Mobile & Manufactured Home Insurance in Florida

Home - Products - Home Insurance - Mobile Home Insurance

Mobile home insurance is designed for mobile and manufactured homes. Depending on the policy selected, it may cover the home, personal belongings, liability, and other eligible losses. Headley Insurance Agency is an independent agency in Lakeland serving homeowners across Florida, so we can review options from multiple carriers based on the home and each carrier’s underwriting requirements. Mobile and manufactured homes commonly need coverage designed for this type of construction, while modular homes may qualify for a standard homeowners policy depending on how the property is built and classified.

Mobile, Manufactured or Modular: What’s the Difference?

Mobile, manufactured, and modular homes follow different construction standards, so insurers may classify and underwrite them differently. The home’s construction date, building code, and installation method can affect the policy form, carrier eligibility, and premium.

Mobile homes

A mobile home, in the strict sense, is a factory-built home made before June 15, 1976, the date the federal building standard took effect. Consumers often use “mobile home” more broadly, but insurers may need the actual construction date and home type to determine available options.

Manufactured homes

A manufactured home is built to the federal HUD Code on or after June 15, 1976, on a permanent chassis, and transported to the site. Most newer factory-built homes commonly referred to as mobile homes are technically manufactured homes if they were built to the HUD Code on that date or later.factory-built homes commonly referred to as mobile homes are technically manufactured homes if they were built to the HUD Code on that date or later.

Modular homes

A modular home is built in a factory as well, but to applicable state and local building codes rather than the HUD manufactured-home code. Because of that, a modular home may qualify for a standard homeowners policy depending on the property and insurer.

If you are not sure which one you own, we can help you figure it out, since the answer changes which carriers and policies are available to you.

What Mobile Home Insurance Covers in Florida

Mobile home insurance is written for the construction and use of these homes. Available coverage varies by carrier, policy form, exclusions, deductibles, and limits. Depending on the policy, coverage may include:

Home structure

can help pay to repair or rebuild the insured home following an eligible covered loss, subject to the policy’s deductibles, limits, and exclusions.

Personal belongings

can provide coverage for eligible personal property, such as furniture, clothing, and electronics, when damaged or stolen as a result of a covered event.

Personal liability

can help with certain covered claims if you are legally responsible for bodily injury or property damage to someone else.

Loss of use

may help with eligible additional living expenses if a covered loss makes the home temporarily uninhabitable while repairs are completed.

Other structures and attachments

coverage may be available for eligible structures such as sheds, carports, or screened enclosures, but how they are insured and the applicable limits can vary by carrier and policy.

An HO-7 is a homeowners policy form commonly associated with mobile and manufactured homes. The exact policy form and coverage terms can vary by insurer.

Wind, Hurricane and Tie-Down Requirements

Proper installation and anchoring are especially important for mobile and manufactured homes because they are built and installed differently from conventional site-built homes. Florida has uniform installation standards designed to resist wind, flooding, overturning, sliding, and lateral movement. designed to resist wind, flooding, overturning, sliding, and lateral movement.

For underwriting, insurers may review the home’s installation and anchoring, roof age and condition, construction, location, and wind-mitigation features. These factors can affect eligibility and premium, and homes that do not meet a carrier’s requirements may have fewer available options.

Depending on the policy and carrier, coverage may be available for eligible wind or hurricane damage, often subject to specific deductibles, terms, and exclusions. Standard mobile home insurance generally does not include flood damage caused by rising water, so separate flood coverage may be needed. Flood exposure varies by property and location across Central Florida, including homes outside designated high-risk flood zones, and Headley can also help you look into flood coverage.

Insuring an Older Mobile Home

Older homes are where a lot of owners hit a wall. Carrier age guidelines vary, and older or pre-1976 homes may have fewer standard-market options.

Because Headley is independent, we can review multiple carriers with different underwriting guidelines, including carriers that may consider homes other insurers have declined. If another carrier or agency has been unable to place the home, Headley may still be able to review additional markets. Availability will depend on the home and each carrier’s underwriting requirements.

Have questions about an older mobile home? Call Headley Insurance Agency at (863) 701-7411 or start a mobile home insurance quote online. An agent can explain what property details and documentation a carrier may request before reviewing eligibility.

Wind, Hurricane and Tie-Down Requirements

Coverage Type	What It Protects	General Availability
Home structure	The physical home after a covered loss	Often included, subject to policy terms
Personal property	Your belongings inside the home	Often included, subject to policy terms
Personal liability	Certain claims involving injury or property damage to others	Often included, subject to policy terms
Loss of use	Temporary living costs during repairs	May be included, subject to limits
Other structures and attachments	Sheds, carports, screened enclosures	Varies by carrier and policy
Wind and hurricane	Storm damage from wind and named storms	Varies by carrier and policy; specific hurricane or wind deductibles may apply
Flood	Rising-water damage	Typically not included in standard mobile home insurance; separate flood coverage may be available

Coverage and limits vary by carrier and policy, so use this as a general guide and confirm the details on your own quote.

Mobile & Manufactured Home Insurance FAQs

Is mobile home insurance required in Florida?

Florida does not generally require a mobile homeowner to purchase property insurance simply because they own the home. However, a lender may require insurance as a condition of financing, and a mobile home community or lease agreement may also contain insurance requirements. Check your loan and park documents for the requirements that apply to you.

Does mobile home insurance cover hurricane damage?

Some mobile home policies provide coverage for eligible wind or hurricane damage, but availability, deductibles, and exclusions vary by carrier and policy. Flooding or storm surge from rising water generally requires separate flood coverage.

Can I insure a mobile home built before 1976?

Age limits vary between mobile home insurance companies, and pre-1976 homes may have fewer available options. As an independent agency, Headley can review multiple carriers to identify any markets willing to consider the property.

What is an HO-7 policy?

An HO-7 is a homeowners policy form commonly used for mobile or manufactured homes. It can include coverage for the dwelling, personal property, liability, and other exposures, but the exact form and coverage terms vary by insurer.

How much does mobile home insurance cost in Florida?

Premium can depend on factors such as the home’s age, size, location, roof, construction, anchoring, selected limits, and claims history. Headley can compare available manufactured home insurance options from multiple carriers based on the property information provided.

Will my policy cover a carport or screen room?

Coverage for carports, screened enclosures, sheds, and similar structures depends on how the structure is attached or classified and the terms of the policy. Some may be covered within the policy while others may require specific limits or endorsements, so confirm them when requesting a quote.

Do you write manufactured home insurance across Florida?

Yes. Headley Insurance Agency writes mobile and manufactured home insurance across Florida from its Lakeland office. If you are unsure how the home is classified, provide its construction date and any available HUD label or property documentation. The appropriate policy depends on whether the property is a mobile, manufactured, or modular home.

Talk to a Florida Mobile Home Insurance Agent

Mobile and manufactured homes can have different underwriting requirements from standard site-built homes, so working with an agent familiar with this market can help you understand the available options. Call Headley Insurance Agency at (863) 701-7411 to talk through your coverage, or stop by our office at 3544 S Florida Ave, Lakeland, FL 33803. Walk-ins are welcome. You can also request a quote online to start the process, though coverage cannot be added or bound through website communications.