Mobile Home Insurance · Florida

Florida Mobile Home & Manufactured Home Insurance

Carriers ask three specific questions about a Florida mobile home before quoting. Answer them below to understand your market before our agents even call.

Request Your Quote → Talk to an agent: 1-800-868-9170

Manufactured home on piers with tie-downs and owner checking a strap, flat vector illustration

Is mobile home insurance different from homeowners insurance?

Yes — mobile and manufactured homes are written on their own policy forms, priced around factors site-built homes don't have: the build year relative to the 1976 HUD code, tie-downs and anchoring, and whether the home sits on owned land or in a park. The protections mirror homeowners — structure, belongings, liability — but the underwriting is its own world.

Mobile Home Insurance in Florida: The HUD Code Line

Mobile home insurance in Florida starts with a date: June 1976, when the federal HUD construction code took effect. Homes built after it, called manufactured homes, meet engineered wind and construction standards. Most carriers quote them readily. Homes built before it are true mobile homes in the eyes of insurers, and they live in a smaller, specialty corner of the market — insurable, but on different terms. From Miami to Jacksonville, the rest of the quote turns on two more facts: whether the home is properly tied down, and whether it sits on land you own or in a park. Our guide to older mobile home insurance explains why the year matters so much.

We're a Miami-based independent agency quoting both sides of that 1976 line across Florida, including the specialty markets older homes need. Run the checker below, then send the form — a bilingual agent starts on your quote knowing exactly which carriers fit.

Who Insures Mobile Homes in Florida?

Three questions — the same three every carrier asks first.

When was it built?

Is it tied down / anchored?

Where does it sit?

Quote my mobile home →

Three facts drive every Florida mobile home quote: the build year (before or after the June 1976 HUD code), tie-downs, and whether you own the land. A bilingual agent walks all three with you.

Insurance inspector checking the tie-down straps and ground anchors at the base of a Florida mobile home.

Mobile Home Insurance Coverage in Florida

The Home & Structures

The home itself plus carports, sheds, and Florida rooms — with wind coverage doing the heaviest lifting in this state.

Hurricane Deductibles and Tie-Down Credits

Hurricane deductibles, anchoring credits, and named-storm terms are where mobile home policies differ most — the fine print worth reading before June.

Belongings & Liability

Your contents inside, and your liability when a guest is injured — the same two protections every Florida household needs, sized for your home.

What You Need for a Mobile Home Insurance Quote

The build year from the data plate — before or after 1976 changes the market
Tie-down / anchoring status, and any inspection paperwork
Own land or park — and the park's insurance requirements if it's a park
Roof age and any roof-overs, additions, or Florida rooms

Additional Personal Insurance Options

Home Insurance Flood Insurance Auto Insurance Renters Insurance Personal Umbrella Condo Insurance

Mobile and Manufactured Home Insurance Guides

Florida home with a palm tree beside a large shield and checkmark badges, representing home insurance discounts

Florida Home Insurance Discounts: What Actually Lowers Costs

See which Florida home insurance discounts carriers apply: wind mitigation credits, roof documentation and deductible choices that can lower your premium.

Florida home with hurricane shutters installed before a storm, protected by homeowners insurance

Florida Hurricane Insurance: How Home Property Coverage Works

Hurricane insurance in Florida: what your home policy covers in a storm, how the hurricane deductible works, and how to file a claim after it passes.

A Florida street lined with homes that show different roof types, including hip, gable, flat and mansard roofs, under a clear blue sky.

Roof Types for Homes and How Each Affects Insurance

Compare 8 common roof types for homes, from hip and gable to flat and mansard roofs, with the pros and cons of each and how roof shape affects insurance.

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Get Mobile Home Insurance Quotes in Florida

Send the form and a licensed bilingual agent will match your home's year, anchoring, and location to the Florida markets that actually write it.

Home, wind, belongings & liability coverage
Standard & specialty markets
Renewal and claims help after you buy

Request My Mobile Home Insurance Quote

First name Last name

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What do you need to insure?

Tell us more — your home's year, tie-downs, and whether you own the land or rent a lot…

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Common Questions

Florida Mobile Home Insurance Questions, Answered

How does Florida mobile home insurance differ from standard policies?

Mobile and manufactured homes are written on specialized policy forms. Underwriters rate them based on factors site-built homes lack, such as the build year relative to the 1976 HUD code, proper Rule 15C-1 anchoring and tie-downs, and whether the home sits on owned land or a rented park lot.

Why does 1976 matter for mobile home insurance?

The federal HUD construction code took effect in June 1976 — homes built after it meet engineered wind and safety standards and quote readily with most carriers. Pre-1976 homes are written in specialty markets on different terms. The data plate inside the home settles which side of the line yours is on.

Do tie-downs and anchors lower mobile home insurance rates in Florida?

Yes. Proper anchoring to Florida's strict Rule 15C-1 code is the single biggest wind-underwriting factor. Compliant tie-downs unlock access to more insurance markets, improve coverage terms, and frequently earn mandatory wind mitigation credits that significantly reduce your annual premium.

Can I insure an older pre-HUD mobile home in Florida?

Yes. While standard carriers typically decline older units, you can insure them through specialty markets built specifically for pre-1976 HUD homes. An independent agency knows exactly which Florida-admitted carriers still write these older structures and can successfully secure coverage.

Does placing my mobile home in a park affect my insurance?

It generally does not restrict your ability to get a quote, but mobile home parks often mandate their own strict insurance requirements within the lot lease agreement. Your policy must be structured to satisfy the park's minimum liability limits while protecting your physical property simultaneously.

Does mobile home insurance cover floods?

No — flood is excluded, same as every property policy in Florida. Mobile homes in flood zones need a separate flood policy, and given how many Florida parks sit in low-lying areas, it's a question worth asking on every quote.

Does mobile home insurance cover hurricanes?

Wind coverage is the heart of a Florida mobile home policy — with its own hurricane deductible and named-storm terms that vary more between carriers than almost any other line. That variation is the argument for comparing markets instead of renewing blind.

How can I get a mobile home insurance quote in Miami, Florida?

You can secure an accurate quote by providing your home's build year, anchoring status, and lot location. A bilingual agent at American US Insurance matches your exact profile to the best standard or specialty carriers operating in Miami-Dade, providing complete options.

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