What Is the Coverage of a Mobile Home Insurance Policy

mobile home

Mobile home insurance is a type of insurance that helps protect manufactured homes, also called mobile homes. These homes are built in a factory and then transported to their permanent location. Mobile homes differ from traditional stick-built homes in many ways, so they require a different type of insurance. 

Physical Damage

As a mobile homeowner, it’s crucial to have the right insurance coverage in place in case of any damage to your property. While your home insurance policy will likely cover some physical damage, it’s essential to understand what is and isn’t covered to ensure you have the right coverage in place. 

Most home insurance policies will cover damage caused by fire, wind, hail, and lightning. They may also cover damage caused by certain types of water damage, such as from a burst pipe. However, home insurance policies typically exclude damage caused by flooding, so it’s essential to have separate flood insurance if you live in an area prone to flooding.

Personal Belongings

When it comes to personal belongings, it’s essential to know what is and isn’t covered under your mobile home insurance policy. Here’s a quick rundown of what you can expect. 

Generally speaking, your personal belongings are covered under your mobile home insurance policy in the event of a covered loss, such as a fire or theft. However, there are some limits to this coverage. For example, most policies will only cover up to a specific amount per item and may not cover certain items, such as jewelry or collectibles.

It’s also important to note that your personal belongings are only covered while they’re inside your mobile home. So, if you have any items outside, such as a lawn mower or patio furniture, they likely won’t be covered.

To make sure you have the coverage you need for your personal belongings, it’s a good idea to do a home inventory. This way, you’ll know exactly how much coverage you need, and you can be sure to add any additional coverage that may be necessary.


One of the most vital aspects of mobile home insurance is liability coverage. This type of coverage protects you from being held responsible for any injuries or damage that occur to other people due to your actions. Without this coverage, you could be on the hook for thousands of dollars in medical bills and legal fees.

Two types of liability coverage are typically included in mobile home insurance policies: personal liability and property damage liability. Personal liability coverage protects you from being held liable for any injuries that occur to other people due to your actions. This could include anything from someone slipping and falling on your property to being injured by one of your pets. On the other hand, property damage coverage protects you from being held liable for any damage you cause to someone else’s property. This could include anything from accidentally spilling a drink on someone’s couch to causing serious damage to someone’s home with a fire.

The amount of coverage you need will depend on several factors, including the value of your home and the number of assets you have. If you have a lot of assets, consider getting a policy with a higher limit to protect yourself from a potential lawsuit.

Mobile home insurance policies typically have a deductible you need to pay before the coverage kicks in. The deductible amount will vary depending on the policy, but it is typically a few hundred dollars.

Final Thoughts

Mobile home insurance coverage is vital for anyone who owns a mobile home. This type of insurance can help protect your investment in your home, as well as provide liability coverage in the event that someone is injured on your property. Various coverage options are available, so be sure to speak with your insurance agent to determine which policy is right for you.

Get the coverage you need for your mobile home with the help of the Florida Manufactured Home Insurance Agency. We are an insurance agency that offers mobile home insurance in Florida. The policies we provide to homeowners in trailer parks are comprehensive, offering the peace of mind residents are looking for. Get a quote now!

A Guide to Commercial Vehicle Insurance in Florida

Vehicle Insurance

In the state of Florida, commercial vehicles are required to adhere to certain regulations to operate legally. These regulations are in place to ensure the safety of both the drivers and the public. 

One of the regulations about commercial vehicles in Florida is to have proper insurance. To learn more about commercial vehicle insurance in Florida, keep reading below.

What Is Commercial Vehicle Insurance?

Commercial vehicle insurance is a type of insurance that covers vehicles used for business purposes. This includes vehicles such as cars, vans, trucks, and buses. Commercial vehicle insurance typically provides coverage for liability, property damage, and medical expenses. It can also provide coverage for loss of income and other business-related expenses.

What Are Florida’s Laws on Commercial Vehicle Insurance?

In Florida, all commercial vehicles must be insured with liability insurance. The minimum liability insurance you must carry is $10,000 for property damage and $10,000 for bodily injury or death.

You could face serious penalties if you are caught operating a commercial vehicle without the proper insurance. In some cases, you may even have your business license revoked.

In some cases, you may be required to carry higher amounts of liability insurance. This is typically the case if you are transporting hazardous materials or have a history of traffic violations.

What Are the Penalties for Driving Without Commercial Vehicle Insurance?

If caught driving without commercial vehicle insurance, you could face a fine of at least $150. You may also have your driver’s license suspended for up to three years.

The specific penalties you may face depend on the type of vehicle you were driving and whether you have been convicted of driving without insurance in the past.

What to Consider When Choosing Insurance?

There are a few things you should take into account when shopping for commercial vehicle insurance. Here are some key factors to keep in mind:

1. Type of Business

The type of business you run will greatly impact the type of commercial vehicle insurance you need. For example, if you run a taxi service, you’ll need a different policy than a delivery service. Make sure you’re getting quotes for the right type of coverage.

2. Size of Business

The number of vehicles you have and the amount of coverage you need will also be affected by the size of your business. If you have a large fleet of vehicles, you’ll need a more comprehensive policy than if you only have a few.

3. Use of Vehicles

Using your vehicles will also play a role in choosing the right insurance. If you only use your vehicles for business purposes, you’ll likely need a different policy than if you use them for personal use.

4. Value of Vehicles

The value of your vehicles will also be a factor in choosing the right coverage. If you have expensive vehicles, you’ll need a policy that provides more coverage than less expensive ones.

5. Budget

Of course, your budget will also be a key factor in choosing the right commercial vehicle insurance. Make sure you get quotes from a few companies to compare prices and find the best policy for your needs.


Commercial vehicle insurance in Florida is a must for any business that owns or operates a vehicle in the state. Many coverage options are available, and businesses should work with an insurance agent to determine the best policy for their needs. Commercial vehicle insurance can protect businesses from various risks, including property damage, liability, and medical expenses.

If you need auto insurance in Florida, contact us at Florida Manufactured Home Insurance Agency. We offer various insurance products like home, auto, boat, and even golf cart insurance! Get in touch with us to learn more about our products and services.