Mobile home insurance for Fort Myers

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Not only is Fort Myers one of the top places to retire in the US, it’s also home to over 100 mobile home parks. What’s the big draw? Probably its sunny weather, outdoor activities, and proximity to gorgeous beaches. 

But living close to the water also puts you at high risk for hurricane damage. Getting quality mobile home insurance is an important part of returning to normal should bad weather hit.

How much does mobile home insurance cost in Fort Myers?

As a Florida resident, you’re probably aware of the high price of home insurance in the Sunshine State. Those issues, like reinsurance and excessive litigation, also affect the cost of mobile home insurance in Florida. 

Fort Myers’ chance of experiencing hurricanes creates an extreme wind risk means your premiums may be above the state’s average. So does your city’s higher-than-average property crime rate.

However, location isn’t the only thing that affects home insurance premiums. The age, construction, and size of your mobile home all play a role in your premium, as does your claims history.

That means you may find a better mobile home insurance rates if your home has: 

  • Anchor ties that meet city codes.

  • A fully enclosed foundation or skirt.

  • Handrails installed anywhere with three or more steps.

  • A well-maintained facade and property.

While averages give you an idea about home insurance rates, the only way to know for sure what you’ll pay for your coverage is to apply for a quote.

What Fort Myers mobile home insurance covers

If you have shopped for mobile home insurance before, you’re probably used to overpaying for coverage that underinsures your home.

We’re changing that. Our policies are competitively priced and offer replacement cost coverage for your dwelling. That means when catastrophe strikes, you’ll have the coverage to help pay for a new home after a total covered loss.

Our policies offer the following coverages:

  • Replacement cost dwelling coverage: Pays to replace or repair your mobile home with a similar, new model.
  • Other structures coverage: Covers costs associated with replacing or repairing other structures on your property, such as a fence or shed.
  • Personal property coverage: Pays to replace personal belongings, such as clothing, laptops, televisions, furniture, appliances, and more.
  • Loss of use coverage: Covers additional living expenses when a claim forces you to temporarily relocate.
  • Personal liability coverage: Pays for legal expenses when you’re sued over bodily injuries or property damage that happen on your property.
  • Medical payments coverage: Helps pay for small medical bills associated with visor injuries on your property.

Your policy also includes hurricane insurance to pay for damage caused by hurricane winds.

You can customize your policy with endorsements to further protect your mobile home. For example, our flood endorsement is both affordable and offers essential flood protection for Fort Myers.

Tips for lowering mobile home insurance costs

Don’t pay more for your coverage than you have to. We’ll help you get as many discounts as you qualify for, such as:

  • Security device discount.
  • In-park discount.
  • Mature mobile homeowner discount.
  • Primary residence discount.
  • Claims-free discount.
  • Electronic policy discount.

You can also

keep your rates manageable by only filing bigger claims when you need to and handling smaller losses on your own. As a general rule, if the loss is lower than your deductible, that’s a repair that should probably be handled outside of insurance.

You can also lower your premium by taking on a higher deductible. But as we mentioned above, your insurance should only help pay for losses greater than your deductible. So a word of caution: don’t take on a deductible so high that it prevents you from reasonably using your coverage when you need it.

Have any questions about getting insured in Fort Myers? Call us at 855-717-0022.

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