How to Get Mobile Home Insurance in Clearwater, Florida
Clearwater has miles of beaches both on the Gulf of Mexico and the Tampa Bay coast. It’s also home to 104 mobile home parks, offering residents a lifestyle that combines work and play.
But being so close to either coast can be risky. In fact, Clearwater is a prime target for storms like Irma and Michael, and hurricane winds can be especially hard on mobile homes.
While it’s been historically hard to find affordable mobile home insurance in Florida, we’re changing that. On average, our Clearwater mobile home policies cost $862 a year.
Clearwater Mobile Home Insurance Costs
Florida mobile home insurance is expensive because mobile homes are particularly vulnerable to winds and floods. Additionally, mobile home insurance carriers in Florida often don’t rate homes dynamically based on location, which drives prices up.
There’s a better way to do things. We price your coverage based on your mobile home’s actual risk rather than on a statewide level. The result is a much more affordable policy – for Clearwater, that’s about $862 a year on average, nearly $250 less than the average for the whole state.
Curious to see how we stack up against the competition? Take a look at the statewide averages below.
Average Florida Mobile Home Insurance Premiums by Carrier
| Kin |
American Integrity |
American Traditions |
| $1,110 |
$1,379 |
$1,258 |
Average premiums give you a sense of what your costs might look like, but the only way to know for sure is to get a quote. Your premium may vary depending on the size, construction, and age of your mobile home; your claims history; your location; and more.
Average Cost by Counties
Your premium depends on several factors, such as your mobile home’s age and size, its construction, your claims history, and more. But of all these factors, your location plays a key role.
Think about it this way: a home right along the coast is more likely to experience hurricane damage than a home 20 miles further inland.
To give you an idea of how location can impact premiums, take a look at our average prices by the county below.
Average Kin Mobile Home Insurance Premiums by County
| County |
Average Yearly Premium |
| Pinellas |
$862 |
| Dade |
$2,422 |
| Manatee |
$1,100 |
| Sarasota |
$1,202 |
These are some ways mobile homeowners anywhere can reduce insurance costs:
- Use of anchor ties that meet city codes.
- Have a fully enclosed foundation or skirt.
- Install handrails where there are three or more steps.
- Occupy your property (don’t rent it out).
- Properly maintain the property.
- Keep a clean claims history if possible.
We’ll walk you through some additional discount opportunities when you apply for a quote.
What Mobile Home Insurance Covers
You probably know most mobile home insurance policies only offer actual cash value coverage for the dwelling. That’s not the case with Kin. We only offer replacement cost coverage for your mobile home so you can buy a new home if yours is claimed by a total loss.
A reliable mobile home policy should include the following:
- Dwelling coverage to repair or replace your mobile home after a covered claim.
- Other structures coverage to repair or replace structures like a carport or patio.
- Personal property coverage to help you replace belongings like clothing, furniture, electronics, and more.
- Loss of use coverage to help you cover temporary relocation costs when a covered claim makes your home uninhabitable.
- Personal liability coverage to pay legal fees if you’re sued over someone’s injuries or property damage.
- Medical payments coverage to pay for medical bills when someone is hurt on your property.
We can easily customize your policy with additional endorsements.
Make sure you are prepared for risks, big and small, when living in a mobile home in Florida. It’s estimated that nearly 27 people out of 1,000 will experience a property theft. This doesn’t include losses because of a fire or storm.
Your mobile home insurance policy needs to protect against everyday risks such as fire and theft as well as bigger catastrophes such as hurricanes and floods.
Without hurricane coverage, mobile home owners can have uncovered claims resulting in serious financial loss. Hurricane insurance is designed to pay for damages resulting from storm winds and a flood insurance endorsement pays for damages resulting from storm surge.
Your Kin mobile home policy automatically covers you for hurricanes. Ask your Kin representative about adding flood insurance for just a little extra.
Tips for Lowering Clearwater Mobile Home Insurance Costs
Looking for ways to save even more on your mobile home insurance? Clearwater mobile homeowners are often eligible for these discounts:
- Security device discount.
- In-park discount.
- Mature mobile homeowner discount.
- Primary residence discount.
- Claims-free discount.
- Electronic policy discount.
Preventing and keeping claims down is the number one way to avoid premium increases. When possible, pay for small losses (such as someone stealing a bike) without filing a claim. This keeps you claim free and helps save money over the long haul.
If you have any questions about getting insured in Clearwater, call us at 855-717-0022.
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