Insurance Policies for Manufactured Homes

Florida property insurance programs

Manufactured and mobile homes sales are on the rise. For retirees who wish to downsize and snowbirds in search of modestly priced vacation homes, this type of residence may be more affordable than a traditional home. Florida property insurance programs have evolved as the demand for comprehensive coverage continues to increase.

Modular Homes vs. Manufactured Homes

While both types of dwellings are built in a factory, modular homes are constructed more like traditional homes. They are transported to the homesite in two or more sections and put on a foundation. For this reason, modular homes can often be insured with standard homeowners policies.

Manufactured homes are built entirely in the factory and transported to the destination in one or two sections. To be insured, they must meet the federal standards that regulate the construction, strength, durability and quality standards explicitly designated for manufactured and mobile homes.

Standard and Comprehensive Coverage

Property insurance products for manufactured homes typically cover perils such as fire, burglary, storm damage and vandalism. Comprehensive policies may extend coverage to include:

  • Wind
  • Hail
  • Landslides
  • Explosions
  • Damage caused by wild or stray animals
  • Water damage from burst pipes

Experienced brokers can help you find the best coverage options for your clients. Comprehensive Florida property insurance programs can help you attract new business and continue offering quality service to existing clients.