Mobile & manufactured home insurance in Florida

What mobile home insurance (HO-7) covers

Mobile home insurance (HO-7) covers the manufactured or mobile home structure, personal belongings, liability, and temporary housing if displacement occurs. Florida mobile homes are extremely common, especially in retiree and 55+ communities, but insurers' appetite for mobile home coverage has tightened due to hurricane risk.

• Dwelling. covers the mobile/manufactured home structure, roof, skirting, HVAC, plumbing, and electrical systems
• Personal property. covers your furniture, electronics, and belongings
• Liability. covers your responsibility if someone is injured at your home
• Medical payments to others. covers a guest's minor injury without assigning fault
• Loss of use. covers temporary housing and meals if displacement occurs
• Hurricane deductible. a separate, often high deductible (2–25% of dwelling limit) applies to hurricane wind damage
• Anchoring and tie-down requirements. insurers require proper tie-downs, straps, and anchoring; missing tie-downs can void coverage

Hurricane risk and mobile homes in Florida

Florida mobile homes face extreme hurricane wind exposure. Manufactured homes, even modern ones, have lighter roofing and walls than site-built homes, making them more vulnerable to wind damage. Older mobile homes (pre-1990) are particularly at risk and are often non-insurable or available only at specialty carriers. Proper tie-down and anchoring is essential.

• Hurricane wind: applies a separate, high deductible (often 10-25% of dwelling limit); a $150k home with 15% deductible pays $22,500 before wind coverage activates
• Roof age and material: metal roofs and modern shingles are preferred; older composition roofs are expensive or uninsurable
• Tie-downs and anchoring: improperly anchored homes or those missing tie-downs may have wind coverage excluded or heavily limited
• 55+ and retiree communities: insurers view certain communities' age and density as high-risk; rates vary dramatically by location
• Older homes: manufactured homes built before 1990 are increasingly non-renewable; older construction standards don't meet modern wind codes

Florida mobile home underwriting and inspections

Most Florida carriers require a mobile home inspection before binding, checking roof type and condition, tie-down and anchoring (critical in Florida), HVAC, plumbing, and electrical systems. Wind-mitigation reports are common. Homes over 25 years old face severe restrictions; those over 35 years old are generally non-insurable.

What affects your Florida mobile home rate

• Home age (single largest factor; homes over 20 years face heavy loading; over 30 years are often non-insurable)
• Roof condition and type (metal roofs and modern shingles preferred; older composition = higher rates)
• Tie-down and anchoring condition (properly anchored homes with straps cost significantly less)
• Distance to coast (proximity to coast and high-wind zones dramatically increases rates)
• Community and location (55+ communities and retiree areas face higher rates)
• Prior claims (even one wind or water claim can increase rates 50%+ or trigger non-renewal)

How to lower your Florida mobile home rate

• Replace roof with a modern, wind-rated material (single most effective rate reduction in Florida)
• Install hurricane shutters or reinforce windows and doors
• Ensure tie-downs and anchoring are properly installed and maintained (document with photos and inspection reports)
• Bundle mobile home with auto for multi-policy discounts
• Raise deductible from $500 to $1,000 if possible
• Keep continuous coverage; re-shop annually at renewal (rates change dramatically year to year)

Why buy Florida mobile home insurance through Maru

Mobile home insurance in Florida is challenging to place and rates are high due to hurricane risk and home-age restrictions. Maru carries specialty carriers that insure mobile homes and understands the market's constraints. We help you identify properties that can be insured, coordinate inspections and tie-down documentation, and shop your renewal annually to ensure you maintain coverage. For homes approaching non-renewability, we help you plan ahead so you're not stuck with a gap in coverage.

Frequently asked questions

Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.