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A modern double-section manufactured home with a front porch and landscaped yard

Florida mobile home insurance

Mobile home insurance in Florida, including older homes.

Updated · Reviewed by Nymble Insurance LLC, a licensed Florida agency

Florida mobile home insurance covers your manufactured home, your belongings and your liability, with wind terms that depend on the home's age, anchoring and roof. Nymble Insurance LLC, a licensed Florida agency, places homes of every age, including those built before 1994, in parks, on owned land and as rentals.

  • Single-wides, double-wides, park models and modular homes
  • Older and pre-1994 homes, in parks or on your own land
  • One agency handles your quote. Your info isn't sold.

Get a Florida mobile home quote

Step 1 of 5

The home

Your information goes to one licensed agency, not a lead marketplace. Fields marked * are required.

Why is it hard to insure a mobile home in Florida?

Insurers price Florida mobile homes mainly on wind exposure. Year built, HUD wind zone, anchoring, roof and setup decide whether a home qualifies and on what terms. Older or poorly documented homes get fewer offers, so good photos and paperwork usually widen your options with a licensed agency.

What is the difference between a mobile home and a manufactured home?

In everyday use they mean the same thing. Technically, homes factory-built after June 15, 1976 to the federal HUD code are manufactured homes, and earlier ones are mobile homes. Insurers ask for the year because it tells them which construction standard the home was built to.

Mobile home vs. site-built home insurance in Florida

TopicMobile / manufactured homeSite-built home
Key rating factorYear built, HUD wind zone, anchoringRoof age, wind mitigation features
WindOften separate hurricane deductible; some homes need wind written separatelyHurricane deductible set by policy
SettlementOlder homes often actual cash valueReplacement cost more common
FloodSeparate policySeparate policy

How to get a Florida mobile home insurance quote

  1. Find the year, make and size on the HUD data plate or title.
  2. Photograph all sides, the roof and skirting.
  3. Gather tie-down and roof paperwork.
  4. Submit the quote form or call (813) 291-3484.
  5. Review wind, deductible and flood options with a licensed agent.
Licensed Florida agencyNymble Insurance LLC · License L131669
Agency NPN 21626709Verifiable with the state and NIPR
One agency, not a lead marketplaceYour details are not sold
Talk to a licensed agent(813) 291-3484

What does Florida mobile home insurance cover?

  • The home: structure, built-ins and attached carports or screen rooms, as listed.
  • Other structures: sheds and detached carports, where included.
  • Your belongings.
  • Liability: injuries or damage you're responsible for, including defense in covered claims.
  • Wind and hurricane: often with a separate hurricane deductible. Flood is a separate policy.

Find the page for your home

Manufactured homes

Single, double and triple-wides built to HUD code.

Older & pre-1994 homes

Yes, we place them. Here's what helps.

Windstorm & tie-downs

Why anchoring matters for wind coverage.

More guides

Rental mobile homes

Landlord coverage for homes you rent out.

Park vs. your own land

What changes with lot rent and park rules.

What affects the price

The factors underwriters look at.

How does it work?

1. Tell us about the home

Year, size, setup, roof and use.

2. We shop it

A licensed agent reviews it and follows up by phone or email.

3. You choose

We explain coverage, wind deductibles and flood options first.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

Manufactured homes and communities

Aerial view of the Trailer Estates manufactured home community in Bradenton, Florida
Trailer Estates, Bradenton Photo credit
A quiet street of manufactured homes in a planned community
A manufactured home community Photo credit
A multi-section manufactured home with vinyl siding and a small front stoop
A sectional manufactured home Photo credit
Steel support piers and anchoring under a manufactured home
Support piers under a manufactured home Photo credit

Photographs are for illustration only. They are not our customers or their homes.

Florida mobile home insurance questions, answered

Can you insure a mobile home built before 1994?

Yes. Nymble Insurance places pre-1994 and pre-HUD (before June 15, 1976) mobile homes. Expect questions about the roof, anchoring and updates; approval and price depend on underwriting.

Is mobile home insurance required in Florida?

State law doesn't require it for an owned home, but lenders and many parks do. Check your loan papers and park rules.

Does mobile home insurance cover hurricanes?

Many policies include windstorm with a separate hurricane deductible; some homes need wind written separately. Flood is never included.

What do I need for a quote?

Year, make, size, park or owned land, anchoring, roof type and year, use, and claims history. The HUD data plate helps on older homes.

Who is Nymble Insurance?

Nymble Insurance LLC is a licensed Florida insurance agency (License L131669, NPN 21626709). One agency handles your quote, and your information is not sold.

Florida mobile home insurance guides

See every article

Sources and official resources

General information only, not legal advice. Policy terms control coverage.