A Brief Overview of Manufactured Home Insurance in Florida

home insurance

If you’re a Florida resident considering purchasing a manufactured home, it’s important to be aware of the unique insurance considerations with this type of dwelling. Here are a few things you should know about manufactured home insurance in Florida:

What Is a Manufactured Home?

A manufactured home is a factory-built dwelling transported to its permanent location in one or more sections. These homes are also commonly referred to as mobile homes.

A manufactured home is a home that is built in a factory and then transported to a site where it will be occupied. Manufactured homes are also known as mobile homes, factory-built homes, or prefab homes.

Manufactured homes are a popular choice for many homebuyers because they are typically more affordable than site-built homes. Manufactured homes can also be easier and faster to build than site-built homes, saving homebuyers time and money.

There are several important things to know about manufactured homes before you buy one. Manufactured homes must meet certain federal standards designed to protect homebuyers. Manufactured homes are also subject to state and local building codes, varying from one area to another.

When considering buying a manufactured home, it is important to work with a qualified manufactured home dealer or retailer. A qualified dealer or retailer can help you navigate the process of buying a manufactured home and can answer any questions you may have.

Know Your Basic Manufactured Home Insurance Coverage

If you own a manufactured home, it’s important to understand your basic insurance coverage. A standard homeowner’s insurance policy covers most manufactured homes, but there are some important differences to be aware of.

Homeowner’s Insurance

First, let’s review some of the basics of homeowner’s insurance. A typical policy will cover the structure of your home, personal belongings, and liability if someone is injured on your property. Most policies will also cover temporary living expenses if your home is uninhabitable due to a covered event, like a fire.

Key Differences between Manufactured Home Insurance and Traditional Homeowner’s Insurance

One of the biggest differences is that manufactured homes are often classified as personal property rather than real estate. This means that your coverage may be more limited than it would be for a traditional home. For example, most manufactured home insurance policies will not cover the cost of relocating your home if it needs to be moved for repairs or renovations.

Another key difference is that manufactured homes are often not attached to a permanent foundation. This means they may be more susceptible to damage from weather events like high winds. As a result, you may need to purchase additional coverage, like windstorm insurance, to be fully protected.

Finally, it’s important to note that most manufactured homes are not eligible for standard homeowner’s insurance discounts. You may need to pay a higher premium to insure your manufactured home.


There are many things to consider when purchasing manufactured home insurance in Florida. It is important to work with an insurance agent who is familiar with the specific needs of manufactured homes. Manufactured homes can still be an excellent investment. And with the right insurance coverage in place, you can protect your investment and enjoy peace of mind.

Are you looking for manufactured home insurance in Florida? Check us out at Florida Manufactured Home Insurance Agency. We offer various insurance products like auto, home, boat, and even golf cart insurance. Contact us today to learn more.