Who Will insure a mobile home In Florida?

 

Curious who will insure a mobile home in Florida or which are the largest Florida Mobile Home Insurance Companies in 2018? We were too! 

 

According to the FL Dept of Insurance, only 20 companies offer homeowners insurance for mobile homes in Florida* as of July 2018.

 

Why so few?  After the hurricanes in 2004-5, finding a Florida mobile home insurance company got hard. In fact, most companies stopped writing mobile homes in Florida. Insurers mentioned the catastrophic damage from hurricanes as the top reason.

 

The list below shows all 20 companies, plus the number of policies they provide.

Who insures manufactured or mobile homes in Florida?

 

As an independent agency, we provide policies with most of the insurance companies on the list.  Who will insure a mobile home depends on a few factors. Generally, 3 factors impact which companies will offer you a policy or quote. These include the

  • age of the manufactured home
  • proximity to the ocean
  • county in Florida.

Generally, older homes close to the ocean will have fewer companies to chose. A newer house away from the ocean will receive more offers.

Finding the right insurance company is important. This is why you should work with an independent agent that specialized manufactured homes (like us). We offer policies with the majority of the companies below. So, you can get a selection and choice. Take 5 minutes and get a fast and free mobile home insurance quotes online.

Mobile Home Insurance Companies in Florida

LargestFlorida Mobile Home Insurance Companies Policies in Force
1AMERICAN TRADITIONS INSURANCE 63,893
2FOREMOST INSURANCE 36,220
3FLORIDA SPECIALTY INSURANCE 32,257
4CITIZENS PROPERTY INSURANCE (State Run Insurance)26,495
5SAFE HARBOR INSURANCE 20,087
6AMERICAN INTEGRITY INSURANCE 15,232
7FOREMOST PROPERTY AND CASUALTY12,839
8OMEGA INSURANCE (a Tower Hill Company)12,667
9AMERICAN RELIABLE INSURANCE 8,196
10FLORIDA FARM BUREAU 7,226
11HERITAGE PROPERTY & CASUALTY 6,827
12AMERICAN BANKERS INSURANCE CO OF FLORIDA5,211
13AMERICAN SOUTHERN HOME INSURANCE4,706
14US COASTAL PROPERTY & CASUALTY INSURANCE 2,932
15SOUTHERN OAK INSURANCE 2,021
16FIRST PROTECTIVE INSURANCE 1,578
17AVATAR PROPERTY & CASUALTY INSURANCE1,240
18AEGIS SECURITY INSURANCE 486
19ELECTRIC INSURANCE 8
20INDEMNITY INSURANCE CO OF NORTH AMERICA6
TOTAL 260,127

*Source: Data as of July 31, 2018. Florida Office of Insurance Regulation. Owner occupied mobile or manufactured homes. Rental Homes are not included in these numbers.
 

What is the best mobile home insurance company?

Some of these companies listed above may be relatively new insurance companies in Florida. But others, like Foremost has been around since 1952, and Tower Hill Insurance/Omega since 1972.

The financial stability of your homeowners insurance company is extremely important. We live in hurricane-prone state. 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 www.demotech.com or Ambest.com. These 3rd party companies review and assign a financial stability rating.

Who are the largest Mobile Home Insurance Companies in Florida?

Currently, there are 260,000 owner-occupied mobile homes insured. The largest 5 insurers provide 78% of mobile home insurance policies. 4 out of the 5 companies are private insurers. Citizens Insurance (#4) is the state run company of last resort. 

State Farm, Allstate, Nationwide, Liberty Mutual, Geico, and Progressive do not offer policies for manufactured homes in Florida.

Remember, the largest companies may not be the best for your home. They may just be the only company offering insurance in a particular area. For example, Citizens (state run insurance company) writes 74% of new policies in Palm Beach County Fl.  We can help you with Florida Mobile Home Insurance.

Get a Fast & Free: Mobile Home Insurance Quotes

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