Everybody knows: Miami is hot – and cool. Hot beaches. Hot food. Hot nightlife. Cool people. Cool neighborhoods. Cool ocean breezes.
Living in a mobile home is a smart and economical way to enjoy this diverse and exciting coastal metropolis. But don’t forget: You still need mobile home insurance to protect this valuable asset when you experience fire, theft, or wind damage.
Do you need mobile home insurance in Miami?
There’s no state law that requires you to get mobile home insurance in Florida. However, mortgage lenders and mobile home parks often require it. And there is a Miami-Dade County law that makes it illegal to store your mobile home anywhere other than an approved mobile home park.
Even if that weren’t all true, insuring your mobile home is a good idea. Why? Let’s start with the fact that mobile homes are a major investment. According to the US Census bureau, the average cost of a new mobile home is:
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$121,400 in the US.
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$120,200 in the South.
Moreover, mobile homes, just like any home, are exposed to perils that could cause damage. The Insurance Information Institute notes that mobile homes are vulnerable to tornadoes, but fire, theft, vandalism, and hail damage are also issues mobile home owners have to contend with.
Note: Florida state law requires insurers to replace mobile homes after a total loss; however, the owner must give the insurer the title to the home. The insurer then must present the destroyed home’s title to the Florida Department of Highway Safety and Motor Vehicles.
How much does Miami mobile home insurance cost?
Mobile home insurance can be expensive and difficult to get. Premiums range from several hundred to over $3,000 per year. Generally, premiums for Florida mobile home insurance are based on several factors, including:
One reason for the cost is that insurers consider mobile homes a high-risk category. But that means you may be able to find more affordable coverage if you:
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Use anchor ties that fully meet city codes. (We require this for coverage)
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Properly install handrails where there are three or more steps.
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Reside in the mobile home you own.
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Maintain your home and surrounding property.
Safe, well-maintained homes simply cost less to insure. Get a quote now if you'd like to know what your premium would be with Kin.
Why get mobile home insurance with Kin?
We’ve been offering mobile home insurance in Florida since 2019, so we have plenty of experience with protecting homeowners with HO7 policies. And we do that through technology that analyzes a large amount of insurance data. This helps us set premiums that are fair and accurate for your particular exposures.
We’re also able to offer flexible and personalized coverage options. This includes endorsements for animal liability, water backup, and even short-term renters. Plus, you can potentially cover your other structures and personal property for up to 100% of your dwelling ( limits. And if you need to make a change, it’s as easy as making a call.
Finally, we’re able to offer several discounts to mobile home owners in Florida, including discounts for:
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Living in a mobile home park.
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Installing security devices, like burglar and fire alarms.
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Being 50 years old or older.
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Insuring your home consistently.
Not every mobile home owner saves money, but the average member reports saving $453 when they join Kin.*
How to get mobile home insurance Miami
While other insurers have withdrawn from Florida because of the high cost of recent hurricanes, we’re ready to help you find mobile home insurance in Miami. Enter your address or give us a call at 855-717-0022 for mobile home insurance today.
Mobile home insurance guides for Florida cities
*Customers who switched to Kin report annual savings of $453 on average. Based on Kin Customer Savings Survey conducted from December 2022 through December 2023. Potential savings may vary.
