As a homeowner in Florida, you know insurance is important. You’ve probably seen firsthand the destruction a hurricane can cause an entire community. Protecting your mobile home is a must.
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.
We’re changing that. We developed our own Florida mobile home insurance to be the best on the market. We designed our coverage to reflect your home’s actual risks, not a general assessment for the entire state. The result?
The average homeowner who switches to Kin saves $500 a year (or more!). Our average premium for mobile home insurance in Florida is $894 a year.
Florida mobile home insurance can cover more than just your home. A typical policy – without added coverages – usually covers:
The types of damage your policy covers depends on your insurer. But at Kin, our policies cover all risks except for those explicitly excluded by the policy. That means your mobile home has coverage for damage or losses caused by:
Mobile homes – which is the term for homes built prior to 1976 – may have a more difficult time getting insured because they don’t adhere to the HUD Manufactured Home Construction and Safety Standards. Homes built after 1976 are technically called manufactured homes, and they adhere to this federal building code that makes them safer and more durable.
For a mobile home built after 1976, you can often get an online quote from Kin. For homes built prior to 1976, give us a call at 855-717-0022 and we’ll help you find some coverage options.
The average cost of mobile home insurance in Florida is $894 a year from Kin. That said, your home’s location, the limits you choose, your home’s age, and other factors impact the cost of coverage.
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.
You can also see our average premiums by the county in Florida below.
You can save on your Florida mobile home insurance if:
And remember, you can adjust both your standard deductible and your hurricane deductible for extra savings, too. Usually, the higher your deductible, the lower your premium – but make sure you don’t choose a deductible so high it prevents you from using your coverage when you need it.
Florida doesn’t legally require homeowners to have home insurance, but your lender might. If your home is in a mobile home community or park, your landlord may require you to have mobile home insurance, too.
Even if you outright own your home and place it on private property, the extreme weather in Florida makes coverage a smart investment regardless. You never know when disaster will strike, and your coverage offers you the support to rebuild and recover.
While mobile home insurance in Florida has a reputation for being unaffordable, remember that the insurer makes all the difference. While you shop around, look for a provider that offers: