Flood Insurance
NFIP and private flood compared side by side, including whether Citizens now requires you to carry it.
Flood Insurance
Southwest Florida
Manufactured and Mobile Home Insurance in Naples, Bonita Springs, Fort Myers and Estero
Mobile and manufactured homes are underwritten differently from site-built houses, and some national carriers limit or decline to quote them. This is our most common line, and we work with carriers that insure these homes.
Free, no-obligation
Start your quote
How we use and share your information: Privacy Notice.
What happens next
- 1 We compare your details with carriers that insure manufactured homes.
- 2 We come back with your options, usually the same business day.
- 3 You decide. No obligation, and we do not sell your information.
Communities we serve
We work with homeowners in 30+ communities across Southwest Florida
From Estero and Bonita Springs south to Naples and north through Fort Myers and North Fort Myers, we work with homeowners in manufactured home communities, parks and co-ops.
Serving Lee and Collier counties from our office in Bonita Springs.
30 communities
No match on that name. This list is a sample, not a complete list of the communities we serve, so give us a call and we'll check whether we can help.
Don't see your community? Call (239) 495-0805 and we'll check whether we can help. This list is a sample, not a complete list of the communities we serve.
Eligibility
Does your manufactured or mobile home qualify?
Some national carriers limit or decline manufactured homes. The specialty carriers we work with insure them, but each carrier sets its own rules. Here is what they generally look for.
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Built 1970 or newer
Some carriers will consider older homes, so ask us. -
Single, double or triple wide
Many carriers consider all widths, including additions and attached structures, depending on their rules. -
In a park or on your land
Both are possible. Where the home sits can change which carriers we approach. -
Owner or tenant occupied
Primary, seasonal and rented-out homes may each have coverage options, depending on the carrier. -
Tied down and anchored
Carriers usually require current anchoring, and some offer a premium credit for it. -
Lee and Collier counties
We also work with homeowners in the surrounding Southwest Florida area and elsewhere in Florida.
Home built before 1970, or previously declined? Call us. Some carriers will consider a well-maintained older home with current anchoring and a sound roof, and each carrier sets its own rules. Call (239) 495-0805.
What these policies may cover
What Manufactured and Mobile Home Insurance Typically Covers, and Common Exclusions to Know
Standard coverage
- Dwelling & Attached Structures: Typically covers the main structure of your home and attached structures, subject to policy terms and covered causes of loss.
- Detached Structures: May cover structures such as carports, sheds and screen enclosures, usually with their own limit. Some policies restrict or exclude certain structures.
- Personal Belongings: May cover personal property inside your home, subject to limits and exclusions. Valuables such as jewelry often have special limits.
- Personal Liability: May cover legal defense and damages if you are held legally responsible for injury to others or damage to their property, subject to policy limits and terms.
- Loss of Use: May help pay additional living expenses, such as temporary housing, if a covered loss makes your home unlivable, subject to policy limits.
Optional Coverages
- Valuation Options: Carriers differ in how they value the home, such as stated value or actual cash value, and some offer replacement cost options for the structure or your belongings. We review the valuation basis with you.
- Hurricane & Wind Coverage: Wind and hurricane coverage and deductibles vary by carrier and policy. We review how wind is covered, what the deductible is, and what is excluded.
- High-Value Item Limits: Some carriers offer endorsements that add specific coverage for items such as jewelry, tools or equipment.
- Extended Liability: Golf cart coverage and a personal umbrella policy are separate coverages that may add liability protection beyond your home policy. Availability varies by carrier.
Common Exclusions
- Flood & Storm Surge: Flood and storm surge are typically excluded from standard property policies and generally require separate flood coverage.
- Maintenance & Neglect: Gradual deterioration, wear and tear, rot and rust are typically excluded. Maintenance is the homeowner's responsibility.
- Prior Roof Issues: Interior damage stemming from a pre-existing roof failure or lack of maintenance is generally excluded.
- Pests, Rodents & Mold: Infestations, including termites, and gradual mold growth are typically excluded.
Some exclusions, such as flood, can be covered by a separate policy. We can quote flood alongside your home policy.
Flood insuranceThis is a general overview, not a policy. Coverage depends on your policy's terms, limits, exclusions and the carrier.
Possible discounts
Discounts worth asking about
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Newer Home & Roof Credits Some carriers offer credits for newer homes and newer roofs. Age cutoffs vary by carrier.
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Tie-Downs & Anchoring Some carriers offer credits for current, inspected anchoring systems.
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55+ & Gated Communities Some carriers offer credits for 55+ communities, gated entry or association membership.
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Water & Fire Safety Some carriers offer discounts for monitored alarms and automatic water shut-off devices.
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Retiree Discounts Some carriers offer discounts for retired homeowners.
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Bundling & Paperless Billing Some carriers offer discounts for multiple policies or paperless billing. Bundling options in Southwest Florida can be limited, so we check what is available.
Discounts vary by carrier and eligibility, and none are guaranteed.
Before you start
What to have handy
- Year built, make of the home, length & width, and attached structures
- The address, and whether it sits in a park or on your own land
- Roof age and covering material
- How the home is used: primary, seasonal, or rented
- Most recent 4-Point inspection report, if you have one
- Your current policy declarations page, if you have one
Missing something? Start anyway. We can help you track down the details.
Start your quoteCommon questions
Manufactured and Mobile Home Insurance, answered
Can a home with an older roof be insured?
Sometimes. Roof age limits vary by carrier, and some of the specialty carriers we work with consider older roofs that standard carriers may not. Tell us your roof's age and material when you start a quote, and we will check which carriers may be an option.
Does it matter if the home is in a park or on my own land?
Yes, it can matter. Where the home sits can change which carriers consider it and what documentation they ask for. Both are possible. Tell us which applies when you start a quote, and we will compare the carriers that fit.
Is flood damage covered?
Usually not. Flood is typically excluded from standard home policies and covered by a separate flood policy, through either the National Flood Insurance Program or a private carrier. We can quote flood alongside your home policy so you can compare both together.
Can a mobile home built before 1970 be insured?
Sometimes. Options are more limited, but some carriers will consider a well-maintained older home with current anchoring and a sound roof. A phone call is often the best way to start: (239) 495-0805.
Is hurricane and windstorm damage covered?
It depends on the policy. Many property policies include windstorm coverage, but some carriers limit or exclude wind, so the details matter.
For hurricane losses, a separate hurricane deductible usually applies. It is often a percentage of your home's coverage limit, such as 2%, 5% or 10%, instead of a flat dollar amount. We review how the deductible works on each quote.
My carrier non-renewed me. What are my options?
Non-renewals are common, and the reasons vary. Sometimes a carrier is pulling out of a segment, and sometimes it relates to the home or the claims history. Some of the specialty carriers we work with may still consider your home. Please call us at (239) 495-0805 as soon as you receive your non-renewal notice, so there is time to review your options before your coverage ends.
Are my carport, shed and screen room covered?
It depends on how they are built and attached. Attached additions are often covered under the main dwelling coverage, while detached structures usually have a separate, lower limit. Some carriers also let you insure a structure as its own line item, with its own coverage amount. Some policies restrict or exclude certain structures, such as screen enclosures in a windstorm. Carrier rules vary widely, and this is a common area where homeowners find gaps after a loss.
To match coverage to what you have, we ask about the structures on your lot, including their size and how they are attached. That helps us review limits and policy terms with you.
Do I still need insurance if the home is paid off?
A lender may require coverage while you have a loan, and that requirement usually ends once the loan is paid off. A park or community may still require coverage, so check your lease or rules. Without a policy, you would pay for repairs, replacement and any liability claims yourself. Liability coverage applies to claims by other people, not just damage to your home.
Can a home I rent out be insured?
Some carriers do. A rented home needs a landlord-type policy, which differs from owner-occupied coverage, and not every carrier offers it. Tell us the home is rented when you start a quote, and we will check which carriers may be an option.
How much does mobile home insurance cost in Florida?
Cost depends on many factors, so there is no single typical figure. Year built, roof age and material, anchoring, location, how the home is used, and claims history all affect the price. Prices can differ from one carrier to another for the same home, which is why we compare options. A quote is the best way to see actual numbers for your home.
Ready to compare manufactured and mobile home quotes?
Tell us about the home, and we will compare options from the specialty carriers that insure these homes.
Other coverage we offer
Homeowners Insurance
Homeowners coverage for your property. We compare carriers for standard homes, and we may be able to find options for older roofs, non-renewals, and homes looking for an alternative to Citizens.
Homeowners InsuranceAuto Insurance
Auto insurance for Florida drivers. Florida's required minimums may leave gaps, so we compare carriers and help you review higher liability limits and other coverages.
Auto Insurance