Florida Mobile Home Insurance From an Agency That Specializes in Them
We have been Florida’s Mobile Home Insurance Specialists since 2005. Most agents write one or two mobile home policies a year. We insure them every day across Florida.
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Mobile home insurance in Florida is different. So should the agency you choose.
Since 2005, we’ve helped insure more than 6,000 mobile and manufactured homes across Florida, including many older homes that require specialized underwriting.
When you work with us you get access to all the top Florida mobile home insurance companies, not just Citizens. Our friendly agents provide advice, real options, and help finding lower rates.
Florida Companies Compared
We shop your coverage across 10 Florida mobile home companies to find the best fit for your home, county, and budget.
Florida Homes Insured
Since 2005, we’ve insured over 6,000 homes across all of Florida. Mobile and manufactured home insurance is not a side product for us.
Older Mobile Home Options
Coverage available for well-maintained homes manufactured in 1977 or newer.
What Mobile Homes Qualify for Coverage?
If your mobile or manufactured home meets these guidelines, My Florida Mobile Home Insurance can help you find coverage.
Built 1977 and newer
All 67 FL Counties
Single, Double, or Triple Wides
Parks or Private Land
Owner or Tenant Occupied
Own a well-maintained older mobile home? Give us a call at (904) 262-8153 and we’ll walk you through your available options.
Who We Help Insure
From newer manufactured homes to older mobile homes needing specialized placement, we help owners find mobile home insurance across Florida for a wide range of property types and situations. We insure mobile, manufactured, modular, and park model homes in Jacksonville, Ocala, Lakeland, The Villages, Tampa Bay, Fort Myers, Naples, and many other Florida retirement and family communities across the state. We insure many homes that other agencies decline.
How Florida mobile home owners review us
Don’t take our word for it. Here’s what our customers have to say.
How to get the best mobile home insurance in Florida
Whether you call it a mobile home or a manufactured home, we’ll get you covered. Most policies are active within 24 hours.
Tell Us About Your Mobile Home
Answer a few quick questions about your mobile or manufactured home. Year built, location, size, and what you’d like covered.
We Compare 10 Florida Companies
We compare rates, deductibles, and coverage from the top Florida insurers. We do the legwork.
Choose & Get Covered
We walk you through every option so you understand what you’re buying. You choose what fits. Most policies bind the same day.
Insurance solutions for Florida Mobile Homeowners
Mobile and manufactured home insurance is our specialty.
We also help Florida homeowners with flood, auto, umbrella, RV, and golf cart insurance.
Mobile home insurance is a property insurance policy designed for homes that were built in a factory and transported to a home site. Whether your home sits in a park or on private land, it needs coverage that accounts for how it was constructed and how it handles Florida weather.
A mobile home policy in Florida typically covers four things: your dwelling (the structure itself), your personal belongings (furniture, electronics, clothing), liability protection (if someone is injured on your property), and additional living expenses (if a covered loss makes your home temporarily unlivable).
What makes manufactured home insurance in Florida different?
Mobile home insurance in Florida is not the same as standard homeowners insurance. Factory built homes face unique risks from hurricane winds, and many national carriers either won’t insure them or price them out of reach. That’s why working with an independent agent who specializes in Florida manufactured home insurance matters.
We work with 10 Florida companies that focus specifically on mobile and manufactured homes. Each one prices differently depending on the county, age of the home, roof updates, and construction type. A home in Polk County might get the best rate from one company while the exact same home in Brevard County gets a better fit from another. We know which companies are competitive where because we quote them every day. One of the most important things to understand is the difference between replacement cost vs actual cash value on Mobile homes coverage, which can mean tens of thousands of dollars after a major claim.
Whether your home is in a 55+ retirement community, a family park, or on private land, we can help you find coverage that includes wind and hurricane protection, personal property, liability, and additional living expenses.
We also strongly recommend flood insurance for mobile homes because standard home policies do not cover flooding. We serve all 67 Florida counties. Get a free quote or call us at (904) 262-8153.
Six things to check before you pick a mobile home policy.
The cheapest quote isn’t always the best one. Here’s what to look at when you’re comparing mobile home insurance quotes side by side.
Policy Type: DP1 vs. MHO3
A DP1 covers only named perils (fire, lightning, etc.). An MHO3 is open peril, meaning it covers everything except what’s specifically excluded. Learn more about this big difference in protection.
Dwelling Coverage Amount
A lower premium often just means less coverage. Make sure the dwelling limit actually reflects what it would cost to repair or rebuild your home.
Replacement Cost vs. Actual Cash Value Settlement
Replacement cost pays to repair or replace your home at today’s prices. Actual cash value deducts depreciation, which can leave you significantly short after a claim. Read more about RCV vs ACV on mobile homes.
Hurricane Deductible
Some carriers charge a percentage (2% or 5% of dwelling value), others offer a flat $1,000. On a $120,000 home, that’s the difference between $6,000 and $1,000 out of pocket.
Wind Coverage Included?
In most Florida counties, wind is part of the standard policy. In some southern coastal areas or on older mobile homes, it may be excluded or require a separate policy.
Attached Structures
Carports, screen rooms, and porches may or may not be covered under your main policy. Some carriers require them to be listed separately with their own limits.
Before you buy a policy, read these guides first.
We wrote these guides based on the questions we hear every day from Florida mobile and manufactured home owners. They’ll help you understand what you’re buying, what to watch for, and how to avoid the most common mistakes.
About My Florida Mobile Home Insurance
We are a licensed independent insurance agency based in Jacksonville, Florida, led by Susan Augustyniak with over 20 years of experience in the Florida insurance market.
Since 2005, we’ve helped insure over 6,000 homes across all of Florida. For mobile home coverage, we work with a range of Florida insurance carriers including Tower Hill, American Traditions, Cabrillo Coastal, American Integrity, Unique, and others. We also offer auto, umbrella, flood, RV, and golf cart insurance through nationally recognized carriers. Learn more about our agency and team or call (904) 262-8153.
Mobile Home Insurance Florida and Manufactured Home FAQ
Florida mobile home insurance
that covers what matters.
4.9 stars, 439 Google reviews, 6,000+ Florida homes insured. 10 companies compared, no pressure, no obligation.