Living in a mobile or modular home in Florida can be affordable and flexible. But it also comes with a significant downside: exposure to frequent and sometimes devastating storms. Florida is one of the most hurricane-prone states in the U.S., which makes insuring mobile or modular homes both essential and, at times, challenging. Understanding the realities of Florida modular and mobile home insurance is crucial for homeowners who want to protect their property and finances when nature turns severe.
Understanding the Differences: Mobile vs. Modular Homes
First, we should clarify the difference between mobile and modular homes, as it affects insurance options.
Mobile homes (often referred to as manufactured homes) are factory-built homes constructed before June 15, 1976, when stricter federal standards were enacted.
Modular homes are also factory-built but are constructed to local building codes, often making them comparable to site-built homes in terms of durability and insurability.
Mobile homes are considered more vulnerable to storm damage, which is significant when insurance providers assess risk and determine coverage.
Why Insurance Is More Complicated in Florida
Florida’s high-risk weather environment drives up insurance costs in all areas, but mobile and modular homes face particularly steep hurdles.
- Fewer Providers: Many traditional insurers are reluctant to cover mobile homes in Florida due to the elevated risk of wind and flood damage. As a result, homeowners often rely on specialty insurance companies that cater to manufactured housing.
- Higher Premiums and Deductibles: Because mobile homes are more likely to sustain damage in high winds, premiums are typically higher than those for traditional homes. Insurers may also impose separate, higher deductibles for windstorm or hurricane-related claims in hurricane-prone areas,
- Wind Mitigation Requirements: In order to obtain or renew insurance, many providers require proof of wind mitigation features—like tie-downs, reinforced roofs, and hurricane straps. Homes that are newer or have been retrofitted to meet updated codes may qualify for reduced premiums.
What Modular and Mobile Home Insurance Typically Covers
A standard mobile or modular home insurance policy in Florida generally includes:
- Dwelling coverage for the home’s structure
- Personal property coverage for belongings inside the home
- Liability protection in case someone is injured on your property
- Additional living expenses if you’re displaced due to a covered loss
Flood damage is not included in standard policies. Given Florida’s geography and recent flooding events, purchasing separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer is strongly recommended.
Mobile Home Insurance: Special Considerations for Storm Season
Because Florida’s storm season lasts from June through November, policyholders must prepare well in advance. Insurance companies often stop issuing or adjusting coverage when a storm is projected to hit the state. Therefore, waiting until hurricane season to buy or increase coverage could leave homeowners vulnerable.
It’s also crucial to document your home and possessions with photos or video and to keep a copy of your insurance policy in a safe, accessible location. Having this information readily available can make the claims process smoother and faster should damage occur.
What Homeowners Can Do to Protect Themselves
- Shop around: Premiums and coverage vary widely. Work with a professional insurance broker familiar with Florida’s mobile and modular housing market.
- Maintain your home: Regular inspections and storm-proofing improvements can make a big difference in coverage eligibility and pricing.
- Bundle policies: Combining mobile home, auto, or other insurance policies with the same provider may offer discounts.
- Review coverage annually: As property values and risk levels change, so should your policy.
Owning a mobile or modular home in Florida doesn’t have to be risky—if you’re well-informed and properly insured. While insuring these homes can be more complex and costly due to the state’s weather risks, the right coverage provides peace of mind and financial protection when it matters most.
If you need modular or mobile home insurance, call the experts at Anderson & Associates Insurance Group. We can provide you with the information and experience you need.
