How Much Does it Cost to Insure a Mobile Home in Florida?


In Florida, there is no average cost of insuring a mobile home, as there are many factors involved. Despite the state's recent economic problems, it is still possible to insure your mobile home sensibly.

Structure Coverage

  • Structure coverage repairs or replaces your mobile home if it's damaged or destroyed. Flood damage is not covered, so be prepared to pay extra if you want that.

Personal Property Coverage

  • This pays to replace the contents of your mobile home; property like furniture, electronics, clothes and sports equipment. High-value items like furs and jewelry will need a separate endorsement.

Liability Coverage

  • Liability insurance covers medical claims, legal bills, and property damages if someone hurts themselves in your mobile home, or if you damage someone else's property.

Living Expense Coverage

  • Living expense coverage pays for hotel and restaurant bills while your home is unfit to live in and being fixed.

How to Save on Insurance

  • Costs can vary in each exact location by hundreds of dollars, so shop around and get quotes from several companies. Utilizing an online comparison tool can give you a general idea of pricing in your area. Ask about discounts like military discounts or wide load compliance. Remember, too, that higher deductibles equal lower premiums.

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  • Photo Credit Image by, courtesy of dave_7
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