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.
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 | |
42% | 57,906 | ||
36% | 49,866 | ||
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 |
Best mobile home insurance companies in Florida
American Modern
4.9
Why we chose it
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 cons
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
4.2
Why we chose it
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 cons
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
2.5
Why we chose it
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 cons
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
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.
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
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.
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
Extra coverages to consider for your mobile home in Florida
Depending on the mobile home insurance provider, 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
Frequently asked questions
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.
What is the best mobile home insurance in Florida?
American Modern, Foremost, and Citizens Property Insurance made our list of the best mobile home insurance companies in Florida.
What is the average cost of insurance on a mobile home in Florida?
Mobile home insurance in Florida costs anywhere from $900 to $1,400, according to home insurance provider Kin.
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.
