwelling.
• Your belongings, like your clothing, furniture, appliances, and more.
• Other structures on your property, like your garage, fence, shed, etc.
• Loss of use expenses when a covered claim forces you to temporarily relocate.
• Personal liability to help pay for legal expenses when you accidentally damage someone’s property.
• Medical expense payments to help pay for small injuries guests experience on your property.

The types of damage your policy covers depends on your insurer. Our policies cover all risks except for those explicitly excluded by the policy. That means your mobile home has coverage for damage or losses caused by:

• Fire
• Vandalism
• Wind
• Hurricane and named-storm wind
• Theft
• And more

Can I get insurance for older mobile homes?

Unfortunately, our partners can't offer coverage for mobile homes built prior to 1976. Older mobile homes, those built prior to 1976, may have a difficult time getting insured because they don’t adhere to the HUD Manufactured Home Construction and Safety Standards. Homes built after 1976 are technically called manufactured homes, and they adhere to this federal building code that makes them safer and more durable. 

Unsure about mobile home regulations in Florida? Our guide on how to buy a mobile home in Florida can help you.

How much is mobile home insurance in Florida?

Mobile home insurance premiums can vary greatly. That’s partly because manufactured homes present a wide variety of risks, but it’s also because insurance companies use several factors when setting rates. Ultimately, insuring a mobile home in Florida can be pretty pricey.

But you may see discounts from our carrier partners if:

• Your mobile home is in a park.
• You have smart home protective devices, like a security alarm and water mitigation system.
• You are a homeowner who is 50 years or older.
• You’ve had continuous coverage for your home.
• You have a clean claims history.
• Your mobile home is your primary residence.
• You opt for an electronic policy.

And remember, you can adjust both your standard deductible and your hurricane deductible for extra savings, too. Usually, the higher your deductible, the lower your premium – but make sure you don’t choose a deductible so high it prevents you from using your coverage when you need it.

Do you need mobile home insurance in Florida?

Florida doesn’t legally require homeowners to have home insurance, but your lender might. Moreover, your landlord may require you to have mobile home insurance if your home is in a mobile home community or park.

Even if you outright own your home and place it on private property, the extreme weather in Florida makes coverage a smart investment regardless. You never know when disaster will strike, and your coverage offers you the support to rebuild and recover.

Florida mobile home insurance quotes

While mobile home insurance in Florida has a reputation for being unaffordable, remember that the insurer makes all the difference. While you shop around, look for a provider that offers:

• Online quotes and professional expertise. Being able to quote online makes it easier than ever to get a mobile home policy. But if you have questions, you want to be able to talk to an expert, too.
• Replacement cost coverage for the dwelling. Because manufactured homes depreciate in value quickly, it’s smart to have replacement cost coverage that can pay for what it would cost to replace your home, despite its depreciation, with a new, similar home.
• Excellent customer service. Read the reviews! You want a company that has your back at any point in your policy during your policy term.

^{*Customers who switched to Kin report annual savings of $778 on average. Based on Kin Customer Savings Survey conducted September 2023 - September 2024. Potential savings may vary.}

Learn more about mobile home insurance in Florida

Clearwater mobile home insurance

Daytona Beach mobile home insurance

Fort Myers mobile home insurance

Gainesville mobile home insurance

Hialeah mobile home insurance

Jacksonville mobile home insurance

Miami mobile home insurance

Naples mobile home insurance

Orlando mobile home insurance

Sarasota mobile home insurance

St. Petersburg mobile home insurance

Tallahassee mobile home insurance

Tampa mobile home insurance