Average cost of manufactured home insurance in florida

Get peace of mind with mobile or manufactured home insurance.

Insuring a manufactured or mobile home can be easy, whether you live there full-time or seasonally. It's a lot like insuring a constructed home.

It's easy to get affordable mobile or manufactured home insurance coverage with the GEICO Insurance Agency. With an online quote, you can quickly customize coverages and a payment plan that fits your budget. Start your mobile or manufactured home insurance quote today!

What is mobile or manufactured home insurance?

A mobile or manufactured home policy provides coverage for things like:

• Fire
• Wind
• Hail
• Water damage (excluding flood)
• Theft
• Hurricanes
• Visitor injuries

Why do I need mobile or manufactured home insurance?

• Protects one of your most important investments.
• Required by most mortgage lenders.

What does mobile or manufactured insurance cover?

Here are some common standard coverages for a mobile or manufactured home policy:

• Dwelling coverage for the physical structure of your home
• Personal property coverage for things like electronics, appliances, furniture, and clothing
• Other structures coverage for sheds or other unattached buildings
• Medical and liability coverages for medical expenses and/or legal fees if someone is injured on your property

Have personal items with extra value? You can add optional coverage on top of your standard mobile home or manufactured home insurance policy for things that need better than standard protection like:

• Collectibles
• Jewelry
• Sports equipment
• Musical instruments, and more

Consider one of these additional policies to protect against specific risks:

• Identity theft protection to safeguard your identity from security breaches
• Jewelry insurance to cover your precious valuables, like watches and rings
• Flood insurance protects your home and property from severe water damage

Manage your mobile or manufactured home insurance policy easily.

Policy Service and Claims

Contact the GEICO Insurance Agency partner for help with:

• Paying a bill
• Reporting a claim
• Changes or updates to a policy
• Additional info about your policy

You may qualify for a multi-policy discount on your GEICO auto policy if you also insure your mobile or manufactured home through the GEICO Insurance Agency LLC.

Mobile or Manufactured Home Insurance Agent Contact Times

If you need to speak with an insurance agent about mobile or manufactured home insurance, please call (800) 841-2964.

• Florida

• Mon — Fri

  8:00 AM — 10:00 PM (ET)

• All Other States

• Mon — Fri

  8:00 AM — 10:00 PM (ET)

• Sat

  10:00 AM — 5:00 PM (ET)

• Sun

  Closed

Mobile or Manufactured Home Insurance: Get the answers you're looking for.

• What's the difference between mobile and manufactured homes?

  The difference between mobile and manufactured homes depends on the factory-built date. Mobile homes and manufactured homes are regulated by U.S. Department of Housing and Urban Development (HUD). According to HUD, a mobile home is a factory-built home before June 15, 1976. A manufactured home is a factory-built home after June 15, 1976.

• Should I get flood insurance if I have a mobile or manufactured home insurance policy?

  Do you think your home is safe from flooding because you don't live near the coast? Floods can occur anywhere and outside of high-risk flood zones. Most homeowner insurance policies don't cover flood damage. You may want to consider flood insurance.

• How much does mobile home insurance cost?

  Many factors impact the cost of your mobile home insurance rate such as the age, condition and location of your home. Your coverage limits and claims history will matter too. According to an Insurance.com average rate study, the average mobile home insurance cost is between $300 and $1000 annually. In some situations, mobile home insurance can cost more.

• Is mobile or manufactured home insurance required?

  Mobile home insurance (also known as manufactured home insurance) is similar to a standard homeowners insurance policy. If your home is damaged, you have some financial protection. Mobile or manufactured home insurance is not required by law, but a mortgage company and/or mobile home community may require homeowners to purchase coverage.

• How much coverage do I need for mobile or manufactured home insurance?

  Everybody's situation is unique, but consider how much personal property and assets you want to protect. Get a quote today and tailor an insurance policy that fits your needs and a budget!

• Is there a GEICO Local Agent near me?

  You can find your closest agent(s) here!

When you click on the "Start Quote" button or "mobile home insurance quote" link you will be taken to a site owned by Assurant, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibilities in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Mobile home and manufactured home coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. We can help you secure mobile home insurance in all states except Hawaii and Washington, DC.

The information you provide will be shared with our business partners so that they can return a quote.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Can you get homeowners insurance on a manufactured home in Florida?

Can you get insurance on a modular home in Florida?

How much is flood insurance on a mobile home in Florida?

Are modular homes harder to insure?