Mobile home insurance in Florida
Find coverage that fits your home — and your budget.
Get affordable mobile home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does mobile home insurance cover in Florida?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Florida mobile home insurance
Is mobile home insurance required in Florida?
No, mobile home insurance isn’t required by law in any state, including Florida. That said, there’s a good chance your lender will require it before you can buy a home, or that your landlord will require it if your mobile home is in a mobile home community or park.
If you outright own your home, and place it on private property, no one will require you to have mobile home insurance — but the extreme weather in Florida makes getting coverage a smart investment.
What factors affect mobile home insurance rates in Florida?
Where you live, the age of your home, your home’s characteristics, and other factors will determine the cost of your home insurance. Florida's rising insurance costs are also influenced by extreme weather, reinsurance, insurance fraud, litigation costs, catastrophic claims, and inflation.
What type of mobile home insurance coverages are recommended in Florida?
Beyond the standard adjustable coverages for your home and things like other structures, personal property, and liability, you’ll also want to consider adding sinkhole insurance, while ensuring that your policy covers hurricanes and tropical storms.
Can I get insurance for older mobile homes?
Mobile homes built after 1976 are technically called “manufactured homes,” not mobile homes. That’s because they adhere to the HUD Manufactured Home Construction and Safety Standards, which makes them safer and more durable. As a result, Kin can’t offer coverage for mobile homes built prior to 1976. These homes may have a tough time getting insured without adherence to federal building codes.
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