Mobile and manufactured homes require specialized insurance that accounts for their unique construction and greater vulnerability to Florida wind events. Standard homeowners policies rarely cover manufactured homes — Insure USA, Inc. works with carriers who understand these structures and provide comprehensive, affordable protection.
What Does Mobile / Manufactured Home Insurance Cover?
- Dwelling coverage for the structure at replacement cost value
- Personal property coverage for furnishings and belongings
- Personal liability for injuries occurring on your property
- Additional living expenses if you must relocate after a covered loss
- Other structures — sheds, decks, awnings, and carports
- Trip collision coverage during transport to a new location
- Windstorm and hurricane coverage essential in Florida
- Optional flood insurance available through NFIP or private carriers
HUD Code vs. Pre-1976 Mobile Homes
Homes built before June 15, 1976 predate modern HUD safety standards and are treated very differently by insurance carriers. Post-1976 homes built to HUD code are generally easier to insure at competitive rates. Pre-1976 mobile homes may require specialty markets. We work with both.
Park Requirements and Lender Requirements
If you live in a mobile home park, the park may require specific liability limits and additional coverages. If you have a loan on your manufactured home, your lender will require you to maintain property coverage. Our agents verify your requirements and ensure your policy meets all park and lender conditions.
Get Mobile / Manufactured Home Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Mobile / Manufactured Home Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.