Mobile Home Insurance Florida Florida Mobile Home Owner Insurance
If you own a mobile home in the Sunshine State, understanding mobile home insurance in Florida is crucial for protecting your investment. Mobile home insurance provides financial protection against damages, theft, and liability, specifically tailored for these unique residences. Given Florida's climate and its large, growing population of mobile home residents, securing the right coverage is a smart financial move.
What is a Mobile Home in Florida?
In Florida, a "mobile home" refers to a transportable structure, typically 8 body feet or more in width, built on an integral chassis. It's designed to be used as a dwelling when connected to utilities, including its plumbing, heating, air-conditioning, and electrical systems. Florida Statutes Chapter 320.01 defines these structures, and Chapter 320 requires all mobile or manufactured home owners to acquire licenses.
Who Offers Mobile Home Insurance in Florida?
Many insurance companies provide mobile home insurance options for Florida residents. Here are details on some prominent providers:
Foremost Insurance Company
Foremost Insurance Company, part of the Farmers Insurance Group, has been providing mobile home insurance since 1952. While its corporate office is in Caledonia, Michigan, the company has regional claims settlement offices throughout the United States to serve its customers efficiently.
Foremost offers specialized mobile home insurance programs, including:
- Mobile Home Landlords: Designed for owners who rent out their mobile homes. You can often insure multiple rental properties under a single policy, streamlining your coverage.
- Commercial Mobile Homes: This program is for individuals using their mobile homes for business purposes, such as offices, retail shops, or other commercial ventures. Similar to landlord policies, you may be able to cover multiple commercial mobile homes with one policy, potentially reducing overall premium costs.
Foremost also extends coverage to rental and commercial travel trailers under these schemes. Their mobile home insurance policy, often known as the AARP Mobile Home Insurance Program, offers several key features:
- Competitive premium rates.
- 24/7 customer service, including holidays.
- Single insurance coverage options for multiple mobile homes.
- Flexible payment options.
- Coverage for flood damages under the National Flood Insurance Program.
MetLife Insurance Company
MetLife is another significant provider in the insurance sector, with its main office in New York, NY, and numerous regional and field claim offices across the United States. Their mobile home insurance program focuses on comprehensive protection for your investment, offering features like:
- Robust protection for your mobile home investment against perils such as hail, storms, fire, or theft.
- Full coverage for the mobile home itself, including attached properties like garages and storage sheds.
- Insurance options for various types of mobile homes, typically available for homes with a minimum asset valuation (current valuation standards apply).
- Flexible payment options to suit your budget.
- Potential discounts on policies for new mobile homes.
- Discounts for eligible mobile home owners aged 55 years or more.