Mobile and manufactured home insurance

Manufactured homes face unique risks, particularly wind exposure, that standard homeowners policies don't fully address. We help you find coverage built for the structure type. South Florida's manufactured home communities, from Homestead to parts of Miami-Dade and Broward, sit in some of the state's highest wind and flood exposure zones, making the right anchoring and windstorm coverage especially important.

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Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice. Contact us to review your options.

What it may cover

  • Dwelling coverage for the manufactured or mobile home structure
  • Personal property inside the home
  • Liability if someone is injured on the property
  • Tie-down and anchoring related wind damage provisions
  • Loss of use if the home becomes uninhabitable
  • Carport, shed, and Florida room attachments in many policies

Who it's for

  • Owners of manufactured or mobile homes on owned or leased land
  • Residents of manufactured home communities
  • Buyers financing a manufactured home purchase
  • Snowbirds who own a manufactured home in Florida seasonally

Why it matters

Manufactured homes have different construction standards and wind vulnerability than site-built homes, which carriers underwrite differently. A policy designed for the structure type closes gaps a standard policy would miss, and in a hurricane-exposed market like Miami-Dade, proper tie-down documentation can directly affect both eligibility and claims outcomes.

Common coverage options

Replacement cost

Pays to replace the home with a comparable unit at current cost.

Actual cash value

Lower-cost option factoring in depreciation.

Named storm and wind-only coverage

Add-on or standalone coverage addressing wind exposure specific to hurricane-prone areas.

What affects the price

  1. 01Home age and tie-down or anchoring system
  2. 02Location and flood zone
  3. 03Whether the home is on owned land or in a community
  4. 04Roof age and condition

Questions to ask before buying

Is the home covered for wind damage specifically?
Does the policy require a certain tie-down standard?
Are skirting and add-on structures covered?
Is flood coverage included, or does it require a separate policy?

Ready to explore your options?

Our licensed agents in Miami can help you compare coverage and find the right policy. No pressure, just clear answers.

(786) 340-3710

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Frequently asked questions

Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.

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