Best mobile home insurance in Florida

Citizens, Foremost, and American Modern are three of the most popular mobile home insurance companies in Florida.

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By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|2 min read

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Mobile homes — also called manufactured homes — have become increasingly popular in Florida over the last few years. In fact, Florida ranks no. 2 for the states with the most new manufactured homes in 2022. [1] With so many new mobile homes popping up across the state, it’s essential for these homeowners to find the right insurance coverage to ensure it’s protected.

Here’s a look at the most popular mobile home insurance companies in Florida, along with our top picks for a variety of coverages and needs.

Compare mobile home insurance rates in Florida

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What companies offer mobile home insurance in Florida?

Only eight insurance companies make up the total market share of mobile home insurance policies in Florida, as nearly half of all mobile homeowners are insured by Citizens — the state-run insurer of last resort.  

Here’s a look at the most popular mobile home insurance companies in Florida in 2024, according to the Florida Office of Insurance Regulation. [2]

Insurance company

Market share

Active policies in 2023

Citizens Property Insurance

42%

57,906

Foremost

36%

49,866

American Modern

8%

10,517

American Mobile Insurance Exchange

6%

8,074

Florida Farm Bureau

5%

6,605

American Bankers

3%

4,548

American Reliable

0.05%

66

Aegis Security

0.01%

12

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Best mobile home insurance companies in Florida

American Modern

American Modern insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with Florida homeowners.

Pros and conschevron icon

Pros

  • Insures older mobile homes — with no age restriction

  • High-deductible options up to $5,000

  • Water damage coverage included in your base policy

Cons

  • Maximum dwelling coverage is only $300,000

  • Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage

Foremost

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.

Pros and conschevron icon

Pros

  • Insures homes of any age, model, make, and value

  • Replacement cost coverage available for your home, other structures on your property, and your personal belongings

  • Trip coverage available when moving your mobile home

Cons

  • Deductible options aren’t disclosed on its website

Citizens Property Insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starHalf orange starEmpty gray starEmpty gray star

2.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

As Florida’s insurer of last resort, Citizens Property Insurance is ideal for mobile homeowners who’ve struggled to find coverage elsewhere due to the age or location of their manufactured home.

Pros and conschevron icon

Pros

  • Willing to insure mobile homes that other companies won’t

  • Replacement cost coverage available for your home, other structures on your property, and your personal belongings

  • Sinkhole coverage included in your base policy

Cons

  • Water backup, golf cart, and scheduled personal property coverage unavailable

Learn more >> Our picks for the best insurance companies in Florida

Methodology

How we chose the best companies

To find the best mobile home insurance companies in Florida, we compared coverages, deductible options, financial strength ratings, transparency, and availability of the eight mobile home insurance companies with the largest market share in Florida. After researching companies in each of these areas, our team of insurance experts determined the best mobile home insurance companies for a variety of coverage needs and scenarios.

Why you can trust Policygenius

As an online insurance marketplace, Policygenius works closely with homeowners all over the U.S. to help them find a mobile home insurance policy that suits their needs — without bias or favor toward any one company. We don’t get paid for our company reviews, and our ratings reflect the latest pricing data, financial ratings, third-party reviews, and policy options from each company. In addition to using reputable external sources, we also leverage a vast library of internal resources, data points, and insights from our own team of home insurance experts.

Our ratings and company reviews can point you toward an insurer that you can rely on to protect your mobile home and livelihood, but the best manufactured home insurance company is based on several different factors. A licensed agent at Policygenius can guide you through your mobile home insurance quotes and help you get the right coverage at the best price.

Compare mobile home insurance rates in Florida

We don't sell your information to third parties.

How much is mobile home insurance in Florida?

Mobile home insurance in Florida costs anywhere from $900 to $1,400, according to home insurance provider Kin. [3]  

However, how much you pay will vary depending on several factors, including:

  • Where you live

  • Size of your manufactured home

  • Age of your mobile home

  • Your claims history

  • Your policy deductible amount

Learn more >> What is the cost of home insurance in Florida?

What company has the cheapest mobile home insurance in Florida?

The cheapest mobile home insurance in Florida is $894 per month through home insurance company Kin. However, how much you pay will vary based on the age and size of your mobile home, where it’s located, your claims history, and other factors.

Mobile home insurance discounts in Florida

You may be able to save on the cost of manufactured home insurance in Florida if you qualify for any of these discounts:

  • Mobile home park: If your home is located in an approved mobile home park

  • Age of home: The newer your mobile home, the higher your discount

  • Wind-resistant features: If you install wind-resistant features to your mobile home to protect against tornadoes, tropical storms, and hurricanes

  • Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company

  • No claims in past three years: If you’ve been claims-free for a specific number of years

  • Association membership: This might include if you’re a member of USAA, AFI, or other associations

  • Paperless policy: If you sign up to receive your policy documents electronically

  • Paid-in-full: If you pay your mobile home insurance premiums in full for the year

  • Age of insured: If you’re at least 50 years old

Is mobile home insurance required in Florida?

Mobile home insurance is not legally required in Florida. However, if you’re financing your manufactured home with a mortgage, you’ll likely be required by the lender to purchase insurance to protect their investment and to ensure that the home is protected from perils like fire and bad weather. 

You also might be required to purchase manufactured home insurance if you live in a mobile home park. With homes located so close together, a fire or flood could easily spread across the park, leaving you financially ruined without proper insurance coverage.

Compare mobile home insurance rates in Florida

We don't sell your information to third parties.

What does mobile home insurance cover in Florida?

A typical HO-7 mobile home insurance policy comes with the following five coverage:

  • Dwelling: Covers the physical structure of your mobile home

  • Personal property: Covers your personal belongings, like appliances, furniture, clothing, and electronics

  • Other structures: Covers other structures on your property, like a shed, fencing, or detached garage

  • Liability: Covers legal fees and medical expenses if someone is injured on your property and you’re found legally responsible

  • Loss of use: Also known as additional living expenses, this covers meals, hotel stays, and other expenses if your home becomes unlivable after a covered loss

Can you get insurance on an older mobile home in Florida?

You can get insurance on an older mobile home in Florida through insurance companies like American Modern and Foremost, who don’t have age restrictions on the mobile homes they’ll insure.

Extra coverages to consider for your mobile home in Florida

Depending on the mobile home insurance provider, as you shop for coverage you may want to consider adding these additional coverages to your policy:

  • Replacement cost coverage: Provides coverage for your home, personal belongings, and other structures as if they were new — without taking depreciation into account 

  • Golf cart protection: Covers damage to your golf cart

  • Hobby farming: Covers your property and liability involved with your farming activities

  • Trip collision: Protects your mobile home in transit if you decide to move it

  • Flood insurance: Protects your mobile home from flooding caused by hurricanes, tornadoes, and other natural flooding events

Does mobile home insurance in Florida cover flooding?

Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, Florida homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.

Learn more >> Flood insurance in Florida: What you need to know

Compare mobile home insurance rates in Florida

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References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Construction Coverage

    . "

    U.S. States Investing Most in Manufactured Housing

    ." Accessed November 27, 2023.

  2. Florida Office of Insurance Regulation

    . "

    Quarterly and Supplemental Reporting System - Next Generation (QUASRng)

    ." Accessed November 27, 2023.

  3. Kin

    . "

    Mobile home insurance in Florida

    ." Accessed November 27, 2023.

Author

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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