Florida Mobile Home Insurance Requirements & Savings

Mobile home insurance is not a mandatory requirement in Florida. However, it is highly recommended due to the state’s unique climate factors including regular hurricanes, storms, and strong winds. Insurance for your mobile home in Florida helps protect your property, your loved ones, and your finances from unexpected havoc. Additionally, if you are servicing a mortgage for your mobile home, your lender might require you to have specific insurance coverage to keep their investments safe.

Below is everything you need to know about Florida mobile home insurance requirements, savings, and more.

If you have a mortgage on your mobile home, most lenders require you to have comprehensive insurance coverage to protect the home from potential risks.

Here are the common types of insurance required for mortgages: 

• Flood Insurance: Every mobile homeowner, especially those in flood-prone areas must have flood insurance to protect their homes from potential water damage.
• Mobile Home Insurance (MH or HO-7 Insurance Policy): It provides comprehensive insurance equivalent to traditional homeowners’ coverage protecting a home’s structural integrity and belongings.
• Personal Property & Liability Coverage: If your mobile home and belongings get damaged by storms and hurricanes, the cost of repair and replacements are covered by Personal Property & Liability Coverage.
• Private Mortgage Insurance (PMI) or Lender Placed Insurance 9 (If applicable): Some lenders might require Private Mortgage Insurance (PMI) or Lender Placed Insurance for clients with a low down payment or those unable to manage coverage.
• Windstorm Insurance: Also known as hurricane insurance, windstorm insurance covers your home and its contents from hail, hurricanes, and tornadoes.

Quality, smart, and strategic mobile home upgrades can reduce insurance costs.

Some of these improvements include:

Checking for Insurance Discounts: Many insurance companies offer reduced rates for hurricane-rated mobile homes. These include homes with stormproof features and wind mitigation credits.

Fire & General Safety Features: Investing in quality and properly installed smoke detectors, fire extinguishers, and secure gas lines can reduce your insurance premiums.

Flood Protection Measures: Installing flood barriers, elevating your home and having a reliable drainage system can prevent potential water damage and related issues.

General Maintenance and Security Upgrades: Regular inspection, updated roofing, installing hurricane windows for mobile homes and reinforced doors can earn you great insurance discounts.

Wind Mitigation Improvements: Enhancing your mobile home’s ability to withstand Florida’s high winds, and installing hurricane anchors, straps and shutters for mobile homes can help prevent potential damages.

Work with Reliable Mobile Homes Improvement Contractors: Working with experienced and well-reputed mobile home improvement contractors ensures that your home’s upgrades, inspections, repairs, and replacements are done timely and correctly. This keeps your home safe and might even help you qualify for insurance discounts.

AMS Roofing is one of the best mobile home roofing contractors in Florida. For years, we have provided innovative, and quality mobile home improvement solutions to our client in this state and its surroundings. Some of them include the AMS Weather-Lok Roofover system that enhances your mobile home’s storm resistance, durability, and energy efficiency. We also provide hurricane-proof windows for mobile homes designed to resist Florida’s extreme weather conditions keeping you safe all year round.

AMS serves several locations across Florida for utmost accessibility and convenience. We are located at the Central Division in Avon Park, Northwest Division in Largo, Southeast Division in Pompano Beach, and Southwest Division in North Fort Myers.

Whether you need a mobile home roof over, roof inspection, repairs, hurricane-proof doors, or windows replacement, the AMS Roofing team is here to help. Contact us today at any of our Florida locations and let us help you qualify for incredible mobile insurance savings discounts. You may also request a quote online.