Dwelling (Coverage A)
Covers the structure of the home (walls, roof, built-in systems) against covered perils, up to your dwelling limit.
Mobile & Manufactured Home Insurance
Mobile & Manufactured Home Insurance in Florida and Georgia
Coverage for HUD-code manufactured homes and pre-HUD mobile homes, with carriers that understand wind exposure, tie-down requirements, and roof-age underwriting in Florida. We compare specialty mobile home carriers and explain what your policy actually pays for before you bind.
Why this matters
Mobile home insurance is its own market with its own rules.
Manufactured and mobile homes are insured under specialty policy forms that don't look like standard homeowners coverage. Carriers underwrite based on the home's HUD-code status (pre or post June 15, 1976), how it's anchored, the roof's age and material, and where it sits relative to wind exposure. The Florida market for these homes is more specialized than for site-built homes, and the cheapest quote often comes from a carrier that won't write the home at all if the underlying facts don't match.
Whether you own a newer manufactured home on your own lot, a pre-HUD mobile home in a long-established park, a double-wide as a primary residence, or a single-wide as a vacation property, we'll match the policy to the actual home and explain where Florida's wind and tie-down rules will affect both pricing and coverage.
What's covered
What a mobile home policy includes.
Other structures (Coverage B)
Carports, sheds, detached screen rooms, fences, and similar structures separate from the main home, typically up to a percentage of the dwelling coverage.
Personal property (Coverage C)
Furniture, electronics, clothing, and other belongings inside the home, often a percentage of the dwelling by default.
Loss of use (Coverage D)
Additional living expenses (hotel, food, transportation) while you're displaced from a covered loss, up to a sublimit.
Personal liability (Coverage E)
Pays if you're sued for bodily injury or property damage you cause to others, up to your liability limit.
Medical payments (Coverage F)
Small medical coverage for guests injured at your home, regardless of fault, typically up to $1,000 to $5,000.
Gaps
What mobile home coverage doesn't cover.
Flood damage
Excluded from every standard mobile home policy. Flood is written separately through NFIP or private flood carriers. Especially important for mobile and manufactured homes, which are particularly vulnerable to flood damage.
The home while it's being moved
Standard policies generally exclude damage during transportation. A separate trip collision or transit endorsement is required specifically for the period the home is being moved.
Earth movement and sinkholes
Earth movement (earthquake, landslide) is excluded. Florida sinkhole coverage is an optional separate endorsement, not part of standard mobile home coverage.
Termites and other pest damage
Pest damage is excluded from every mobile home policy. Termites, rodents, and similar pest issues are treated as maintenance, not as covered losses. Regular pest inspection and treatment is the only way to manage this exposure.
Routine wear and gradual damage
Mobile home policies cover sudden accidental damage, not gradual wear, deferred maintenance, rot, rust, or routine deterioration. Slow leaks and long-term water damage are common claim denials.
Damage from inadequate tie-downs
Wind damage on a home that isn't properly anchored per current Florida requirements can be denied or reduced. Carriers expect homes to meet installation standards as a condition of coverage.
State knowledge
What to know about mobile home insurance in Florida and Georgia.
Florida
Tie-down rules apply
Hurricane deductible applies
HUD-code matters
Florida has one of the largest manufactured home populations in the country, especially in retirement communities and park-based developments. State installation rules require manufactured and mobile homes to be properly anchored based on wind exposure zone, and carriers underwrite around whether the home meets those rules. Hurricane deductibles apply to mobile home policies the same way they apply to homeowners (typically a percentage of Coverage A). HUD-code status drives carrier availability: post-1976 manufactured homes have broader market access, while pre-1976 mobile homes are usually limited to specialty carriers or Citizens Property Insurance.
Georgia
No mandatory hurricane deductible
Wind and tornado exposure
HUD-code still matters
Georgia's manufactured home market is more stable than Florida's. Hurricane deductibles are not mandatory, and most policies use a flat all-perils deductible. Wind and tornado exposure still matters for underwriting and pricing, particularly in northern Georgia. HUD-code distinction applies the same way, with pre-1976 mobile homes facing more limited carrier availability. We write mobile and manufactured homes in both states from our offices in Saint Augustine and Saint Johns.
Limits
Coverage limits to consider.
The first decision on a mobile home policy is whether the home itself qualifies for the standard market or needs a specialty carrier. HUD-code manufactured homes (built after June 15, 1976) have access to a broader carrier base. Pre-HUD mobile homes are usually written by specialty carriers or Citizens Property Insurance, sometimes with more restrictive coverage forms (named perils instead of open perils, actual cash value instead of replacement cost).
Dwelling coverage should reflect the cost to replace the home, including the foundation, attached structures, and any improvements. For older manufactured homes, replacement cost coverage may not be available, and the policy may default to actual cash value. We confirm which form is available for your specific home before sizing Coverage A.
Roof age is a major underwriting factor, often stricter than on site-built homes. Many carriers will not write or renew mobile home policies with metal roofs over 25 years or asphalt shingle roofs over 15 years. Roofs near or past these thresholds often need replacement before a policy can bind, and we shop across carriers to find the most favorable roof-age rules for your home.
The hurricane deductible follows the same percentage-of-Coverage-A structure as homeowners. A 5% deductible on a $90,000 mobile home is $4,500 out of pocket per named storm, which is a significant exposure for many manufactured home owners. We walk through the deductible math during the coverage review and recommend a level you could comfortably absorb after a storm.
Broader market access
HUD-code
Manufactured homes built after June 15, 1976 to federal construction standards. Broader carrier appetite, more coverage options, often replacement cost available. The standard path for newer manufactured homes.
Specialty carriers only
Pre-HUD
Mobile homes built before June 15, 1976. Limited to specialty carriers or Citizens Property Insurance. Coverage may be restricted (named perils, actual cash value), and the available market is smaller.
Common scenarios
Situations that change your mobile home coverage.
Buying a manufactured home
Lenders typically require coverage at closing. We can quote before you buy so the HUD-code status, roof age, and any inspection requirements are known up front.
Moving the home to a new location
Standard policies exclude transit. We coordinate trip collision coverage for the move itself and update the destination policy so coverage is continuous.
Replacing the roof
A new roof often opens up carriers that wouldn't write the older roof and can produce wind-mitigation credits. Update the policy and re-shop after replacement.
Adding a screen room, carport, or sunroom
Permanently attached structures change the dwelling value and may trigger separate sublimits. We adjust Coverage A and confirm what the attached structure language includes.
Buying a pre-HUD mobile home
Pre-1976 homes are a specialty market with limited carrier options. We confirm what's available for the specific home before the deal closes.
Moving from a park-rented lot to an owned lot
The policy form and underwriting can change when the lot ownership situation changes. We re-rate to reflect the new structure and update the policy.
Premium and discounts
What goes into your mobile home premium.
What affects your premium
Mobile home premiums depend on a different mix of factors than site-built homes. The biggest movers are the home's HUD-code status, year built, dimensions (single-wide, double-wide, triple-wide), foundation and tie-down type, roof age and material, and location. A 2010 double-wide on its own lot with a recent roof rates very differently from a 1985 single-wide in a park with an aged roof, even at similar dwelling values.
Wind exposure is the next major factor in Florida. Distance to coast, the wind zone the home sits in, and whether the home meets current installation standards all affect both pricing and availability. Park-rented situations and owned-lot situations also rate differently because of how carriers evaluate the surrounding risk.
No two carriers weight these factors the same way. Some specialty mobile home carriers price aggressively on HUD-code homes and discount older ones away; others actively write older homes that the standard market avoids. We compare across multiple appointed mobile home carriers to find the right combination of coverage and price.
Discounts that may apply
Mobile home discounts work similarly to homeowners discounts, with some line-specific additions like tie-down credits and age-of-home credits.
Proper anchoring and tie-downs
Homes documented to meet current state installation requirements, with newer or upgraded tie-down systems, can carry credits and access more carriers.
New or recently replaced roof
A new roof produces credits with most mobile home carriers and can restore eligibility with carriers that wouldn't write the older roof.
Protective devices
Monitored security systems, smoke detectors, deadbolts, and similar features can each carry small credits.
Multi-policy and payment
Bundling mobile home with auto when the same carrier writes both, plus paid-in-full and autopay discounts on the policy itself.
Available discounts vary widely between carriers. We check what you actually qualify for as part of the coverage review and tell you when a carrier's discount lineup makes more sense for your specific home than another's.
Decisions
When you actually need each coverage.
Is my home HUD-code or pre-HUD?
If the home was built after June 15, 1976, it's HUD-code and has access to the broader manufactured home insurance market. If it was built before, it's a pre-HUD mobile home and the available market is narrower, usually limited to specialty carriers or Citizens Property Insurance. The HUD data plate (a metal tag on the home) confirms the date, and we'll help locate it if you're not sure.
Do my tie-downs need to be inspected or updated?
Yes, especially for older homes in Florida wind zones. State installation rules require manufactured and mobile homes to be properly anchored based on wind exposure, and carriers underwrite around current tie-down condition. Tie-down upgrades can both improve insurability and produce premium savings.
What hurricane deductible should I choose?
The hurricane deductible is a percentage of Coverage A and is one of the most impactful premium levers on a Florida mobile home policy. A 2% deductible costs more in premium but means less out of pocket after a storm. A 5% or 10% deductible saves on premium but means a substantially larger payment if a named storm causes damage. Pick a deductible you could comfortably absorb after a storm.
Do I need flood insurance for my manufactured home?
In most Florida coastal and low-lying areas, yes. Manufactured homes are particularly vulnerable to flood damage because of how they sit on the ground or on shorter foundations. Flood is excluded from every mobile home policy, so a separate NFIP or private flood policy is the only way to cover this exposure. Lenders typically require it in designated flood zones.
Carriers
Carriers we work with for mobile home coverage.
We write mobile and manufactured home coverage through multiple carriers, including specialty mobile home insurers that focus on this product line. The right fit depends on the home's HUD-code status, age, roof condition, anchoring, location, and whether you own the lot or rent in a park.
Each carrier has a different appetite. Some specialize in newer HUD-code homes on owned lots, some in park-based homes, some in pre-HUD mobile homes that other carriers won't write. The Florida mobile home market changes regularly, so the right carrier this year is not always the right carrier next year. We re-shop at renewal when it makes sense.
American Modern
American Integrity
Tower Hill
Allstate (GA)
Carrier appointments vary by line and state. Available carriers depend on the home, your specific situation, and underwriting eligibility. Pre-HUD homes and older roofs have narrower available carrier options.
Questions
Mobile home insurance questions we hear a lot.
What's the difference between a mobile home, manufactured home, and modular home?
Mobile homes are technically homes built before June 15, 1976, when the federal HUD Code took effect. Manufactured homes are built after that date to federal HUD construction standards. Modular homes are factory-built but constructed to local building codes (the same codes that apply to site-built homes) and are usually insured under standard homeowners policies, not mobile home policies. The distinction matters because pre-HUD mobile homes are harder to insure and have fewer available carriers than newer manufactured homes.
Does mobile home insurance cost more than regular home insurance?
Per dollar of dwelling coverage, mobile home insurance often costs more than insurance on a comparably-valued site-built home because mobile and manufactured homes have higher wind and storm vulnerability. In absolute dollars, premiums vary widely based on the home's age, HUD-code status, anchoring, location, and other factors. Florida specifically rates manufactured homes carefully given hurricane exposure.
What's HUD-code and why does it matter for insurance?
HUD-code refers to the federal Manufactured Home Construction and Safety Standards that took effect on June 15, 1976. Manufactured homes built after that date are built to federal construction standards that include wind, fire, and structural requirements. Pre-HUD mobile homes were built before federal standards existed. Most insurance carriers will only write HUD-code manufactured homes, and pre-HUD homes are usually limited to specialty carriers or Citizens Property Insurance.
Does my insurance cover the home while it's being moved?
Most standard mobile home policies exclude coverage during transportation. A separate trip collision or transit coverage endorsement is generally available specifically for the period the home is being moved. If you're planning to relocate the home, we coordinate the transit coverage and the destination policy so coverage is continuous through the move.
Are tie-downs required and do they affect insurance?
Yes. Florida requires manufactured and mobile homes to be installed and anchored according to state installation rules, with stricter requirements in high-velocity wind zones. Insurance carriers underwrite based on whether the home is properly anchored, the age of the tie-down system, and whether it meets current wind-load requirements. Inadequate or aged tie-downs can affect both availability and pricing.
Does mobile home insurance cover flood damage?
No. Flood damage is excluded from every standard mobile home policy. Flood is written separately through the National Flood Insurance Program (NFIP) or through private flood carriers. Mobile and manufactured homes in flood-prone areas are particularly vulnerable, and flood coverage is often required by lenders and recommended for any home in or near a designated flood zone.
What about hurricane damage to a mobile or manufactured home?
Hurricane damage to a properly insured and properly anchored manufactured home is generally covered, subject to Florida's hurricane deductible structure (typically a percentage of Coverage A). Manufactured homes are more vulnerable to wind damage than site-built homes, which is reflected in both premium and underwriting. Tie-down compliance and roof condition both matter at claim time.
Can I insure a pre-1976 mobile home?
Yes, but with fewer carrier options. Pre-HUD mobile homes are usually limited to specialty mobile home carriers or Citizens Property Insurance. Coverage is often more restrictive (sometimes only actual cash value, sometimes only named perils) and tie-down condition, roof age, and overall maintenance matter even more in underwriting. We work with the carriers that still write pre-HUD homes in Florida.
Do I need different coverage if I own the lot vs rent in a park?
Yes, both for what's covered and what carriers will write. Owning the home and the lot gives the most flexibility. Owning the home and renting a lot in a park is a different policy structure, and some carriers prefer one over the other. Park-rented situations also need to consider what the park's master policy (if any) covers and what the park rules require of tenants.
Are my carport, shed, and screen room covered?
Permanently attached structures like screen rooms and carports may be covered under Coverage A if they're considered part of the dwelling, or under Coverage B (other structures) if separate. Sublimits often apply, and damage from wind can be particularly limited on these attached structures. We confirm what your specific policy includes and recommend adjustments for higher-value attached structures.
What about damage from termites or other pests?
Termite and pest damage is excluded from every mobile and manufactured home policy. Pest damage is treated as a maintenance issue, not a sudden accidental loss. Regular pest inspection and treatment is part of owning any home in Florida and is the only practical way to manage this exposure.
How does roof age affect my insurance?
Significantly, especially in Florida. Roof age is a major underwriting factor on manufactured homes, often stricter than on site-built homes. Many carriers will not write or renew policies with metal roofs over 25 years or asphalt shingle roofs over 15 years. Roofs near or past these thresholds often need replacement before a policy can bind.
Can I bundle mobile home with auto?
Yes, when the same carrier writes both lines. Some specialty mobile home carriers also write auto and offer multi-policy discounts. In Florida specifically, the best mobile home carrier and the best auto carrier are sometimes different companies, in which case splitting policies still produces the best overall premium. We compare both before recommending.
How fast can I get a mobile home insurance quote?
Most mobile home quotes can be started the same day. Carriers ask for the property address, home year and HUD-code status, make and model, dimensions (single-wide, double-wide, etc.), foundation and tie-down type, roof age and material, prior insurance history, and whether you own the lot or rent in a park. Older or pre-HUD homes may require additional documentation and an inspection.
Related
Coverage that pairs with mobile home.
Ready to compare your mobile home coverage?
Send us your current declarations page, give us a call, or request a free quote. We'll review what you have and walk you through the options.