I need Mobile/Manufactured Home Insurance in the state of Florida where do I start?

Mobile home insurance policies provide two basic kinds of coverage: physical damage and personal liability coverage. Choosing the right insurance agency and the right insurance policy is much like choosing the right mobile home. You want it to fit your needs and lifestyle, but you also want the insurance coverage to fit within your budget.

These coverage options are available for mobile homes that are used seasonally, or mobile homes located in a park or on private property as a primary residence. Usually finding an independent agent will be your best option. This will maximize your options. Finding a standard insurance company and keeping out of Citizens insurance should be your primary goal. Citizens is a last resort insurer and is sold when all other options have run out. Very important coverage’s such as replacement cost are not available through Citizens on mobile/manufactured homes but is available through other companies.

Finding mobile/manufactured home insurance through a standard company will usually be more challenging in coastal areas such as Volusia, Brevard or Indian River counties. The amount of companies offering this coverage will increase in interior counties such as Polk, Osceola, Highlands, Okeechobee, Hardee, Marion, Suwannee, Putnam, Alachua, Leon County, Lake, Sumter, Seminole, and Pasco. Hoffman and Associate Insurance, LLC provide all types of insurance throughout the State of Florida.

QUESTIONS: email Heidi@hoffmnainsurancecompany.com or call TOLL FREE 1-888-751-2511


Physical Damage


Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached patios or decks, garages or storage sheds) resulting from fire, hail, wind, theft and vandalism, or falling objects. The amount and degree of coverage varies from one policy to another, so make sure to compare policies carefully.

Some policies only cover specific causes of loss (named peril policies). This is basic coverage and while the low premiums may seem like a bargain, it could cost you hundreds of dollars in the event of a claim, if the damage is not caused by one of the named perils.

Generally, coverage under a regular policy doesn’t apply while the mobile home is in transit. Also, like regular homeowners insurance, flood is not generally covered, so be sure to find out whether you are in a flood zone and can purchase flood insurance for mobile/manufactured homes through the National Flood Insurance Program and can be purchased through your insurance agent.


Personal Liability Coverage


Damage to property isn’t the only hazard of modern life. Liability insurance coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. That amount may be more than what comes standard with a mobile home insurance policy, so it may be wise to consider purchasing additional liability insurance. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. However, liability coverage does not pay claims for injuries to you or the members of your house.

Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

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