We're an independent insurance agency that specializes in mobile and manufactured homes — not a call center, not a comparison website. We shop multiple carriers to find coverage that actually fits your home and your budget.
No call centers. No automated systems. A licensed agent answers.
A captive agent works for one company and sells you their products. We work for you — shopping your coverage across multiple carriers to find the best fit, not the easiest sale.
And because we specialize in mobile and manufactured homes, we know which carriers actually understand your home type, your park requirements, and Florida's wind zone rules.
Mobile and manufactured homes are not the same as site-built houses. The construction is different, the valuation is different, the Florida wind zone requirements are different — and most general insurance agents don't know the nuances well enough to get you properly covered.
We've built this agency specifically around manufactured housing. It's all we do in the mobile home space, which means we know the carriers, the gaps, and the endorsements that matter.
Built before 1976? Many agents turn you away. We have carriers who will quote older models when the condition is right.
We write coverage for owned land and leased lot situations. We handle park placement letters and proof-of-insurance requirements regularly.
Florida's wind zones affect your coverage options and rates significantly. We know how to navigate them and find carriers who price them fairly.
Standard homeowner policies often fall short for manufactured housing. We place coverage with carriers who know the difference — and write policies that actually hold up when you need them.
Your home's structure, walls, roof, and built-ins covered against fire, wind, and other perils — including older and pre-HUD models when condition qualifies.
Your furniture, electronics, appliances, and valuables — protected against theft, fire, and covered perils both inside your home and away from it.
If someone is injured on your property or you cause accidental damage to others, liability coverage pays defense costs and settlements — even on groundless claims.
Stand-alone wind coverage and hurricane endorsements calibrated to Florida's wind zones. Includes tie-down and anchoring system coverage where applicable.
NFIP and private flood options for manufactured homes. Nearly 40% of flood claims come from outside high-risk zones — flood coverage is not included in any standard policy.
Garages, carports, screened enclosures, Florida rooms, sheds, and awnings. We cover what standard policies quietly exclude from the fine print.
Renting a manufactured home? Your landlord's policy covers the structure — not your belongings or your liability. Renters coverage fills that gap at a low monthly cost.
Combining home and auto insurance with the same agent can save 10–20% on both policies. One call, two policies, real savings — ask us to quote both when you submit.
Three straightforward steps. No pressure, no jargon, no runaround.
Fill out the short form below — takes about two minutes. We collect the key details about your home so we can match you with the right carriers.
We compare rates from multiple Florida carriers — not just one. As an independent agency, our job is to find what's right for you, not what's easiest for us.
We present your options clearly, answer every question, and get your policy bound — often same-day. No surprises at renewal time.
No obligation. No spam. Just accurate coverage options for your Florida mobile or manufactured home.
We'll be in touch within 1 business day with your options. Check your email for a confirmation.
Questions now? Call (813) 269-8210 or email quotes@floridamobilehomeinsurance.com
"Three other agents told us our older double-wide was uninsurable. The team here found us coverage in two days — and it was more affordable than we expected. They actually knew what they were talking about."
"Switched from Citizens and saved over $800 a year. The team handled everything — including the cancellation of my old policy. The whole process took less than a week."
"As a mortgage broker I refer all my manufactured home buyers here. The agency is responsive, knows the product inside and out, and my clients always thank me for the referral."
"I was paying way too much for a policy that barely covered anything. They shopped my home across multiple carriers and came back with three options — I picked the one that gave me twice the coverage for less money."
"Hurricane Ian scared me into finally getting proper coverage. This team explained exactly what wind vs. homeowners vs. flood actually covers — something nobody had ever taken the time to explain before."
"Our park required specific coverage amounts and a placement letter. They knew exactly what was needed and had it handled same day. No runaround, no confusion — just done."
"I'm a first-time mobile home buyer and had no idea what I needed. They walked me through every option patiently, never made me feel rushed, and got my coverage in place before my closing date."
"At renewal they proactively reached out when my carrier changed rates and found me a better deal without me even having to ask. That kind of service is rare in this industry."
Mobile and manufactured home insurance has more nuance than most people realize — especially in Florida. Here's what we get asked most often.
Call (813) 269-8210One conversation with a specialist can save you hundreds and make sure you're not left exposed when a storm hits. No pressure — just straight answers and honest options.