Florida mobile home insurance, policies, quotes
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The internet has madeshopping for cheap mobile home insurancefast and easy. All you need to do is fill out one form with Citizens Insurance, and you can compare 10 or more quotes from multiple top providers. Commonly known as contents coverage, this protection will compensate you in the event your personal items are damaged, such as a tornado or theft occurs. If you own some really valuable things like a Rolex watch, make sure to list them individually in your policy and their value to make sure you are totally covered. Also, take a photo of each valuable personal item, which helps expedite the claim process and provides additional proof that you are the owner of these articles.
But 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. Your coverage is assigned to one of our dedicated customer service representatives. You will always have an agent who is familiar with your file when you need help with claims, additional coverage, or renewal analysis.
What does mobile or manufactured insurance cover?
Most people can get better coverage and save hundreds by shopping directly with companies like Citizens homeowners insurance. Start comparing online mobile home insurance rates in less than five minutes. Many large insurers offer mobile home insurance in Florida, and you can compare quotes online in just a few minutes.
Some counties in Florida have cheaper premiums due to a lower risk level, but the value of the home is another big factor. The financial stability of your homeowners insurance company is extremely important. A large scale disaster could affect an insurer’s ability to pay claims. We recommend exploring the financial rating using a 3rd party rating organization. The two most organization for Florida-based companies are or Ambest.com. These 3rd party companies review and assign a financial stability rating.
Coverage designed specifically for your mobile home.
For many people, their mobile home will be one of the largest assets they buy in their lifetime, if not their most significant. In some areas of the U.S., like San Diego, mobile homes can be worth way over $300,000. That is a greater value than many traditional homes across the country. A good, solid mobile home insurance plan needs to be put in place to protect it. The finance companies need to factor in depreciation instead of the usual appreciation of the site-built traditional house. There are, of course, exceptions, such as manufactured homes in a prime location, like near the beach or popular casino, etc.
Meet with a local agent to learn more about buying mobile or manufactured home insurance. Manage your mobile or manufactured home insurance policy easily. You can see how our prices compare to other Florida mobile home insurers below. These premiums are based on replacement cost coverage, not actual cash value policies. Flood insurance may be required if you finance your manufactured or mobile home. Mobile home insurance carriers often have a separate deductible for hurricane damage, which could be a flat-fee deductible or a percentage of the value of your manufactured home.
How Much Is Mobile Home Insurance in Florida?
Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com.
If you are lucky enough to own a manufactured home overlooking the ocean in Santa Barbara or a desired coastal area, it could be worth over $500,000. This means you need to secure enough coverage to replace the home’s value. In this case, you should get insurance limits near $500,000 to cover the replacement value of your home.
Customers can't renew a Citizens policy if they receive a cheaper offer for comparable coverage on a private-market policy. In either case, mobile home insurance is meant to protect against large financial losses, and it's advisable to get coverage. When you click on the "Start Quote" button or "mobile home insurance quote" link you will be taken to a site owned by Assurant, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibilities in connection with your use of their website.
But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. It makes financial sense to get a secured policy that will cover your home’s value. This way, if your modular pad is worth $100,000, then that is the coverage amount you need to aim for.
At Statewide Insurance, our mission is to help Floridians find quality, affordable insurance coverage with unmatched customer service. Mobile home insurance is a little different than covering a traditionally built home. We know you’ve worked hard to turn your mobile home into the perfect living space for you and your family.
Before taking out a policy, you’ll need to check the manufacturing date on the home. Most mobile homes built after June 15, 1976, are classified as manufactured homes rather than mobile homes, which could affect the type of policy insurers will offer. This is why you should work with an independent agent that specialized manufactured homes . Take 5 minutes and get a fast and freemobile home insurance quotes online.
If you cannot find coverage in the private market, you may need to seek coverage through Citizens Property Insurance, the state-backed insurer of last resort. The quality of the mobile or manufactured home build could make a significant difference in what your premium will be. Newer mobile homes often feature amenities you would find in a traditional build home, such as wood floors and granite countertops. The more expensive upgrades could raise the cost of your mobile home insurance. Bankrate.com is an independent, advertising-supported publisher and comparison service.
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