Florida Mobile Home Insurance Data: Demand, Market Numbers & What Buyers Ask
Most pages about mobile home insurance in Florida repeat the same advice. This one publishes numbers instead: 16 months of search-interest data from our own Google Search Console, 100 genuine written inquiries sent through this website (2022–2026), 292 Google reviews of our agency (2017–2026), and the latest verified figures from the Florida Office of Insurance Regulation, Citizens, the U.S. Census Bureau, HUD and FEMA.
Published by Bassine Insurance Agency LLC, North Fort Myers, FL · every figure below states its source and date.
When Floridians shop for mobile home insurance — what our search data shows
Over the 16 months from March 2025 through June 2026, search queries about mobile and manufactured home insurance generated 45,673 Google impressions for our site — 40% of all 113,640 classed, non-brand impressions we measured. That makes it the single largest insurance line people find us for, ahead of auto (24,370), boat (22,167), golf cart (11,840) and site-built home & condo queries (9,590).
The spring peak is real — and it repeats
Mobile-home insurance search interest peaked in March both years (4,040 impressions in Mar 2025; 5,136 in Mar 2026) and bottomed out in September (1,716) — a 3.0× swing. April is the second-strongest month both years (3,891 and 4,640). If your policy renews in fall, you are shopping in the quiet season; the market's attention — and ours — is busiest right before hurricane season starts in June.
Monthly data table
| Month | Mobile/manufactured-home impressions |
|---|---|
| 2025-03 | 4,040 |
| 2025-04 | 3,891 |
| 2025-05 | 2,590 |
| 2025-06 | 2,019 |
| 2025-07 | 2,018 |
| 2025-08 | 2,100 |
| 2025-09 | 1,716 |
| 2025-10 | 2,496 |
| 2025-11 | 2,649 |
| 2025-12 | 2,886 |
| 2026-01 | 2,925 |
| 2026-02 | 2,472 |
| 2026-03 | 5,136 |
| 2026-04 | 4,640 |
| 2026-05 | 2,371 |
| 2026-06 | 1,724 |
Source: Google Search Console for mobilehomeinsuranceagencyfl.com, Mar 1 2025 – Jun 30 2026. Impressions measure how often our pages appeared in Google results for each query class; brand-name queries are excluded and the five classes are non-overlapping. This is search interest reaching one agency's site — not statewide search volume or market size.
What people actually write to a Florida mobile home insurance agency
Between April 2022 and June 2026 this website received 156 form submissions, 138 of which included a written message. After removing our own monitoring tests (23) and spam (15), 100 genuine written inquiries remained. They are remarkably consistent:
| What the 100 genuine inquiries show | Count | Share |
|---|---|---|
| Ask about mobile / manufactured home insurance | 85 | 85% |
| Request a new quote up front | 87 | 87% |
| State the property's city or community | 72 | 72% |
| — of those, Bradenton–Sarasota corridor | 41 | 57% of located |
| — elsewhere in Florida | 21 | 29% of located |
The Bradenton–Sarasota concentration mirrors where Florida's big 55+ manufactured-home communities sit — inquiries routinely name parks like Trailer Estates and Venetian Park Estates. (Remaining city groups fall below our 5-count reporting floor and are not broken out.)
The recurring stories
Across reviews and inquiries, 13 customers described the same situation: dropped, non-renewed, or unable to find coverage elsewhere before ending up with us. The most common written questions beyond “quote me”: can an older home still be insured, what will it cost, and how fast the online quote process works.
Source: Elementor form submissions on this site, Apr 2022 – Jun 2026, classified and aggregated with a minimum published cell of 5; full method in the methodology section.
The Florida mobile home insurance market, in numbers
As of March 31, 2026, Florida had 261,010 mobile homeowner (multi-peril) policies in force, written by 19 companies with $500.9M in direct written premium. Counting dwelling-fire and wind-only mobile-home forms, the total is 288,353 policies. For scale: Florida has roughly 16 conventional homeowners policies for every mobile homeowners multi-peril policy.
| Top writers — mobile homeowners (multi-peril) | Policies in force | Share of line |
|---|---|---|
| American Traditions Insurance Company | 65,178 | 25.0% |
| Citizens Property Insurance Corp. | 60,179 | 23.1% |
| Tower Hill Insurance Exchange | 39,033 | 15.0% |
| Foremost Insurance Co. (Grand Rapids) | 19,171 | 7.3% |
| Kin Interinsurance Network | 14,071 | 5.4% |
| Safe Harbor Insurance Company | 12,023 | 4.6% |
| Unique Insurance Company | 11,480 | 4.4% |
| All other writers (12 companies) | 39,875 | 15.3% |
Source: Florida Office of Insurance Regulation, Market Intelligence Report, Q1 2026 (data as of Mar 31, 2026; retrieved Jul 13, 2026). The OIR notes MIR data is not audited before publication.
Why the state-run insurer matters here
Citizens is Florida's #2 mobile home insurer with 60,179 policies — about 23% of the line. Two things worth knowing from Citizens' own publications:
• Citizens has shrunk dramatically: 278,246 total policies in force on June 30, 2026, down more than 76% from its 1.41-million peak in October 2023 as private carriers took policies back. In our five-county area its multi-peril counts (all personal residential lines, not mobile-home-only) are now Lee 6,137, Manatee 5,097, Sarasota 4,598, Charlotte 2,233, Collier 1,914.
• Citizens' 2026 rates went down, effective July 1, 2026: homeowners multiperil by an average of 8.8%, wind-only by 5.5%, and every personal line by at least 2%. If your last quote comparison is a year old, it is out of date.
Sources: Citizens Property Insurance Corporation — Policies in Force reports (Jun 30, 2026 snapshot and county detail) and Mar 4, 2026 press release; retrieved Jul 13, 2026.
Where Florida's mobile homes are: 115,059 in our five counties alone
Florida has 825,085 mobile homes — 8.0% of all housing units in the state. The five Southwest Florida counties we quote most hold 115,059 of them. Manatee County has the highest concentration: 13.7% of all its housing units are mobile homes.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year Estimates, Table B25024 (units in structure); retrieved Jul 13, 2026. ACS figures are survey estimates.
Four things that verifiably move a Florida mobile home premium
1. Wind-mitigation credits are required by law — including mobile-home-specific ones
Florida Statute 627.0629 requires insurers to file discounts for construction features that reduce windstorm losses. For mobile homes specifically, it mandates credits for homes built to the ANSI/ASCE 7-88 wind standard and allows discounts of up to 10% of the annual premium for verified tie-down compliance. The uniform inspection form (OIR-B1-1802) is valid for up to five years — and a new version took effect April 1, 2026, so a fresh inspection may read differently than your last one.
2. June 15, 1976 is the dividing line
Every manufactured home built after June 15, 1976 must carry a HUD certification label (the “HUD tag”) proving it was built to federal construction and safety standards. In our experience quoting across carriers, homes without that tag — pre-1976 homes — have far fewer markets available; that is a market observation from our desk, not a HUD rule.
3. Mobile home policies are usually actual cash value
Citizens' own coverage guide illustrates the structure: Coverage A on a mobile home policy is based on actual cash value (replacement cost minus depreciation), other structures default to 10% of Coverage A, contents to 25% — and sinkhole loss coverage is included at no extra premium. Knowing whether a quote is ACV or replacement-cost is the first question to ask when two prices look far apart.
4. Flood is never in the policy
Mobile home policies exclude flood. Through the NFIP you can buy up to $250,000 building / $100,000 contents coverage, and a manufactured home must be anchored to a permanent foundation to be eligible. FEMA's own claims data shows nearly one-third of 2014–2024 NFIP claims came from low- to moderate-risk zones — being outside a high-risk zone is not the same as being dry. Citizens also notes most of its wind-covered policyholders are now required to carry flood.
Sources: Fla. Stat. §§ 627.0629, 627.711 and Florida OIR wind-mitigation resources; HUD manufactured-home resources; Citizens “Mobile Home Policies: Types of Coverage” (04/24); FEMA “Manufactured Homes & NFIP Coverage” fact sheet (Aug 2025). All retrieved Jul 13, 2026.
Where every number comes from
Written inquiries (n=100). All 156 submissions to this site's forms, Apr 2022 – Jun 2026. 138 carried a message; we removed 23 of our own automated form-health tests, 13 URL-spam and 2 pattern-spam messages, leaving 100 genuine inquiries. Each was classified by insurance line, request type and stated city; no published category count is below 5 (smaller cells are suppressed, not rounded up). Messages are paraphrased, never quoted; no personal information is published.
Google reviews (n=292). Every review of Bassine Insurance Agency's Google Business Profile, Feb 2017 – Jul 2026: 175 with text and 117 rating-only. Rating-only reviews are included in the counts and average with no text signal. The listing covers our whole agency (auto, boat, home and golf cart too) — not only the mobile-home book.
Search interest. Google Search Console impressions for this domain, Mar 1 2025 – Jun 30 2026, grouped into five non-overlapping query classes with brand-name queries excluded. Impressions measure how often our pages appeared in results — a demand signal reaching one agency, not statewide search volume.
Public figures. Florida OIR Market Intelligence Report Q1 2026 (OIR notes MIR data is unaudited); Citizens policies-in-force reports, county detail and 2026 rate press release; U.S. Census ACS 2020–2024 5-year estimates (Table B25024); Fla. Stat. §627.0629 / §627.711; HUD; FEMA. All retrieved Jul 13, 2026 — each figure keeps its own as-of date above.
What we deliberately did not publish: premiums or rate comparisons from our own quoting (competitively sensitive and not independently verifiable), any cell smaller than 5, and any lead, conversion or marketing metric.
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Download the aggregated dataset (CSV)
Frequently asked questions
How many mobile home insurance policies are there in Florida?
261,010 mobile homeowner (multi-peril) policies were in force statewide as of March 31, 2026, written by 19 companies. Including dwelling-fire and wind-only mobile-home forms, the total is 288,353 (Florida OIR Market Intelligence Report, Q1 2026).
Who are the largest mobile home insurers in Florida?
By policies in force (Q1 2026): American Traditions (65,178), Citizens (60,179), Tower Hill Insurance Exchange (39,033), Foremost (19,171) and Kin (14,071). As an independent agency we quote across the private market rather than one carrier.
Does Florida mobile home insurance cover flood?
No. Flood is excluded from mobile home policies. NFIP flood coverage is available up to $250,000 building / $100,000 contents, and the home must be anchored to a permanent foundation to be eligible (FEMA, Aug 2025). Citizens notes most of its wind-covered policyholders are required to carry flood.
What discounts exist for Florida mobile homes?
Florida law (s. 627.0629) requires wind-mitigation credits, including mobile-home-specific ones: credits for homes built to ANSI/ASCE 7-88 and up to 10% off the annual premium for verified tie-downs. The OIR-B1-1802 inspection form is valid up to five years; a new version took effect April 1, 2026.
Why does a mobile home's age matter so much for insurance?
Homes built after June 15, 1976 carry a HUD certification tag proving federal construction standards. In our experience quoting across carriers, pre-1976 homes have far fewer insurance markets available. Separately, 13 of our customers have described being dropped or unable to find coverage elsewhere before coming to us.
When do people shop for mobile home insurance in Florida?
Our 16 months of search data show a spring peak: March is the top month both years (5,136 impressions in March 2026) and September the quietest (1,716) — a 3.0× swing, with demand climbing right before hurricane season.
87% of the people who write to us ask exactly that. We quote across Florida's private mobile-home market.
Request a quote or call (239) 995-3515Related: Mobile home insurance · Manufactured home insurance · Bradenton · Sarasota