Best Mobile Home Insurance In Florida For 2024
Foremost emerges as the best choice for Florida mobile home insurance.
Mobile homes, also known as “manufactured homes,” differ from conventional homes when it comes to buying insurance that best protects your mobile home and possessions.
Due to the susceptibility of mobile homes to harsh windstorms, hail, and water damage, it can be tricky to qualify for mobile home insurance in Florida.
If you’re searching for the top mobile home insurance policy for you and your loved ones, several factors warrant consideration, involving coverage features and costs.
To help you in choosing the best coverage at the right cost, we’ve pinpointed the best companies (opting for Foremost as the ‘top pick’ for mobile home insurance) to ensure the protection of your home and assets.
Best Mobile Home Insurance Companies In Florida, 2024
As you'll notice, every company that we've evaluated has earned its place on our roster because of the distinct advantages they offer and the policy features they provide.
It's worth noting that the best policy for you might differ from what's best for your friend, even if they reside just a mile away in another mobile home.
Outlined below are the companies we've chosen, along with a quick overview of some essential criteria to consider:
Compare Florida Mobile Home Insurance Companies In Florida
Now that you've had a glimpse of our top choices in each category, here's a more direct comparison that lines them up side by side:
| Overall Rating | J.D. Power Rating /1000 | A.M. Best Rating | Bundle Discount | Best For | Get A Quote | |
|---|---|---|---|---|---|---|
| Progressive |
|
859 |
A+ |
Yes |
Runner-Up |
Instant Quote |
| Allstate |
|
854 |
A+ |
Yes |
Retirees |
Instant Quote |
| American Family |
|
855 |
A |
No |
Discounts |
Instant Quote |
| American Modern |
|
Not Rated |
A+ |
No |
Specialized Coverage |
Instant Quote |
| Assurant |
|
Not Rated |
A |
No |
Most Comprehensive Coverage |
Instant Quote |
| Foremost |
|
868 |
A |
No |
Overall |
Instant Quote |
| Farmers |
|
792 |
A- |
Yes |
Endorsement |
Instant Quote |
Our Methodology
In creating our "Best For" selection and overall rating, we formed our judgment by considering each company’s standard coverage options, additional coverage offerings, online feedback, financial stability, and ratings for customer satisfaction provided by each insurer.
However, it's important to note that the pricing details for the insurers we assessed were not accessible online.
Quotes Analyzed
Research Hours
Years Of Experience
Brands Reviewed
Best Mobile Home Insurance Companies In Florida
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, offers standard and optional coverage aspects that you’ll find with other mobile home insurers. What sets it apart is the notable feature of “extended replacement cost” coverage.
Under the extended replacement cost coverage from Foremost, in the unfortunate event of your mobile home’s complete destruction, you could qualify for reimbursement that exceeds your policy limit by up to 20%.
An area where Foremost particularly shines is customer satisfaction. Garnering a J.D. Power customer satisfaction rating of 868 out of 1,000, it claimed the leading position among all the insurers we evaluated.
Nonetheless, Foremost doesn’t offer instant quotes through its website. Instead, upon submitting your details via a quote form, you can expect an email quote within 24 hours.
In terms of reach, Foremost holds a prominent status as one of the largest mobile insurance providers in the U.S. The company boasts a network of over 38,000 agents representing its services.
Benefits & Drawbacks
⇅- Endorsed by AARP and offers member discounts
- Provides coverage for individuals with credit challenges
- Issues policies for older mobile homes
- Offers a variety of additional coverage options, including debris removal and food spoilage protection ✓
- Lacks an online application option
- Quote delivery may take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out for its enticing array of discounts tailored to new homeowners, its robust financial stability and satisfaction ratings from customers, coupled with its seamless digital experience.
Navigating through Progressive’s website is a breeze, and the added bonus of receiving instant quotes further enhances the experience. Additionally, a user-friendly mobile app is at your disposal.
What sets Progressive apart from the other mobile home insurers we reviewed is its exceptional “single deductible” advantage. When you bundle your mobile home and auto insurance under Progressive, any claims you file for either policy are treated as a collective entity, negating the need for separate deductibles.
For example, if a hailstorm damages both your mobile home’s roof and your car, and both policies carry a $500 deductible, you’re only required to pay a single deductible, covering the repair costs for both the home and the car.
Furthermore, Progressive extends a bundled discount when you combine your mobile home and auto insurance with them.
Another distinctive offering from Progressive is the “trip collision” endorsement, an option that safeguards your dwelling and personal possessions while your mobile home is being moved between locations.
Benefits & Drawbacks
⇅- Provides the choice for replacement cost coverage
- Offers discounts aimed at new homeowners
- Comes with a mobile app availability ✓
- Consumer ratings are not as favorable as many other mobile home insurers
- Certain policies are underwritten by third-party firms ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅The mobile home insurance offerings by Farmers in Florida are customizable, according to your individual requirements. With agents spread throughout the state, Farmers is equipped to help you in making choices that align with the precise coverage, deductible, and endorsements you need.
Among Farmers’ range of endorsements, options like green-home improvements stand out. This allows you to upgrade appliances and systems to energy-efficient models following a claim.
Additionally, you have the opportunity to sign up for replacement cost coverage for extra personal protection and include identity theft coverage.
Farmers extends several discounts for policyholders. These include having a home security system in place, not smoking, opting for paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Claim forgiveness ensures no rate hikes after five consecutive claim-free years
- Replaces lost or stolen personal property, even when away from home ✓
- Quotes solely available through agents
- Received the lowest J.D. Power score among the insurers reviewed ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Slightly less known than other competitors who have larger advertising campaigns, American Family ranks among the top eight home insurers in the U.S. based on market share. Through its array of discounts, this insurer presents people with a number of ways to lower your monthly premium.
You become eligible for discounts with American Family by:
- Bundling your mobile home and auto insurance
- Installing smart devices like Ring or Nest in your home
- Residing in a newer home purchased within the last three years
- Utilizing the company’s autopay, full pay, and paperless billing features
In addition, American Family introduces diminishing deductible coverage. It credits your deductible by $100 right from the start of your policy – a $1,000 deductible then turns into a $900 deductible the day you secure your policy. Thereafter, each year upon policy renewal, your deductible will continue to decrease, up to your policy’s maximum limit.
Benefits & Drawbacks
⇅- Offers an extensive array of methods to become eligible for discounts
- Features a mobile app capable of monitoring your claim's progress
- Presents a range of supplementary coverage alternatives ✓
- Instances of delayed claims processing have been reported ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern, established in 1949, claims to be a pioneers in mobile home insurance specialization.
A standout feature is its tailored coverage for owners of vacant or seasonal mobile homes, an offering not provided by other reviewed insurers.
American Modern doesn’t offer replacement cost coverage. In cases of total loss, it settles at the value stated on your policy, without a depreciation deduction. For partial loss, actual cash value is paid, but an upgrade option to replacement cost valuation is available.
Benefits & Drawbacks
⇅- Offers a robust mobile app for reporting claims
- Boasts a profound understanding of the mobile home market gained through decades of experience ✓
- Lacks online quoting functionality; quotes must be obtained through an agent
- Does not provide certain discounts available from other insurers ✘
Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Contrary to other mobile home insurance policies, where they exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant stands apart by offering protection against these events.
Assurant’s All Risk coverage is designed to protect against sudden and accidental incidents that directly lead to loss or damage to your mobile home (with a few specified exclusions).
Moreover, its dwelling and personal property replacement cost coverage ensures the replacement of your home and belongings with new items of similar kind and quality, and there’s no deduction for depreciation.
Additionally, Assurant extends its coverage to account for adjacent structures on your property, such as sheds, fences, or detached garages. Furthermore, if a covered loss renders your home uninhabitable, the policy includes provision for additional living expenses incurred during that period.
Benefits & Drawbacks
⇅- Includes flood and earthquake coverage within standard policy
- Offers standard replacement cost for your home and property ✓
- Lacks online quoting feature, requiring calls to a toll-free number between 7 am and 7 pm
- Does not have a mobile app available ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive coverage for everyone, however, it extends a unique discount to retirees aged 55+ and original titleholders of their mobile or manufactured homes, which can make their policies more affordable. Much like several other insurers, Allstate also has a bundle discount option.
What sets Allstate’s mobile home insurance apart from the other companies we reviewed is its distinct “mine subsidence” coverage. This particular coverage protects against damages to your mobile home resulting from a movement of land caused by man-made mining activities. Additionally, Allstate’s coverage includes protection against damages to satellite dish antennas.
Allstate’s standard mobile home coverage is in line with its competitors, offering features like actual cash or replacement cost coverage for your mobile home structure and personal property, liability protection, and coverage for medical expenses of guests. Optional coverages encompass protection against water backup, reimbursement for eco-friendly improvements following a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Offers discounts to retirees and original title holders
- Provides the convenience of a mobile app
- Diverse and valuable optional coverage selections ✓
- Customer experiences may differ based on your local agent
- Lacks instant online quote availability ✘
How To Find The Best Mobile Home Insurance Company For You
To find the best mobile home insurance and the most fitting company for your needs, follow these key steps:
- Gather Multiple Quotes: Handpick a minimum of three companies we’ve reviewed to get quotes from. This helps you to become knowledgeable about mobile home insurance and guarantees you aren’t overpaying for coverage.
- Decide what perils you want covered: While fire protection is a standard inclusion in mobile home policies, weigh the risks specific to your location. If you live near water bodies or mountains prone to flooding, you may need a separate flood insurance policy.
- Determine the cost of your valuables: Calculate the value of your unique items, then combine this total with your other belongings. This will help you in choosing the right policy limits. This exercise ensures you neither over-insure nor overspend.
- Consider Home Upgrades: When requesting a quote, factor in any upgrades, renovations, or significant work that might impact the value of your mobile home.
Before or after getting a quote, photograph valuable items, record serial numbers of appliances and belongings slated for coverage. Safeguard this information in a resilient, fire-resistant container, or at a separate location. This will prove invaluable in the event of a claim.
What Does Mobile Home Insurance Cover?
A typical mobile home policy commonly has the following coverage:
Dwelling Coverage
This coverage pays for repairing or replacing your mobile home’s structure in the event of damage caused by incidents outlined in your policy, up to a limit of your preference.
You’ll also select a deductible, the amount you’re responsible for paying before the insurer pays any amount for an approved claim.
Coverage typically extends to events such as these:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Personal Property Coverage
This covers the cost of replacing or mending electronics, furniture, and other possessions in case they are damaged or stolen.
Other Structures Coverage
Covers the expenses for mending a shed, fence, or any unattached structure to your mobile home, when it sustains damage due to an event covered by your policy.
Liability Insurance
Provides coverage in scenarios where a guest gets injured and takes legal action against you, or if you inadvertently cause harm to others’ property or well-being. Liability insurance commonly extends to include associated legal costs.
What Does Florida Mobile Home Insurance Not Cover?
Each insurance policy has its own collection of coverage exclusions. When it comes to mobile home insurance, these types of damage are often excluded:
Flooding
In instances where your insurance policy doesn’t account for flood-related damages, and your residence is situated in a high-risk zone, like Zone AH, our recommendation is to explore a separate flood insurance policy.
Earthquakes
While Florida is not typically prone to earthquakes, mobile home insurance here generally doesn’t provide coverage for “earth movement.”
Wear and Tear
Insurance covers abrupt, unintentional damages, but it does not extend to the natural wear and tear that items experience with age.
Insect or Animal Infestation
Insurance cover pest prevention as part of ordinary maintenance, which isn’t under coverage.
Damage Linked to Business Use
If your mobile home serves as a business space, you might require a commercial policy to ensure comprehensive protection.
Do You Need Mobile Home Insurance In Florida?
We are confident that mobile home insurance is essential for your residence in Florida, “The Sunshine State.”
Firstly, if you are securing a mortgage for your mobile home, your lender will likely require insurance coverage.
Additionally, residences across Florida, whether mortgaged or not, face the uncertainties posed by potent thunderstorms with destructive winds, hail storms, tornadoes, tropical storms, and hurricanes originating from Florida, or emerging from the Atlantic Ocean.
Lastly, it’s prudent to check with your mobile home park or community management to see whether mobile home insurance is obligatory for residents in your specific locality.
Largest Manufactured Home Insurance Providers In Florida
| Provider | Market share |
| Foremost | 4.1% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
| Progressive | 1.8% |
| State Farm | 8.34% |
Average Cost Of Manufactured Home Insurance In Florida
Although none of the insurers we’ve evaluated show prices on their websites, we estimate that mobile home insurance expenses in Florida might range from $50 to $135 per month.
The exact cost hinges on variables such as your chosen coverage limits, deductible, selected options, and other determinants outlined below.
Several factors influence the pricing of your mobile home insurance policy in Florida, including:
- Location (Zip Code)
- Home Age
- Replacement Cost
- Coverage Choices
- Deductible
- Claims History
All the insurers we’ve reviewed offer varied discounts to mobile home insurance policyholders, such as the option to bundle your coverage with auto insurance.
How To Buy Mobile Home Insurance Online In Florida
By adhering to these steps, procuring a mobile home insurance policy online can be a straightforward and relatively swift process.
Determine Your Coverage Needs
Begin by establishing the amount of protection you require. Alongside your dwelling, tally up the contents value of your mobile home to calculate the property damage limits necessary for replacing your home and valuable possessions.
Get an Online Quote
The majority of mobile home insurance providers in Florida allow you to get a quote online. Furthermore, certain websites even offer coverage and cost comparisons, simplifying the process of online coverage shopping.
Complete the Application
Once you’ve determined the coverage amount that aligns with your budget, you’ll proceed to fill out an application for coverage. Many insurers’ websites allow you to complete this application online. However, certain insurers might necessitate an in-person meeting with an agent to finalize the application.
How To Find Cheap Mobile Home Insurance In Florida
If you’re seeking cheap mobile home insurance in Florida, it’s advised that you get quotes from a minimum of three insurance providers. You’ll discover that rates fluctuate among insurers for both fundamental coverage and optional offerings. During this process, it’s wise to inquire about potential discounts you may be eligible for.
However, we advise against selecting an insurer solely based on price. It’s essential to ensure you’ve established appropriate coverage limits and that the quotes you receive offer a true apples-to-apples comparison.
Unique Considerations For Florida Mobile Home Insurance
Florida is known to be prone to a variety of challenging weather conditions, including:
- Wildfires
- Destructive Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
In light of these circumstances, our suggestion is for every mobile home owner in Florida to ensure they have sufficient coverage.
Looking For Mobile Home Insurance In Other U.S. States?
FAQs
Is mobile home insurance more expensive in Florida?
Typically, mobile home insurance rates in Florida align closely with those in neighboring Southeastern states, except for Florida, where numerous insurers refrain from providing coverage for mobile homes.
How are mobile home insurance rates determined?
Mobile home insurance rates are influenced by a multitude of factors, encompassing your geographical location, chosen coverage limits, deductible preferences, and potential discounts that are applicable to your policy.
Do you need mobile home insurance in Florida?
While there is no legal obligation dictated by the state, your mortgage company might stipulate insurance coverage for your mobile home. Nevertheless, irrespective of mortgage arrangements, we highly recommend securing mobile home insurance.
