Mobile and manufactured home insurance in Florida works like other home insurance, with a few rules specific to these homes: the insurer cares how the home is anchored, how old the roof and systems are, and whether your policy covers wind separately from flood. Standard policies do not cover flood, and hurricane damage is often subject to a separate percentage deductible.
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This is an information guide. We do not sell insurance and do not recommend any insurer. Talk to a licensed Florida agent for coverage and pricing.
How mobile home insurance works in Florida
A policy for a mobile or manufactured home usually bundles several coverages: the home itself, other structures on the lot (a shed or carport), your belongings, additional living expenses if you cannot stay in the home, and personal liability. Renters of a mobile home buy a contents-only policy instead, which does not cover the structure.
Where the home sits matters too. The state sets installation standards for these homes, and insurers look at whether yours meets them. That is why anchoring, the roof, and the home’s systems come up so often in an application.
Citizens Property Insurance mobile home policies
Citizens Property Insurance Corporation lists these mobile home forms on its residential policies page (read 2026-10-12):
- MHO-3 (mobile homeowners): covers the home, other structures and personal property, plus additional living expense and liability. The owner must live in the home as a primary residence.
- MW-2: a wind-only version, available in certain areas when eligibility requirements are met.
- MDP-1 (mobile home dwelling fire): for tenant-occupied homes and homes that may not qualify for an MHO-3 or MW-2. MD-1 is its wind-only version.
- MHO-4: contents, additional living expense and liability for renters. It does not cover the structure.
Citizens’ public pages do not state a home-age cutoff, so we are not going to guess at one. One age-related rule is in state law: the statute that governs Citizens says it must limit coverage on mobile or manufactured homes built before 1994 to the actual cash value of the dwelling rather than replacement cost (F.S. 627.351(6)). Actual cash value accounts for depreciation, so a claim on an older home can pay less than the cost to rebuild. Ask any insurer which basis your policy uses.
Installation rules and windstorm coverage (F.S. 320.8325)
Florida Statute 320.8325 directs the state to adopt uniform installation standards for mobile homes. The rules must ensure the home is installed on a permanent foundation that resists wind, and they address flooding, flotation, overturning, sliding and lateral movement. The same statute says insurers licensed in Florida may issue windstorm coverage on a mobile or manufactured home only if it was installed under those rules. It also says that if a home is damaged in a way that suggests improper installation, the insurer is not relieved of its policy obligations for that damage.
In plain terms: proper installation and tie-down is part of being insurable for wind. See our guides to Florida tie-down requirements and mobile home tie-downs.
Hurricane and windstorm deductibles (F.S. 627.701)
Florida Statute 627.701 requires insurers to offer alternative hurricane deductibles before issuing a personal lines residential policy. The options are $500, 2 percent, 5 percent and 10 percent of the policy’s dwelling limits. There are exceptions: for example, the $500 option is not required when dwelling limits are $250,000 or more, and the statute generally caps a hurricane deductible at 10 percent of dwelling limits for homes valued under $500,000. The statute also says that if you make no choice, the notice must state which hurricane deductible will apply.
A percentage deductible is a share of the dwelling limit, not of the loss. The table below is simple arithmetic on example limits, not a quote. Read your declarations page to see which deductible you have.
| Dwelling limit | 2 percent | 5 percent | 10 percent |
|---|---|---|---|
| $40,000 | $800 | $2,000 | $4,000 |
| $60,000 | $1,200 | $3,000 | $6,000 |
| $100,000 | $2,000 | $5,000 | $10,000 |
Flood is not covered by a standard policy
FEMA states that the National Flood Insurance Program covers only losses that are a direct result of flooding, while other policies may cover wind damage. So you generally need a separate flood policy.
FEMA’s fact sheet (August 2025) says the NFIP does insure manufactured homes if the structure is built on a permanent frame and attached to a permanent foundation. It must be anchored, for example with over-the-top or frame ties to ground anchors, per the manufacturer’s standards or local floodplain rules, and FEMA calls this an eligibility requirement. Owners can buy up to $250,000 of building coverage and up to $100,000 of contents coverage. FEMA also notes that almost one-third of NFIP claims from 2014 to 2024 came from low- to moderate-risk flood zones, so being outside a mapped flood zone does not mean no risk.
Why insurers ask for a 4-point inspection and roof age
The Florida Office of the Insurance Consumer Advocate describes a four-point inspection as a limited evaluation commonly required by Florida insurers when issuing or renewing a policy. It looks at four systems: roofing, electrical, plumbing and HVAC. Insurers use it to judge whether the home meets their underwriting standards, since older systems raise the chance of a claim.
- Roof: type, age and condition. The guide gives an example that an insurer may want documentation of at least five years of remaining useful life for shingle roofs older than 15 years or tile or metal roofs older than 20 years. Each insurer sets its own criteria: Citizens, for example, uses 25 years for shingle-type roofs and 50 years for tile or metal.
- Electrical and plumbing: wiring and panel condition, water heater age, pipe type, and leaks.
- HVAC: age, condition and operating status.
The guide says a standalone inspection may typically range from $100 to $300 (Office of the Insurance Consumer Advocate, read 2026-10-12), that reports are generally dated within 30 days before the application, and that findings may require repairs before a policy is issued. Details are in our 4-point inspection guide, and roof options are covered in mobile home roof-overs.
Filing a claim: the deadline
Under F.S. 627.70132, notice of a new or reopened property claim must be given within 1 year after the date of loss, and notice of a supplemental claim within 18 months after the date of loss. For hurricanes and other weather events, the statute ties the date of loss to landfall or NOAA verification of the event. Tell your insurer promptly, because policy terms can add requirements. For what to do before a storm, see the hurricane checklist. Routine upkeep such as leveling is generally a maintenance item; see does insurance cover mobile home leveling.
Where to get help
The Florida Office of Insurance Regulation (floir.gov) publishes consumer resources. The Department of Financial Services Division of Consumer Services helpline is (877) 693-5236 within Florida, (850) 413-3089 from out of state, and (800) 640-0886 for TDD (floir.gov contact page, read 2026-10-12). You can call with a policy question or to file a complaint.
Skirting can also come up in inspections and maintenance; see mobile home skirting. If you are in Polk County, we also have pages for Lakeland and Winter Haven.
Frequently asked questions
Does homeowners insurance on a mobile home cover flood?
No. FEMA says the NFIP covers losses directly caused by flooding, and other policies may cover wind. A separate flood policy is needed, and the NFIP does insure manufactured homes that are anchored to a permanent foundation.
What hurricane deductible options does Florida law require insurers to offer?
F.S. 627.701 requires insurers to offer $500, 2 percent, 5 percent and 10 percent of the policy dwelling limits, with some exceptions based on the dwelling limit.
Can an insurer write windstorm coverage on a home that was not installed correctly?
Under F.S. 320.8325, licensed insurers may issue windstorm coverage on a mobile or manufactured home only if it was installed under the state’s installation rules.
How long do I have to report a claim?
Under F.S. 627.70132, notice of an initial or reopened claim is due within 1 year after the date of loss, and a supplemental claim within 18 months.
Why does my insurer want a 4-point inspection?
It is a limited check of the roof, electrical, plumbing and HVAC systems that Florida insurers commonly require when issuing or renewing a policy, to judge whether the home meets their underwriting standards.
Who can I call with an insurance complaint?
The Florida Department of Financial Services Division of Consumer Services helpline is (877) 693-5236 in Florida.
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