Mobile Home Insurance Florida | Kin Insurance

October 19, 2022

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how to find mobile home insurance in florida

As a Florida homeowner, you know insurance is important. he has probably seen firsthand the destruction a hurricane can wreak on an entire community. protecting your mobile home is essential.

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But historically, mobile home owners in Florida have been overlooked. Only a few insurers offer mobile home coverage, and when they do, the price is often high.

Reading: How much is insurance on a mobile home in florida

let’s change that. we developed our own mobile home insurance in florida to be the best in the market. We design our coverage to reflect the actual risks to your home, not a blanket assessment for the entire state. the result?

The average homeowner who moves in on a relative saves $500 a year (or more!). Our average premium for mobile home insurance in Florida is $894 a year.

what does florida mobile home insurance cover?

Florida mobile home insurance can cover more than just your home. A typical policy, without additional coverage, generally covers:

your abode.
your belongings, such as your clothes, furniture, appliances, and more.
other structures on your property, such as your garage, fence, shed, etc.
loss-of-use expenses when a covered claim requires you to move temporarily.
personal liability to help pay legal fees when you accidentally damage someone’s property.
medical bill payments to help pay for minor injuries guests sustain at your property.

The types of damage your policy covers depend on your insurer. but in kinship, our policies cover all risks except those explicitly excluded by the policy. that means your mobile home is covered for damage or loss caused by:

fire
vandalism
wind
hurricane and named storm wind
theft
and more

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Mobile homes, which is the term for homes built before 1976, may have a harder time getting insurance because they don’t meet HUD’s manufactured home construction and safety standards. Homes built after 1976 are technically called manufactured homes and adhere to this federal building code which makes them safer and more durable.

For a mobile home built after 1976, you can often get a quote online from relatives. For homes built before 1976, call us at 855-717-0022 and we’ll help you find some coverage options. Not sure about mobile home regulations in Florida? our guide on how to buy a mobile home in florida can help you.

how much does mobile home insurance cost in florida?

the average cost of mobile home insurance in florida is $894 a year from relatives. That said, the location of your home, the limits you choose, the age of your home, and other factors affect the cost of coverage.

Below you can see how our prices compare to other florida mobile home insurers. these premiums are based on replacement cost coverage, not actual cash value policies.

You can also see our average premiums by the county in Florida below.

florida mobile home insurance discounts

You can save on your Florida mobile home insurance if:

Your mobile home is in a park.
have smart home protection devices, like a security alarm and water mitigation system.
You own a home and are 50 years of age or older.
You have had continuous coverage for your home.
has a clean claims history.
Your mobile home is your primary residence.
you opt for an electronic policy.

learn more about our discounts here.

And remember, you can also adjust your standard deductible and hurricane deductible for additional savings. Generally, the higher your deductible, the lower your premium, but be sure you don’t choose a deductible so high that you can’t use your coverage when you need it.

do you need mobile home insurance in florida?

Florida does not legally require homeowners to carry homeowners insurance, but your lender may. If your home is in a mobile home community or park, your landlord may require you to have mobile home insurance as well.

Even if you own your home outright and locate it on private property, Florida’s extreme weather makes coverage a smart investment all the same. You never know when disaster will strike and your coverage gives you the support to rebuild and recover.

mobile home insurance quotes in florida

Although mobile home insurance in Florida has a reputation for being unaffordable, remember that the insurer makes a difference. as you shop, look for a vendor that offers:

online quotes. with kin, you can get an online quote in minutes. We have a team of licensed insurance experts ready to help if you’d like personal guidance as well.
replacement cost coverage for your home. Because the value of manufactured homes depreciates quickly, it’s smart to have replacement cost coverage that can pay what it would cost to replace your home , despite its depreciation, with a new and similar house. kin may offer replacement cost coverage for mobile homes built after 1997.
excellent customer service. read the reviews! You want a company that supports you at any point of your policy, from quotes to claims.