Get Free Florida Mobile Home Insurance Quotes - Mobile Home Insurance of Florida

Florida’s #1 Mobile Home Insurance Site

Statewide Insurance represents a multitude of top mobile home insurance companies in Florida. You can now compare the rates for all of these companies with our easy mobile home quote system.

GET A QUOTE NOW>>>

Florida Mobile Home Insurance Rate Quotes

You will find that Florida mobile home insurance rate quotes vary greatly. A lot of Florida mobile home insurance companies suffered catastrophic losses in 2004 and 2005. Those Florida insurance companies that survived have increased premiums to make up for those devastating losses and once again build their reserves in case another catastrophe occurs. There are also new Florida mobile home insurance companies getting their authority to write insurance in the state of Florida. These companies are offering very competitive rates because their losses are minimal at this point in their short business life. These companies also know that if there is a catastrophe and they cannot pay their claims the state of Florida has a guarantee fund in place to pay the claims if the company exhausts all of their means. The Florida Guarantee Fund only backs those companies that have been “admitted” by the state of Florida, so make sure you check with your agent on this. These companies are popping up all over the state of Florida and tend to have better rates in the areas they are most familiar with so shopping around will save you money. Having one of our agents compare the rates of these companies for you will save you time.

Get A Florida Mobile Home Insurance Quote Comparison

Visit our Easy Quote Page to get a Florida mobile home insurance quote comparison from top rated Florida insurance companies. We are a Florida based insurance agency that continually monitors Florida’s insurance market for the best mobile home insurance companies. Input your information once at our secure Mobile Home Insurance Quote Page and we can quote it with all of our carrier’s in one easy step. We will email, fax, or call with your quote comparison, normally within 24 business hours. It’s the easiest way to get quotes from multiple companies online.

Florida Mobile Home Insurance Coverages

Florida mobile home insurance coverage starts with the amount of coverage you require to cover the dwelling you own. Florida asks mobile home insurance companies to insure newer mobile homes on their books for the amount it would cost to replace the mobile home today. This causes confusion for some consumers that only want to insure the mobile home for what they think it is worth. There is usually always a difference between the market value of a mobile home and the replacement value. The insurance companies typically insure for the replacement cost, unless the mobile home exceeds a certain age at which point the mobile home is insured to the depreciated value. Make sure you review this with your agent and the replacement cost is included in your policy. Florida Mobile Home Insurance Additional Coverage The additional coverages included on your Florida mobile home insurance policy are other structures which is typically figured at 10% of what you insure your mobile home for. This covers any structures that are not attached to your mobile home (i.e. shed, detached garage, etc.). Contents coverage is also included normally at 50% of the mobile home's replacement value. Contents include all of your personal belongings and appliances. Make sure your contents coverage includes replacement cost also, otherwise all of your belongings will be depreciated in the event of a claim. Loss of use is also normally figured at 10% of the dwelling amount and covers expenses you may incur if you have a claim that requires you to find somewhere else to stay while the mobile home is being repaired. Medical payments, generally $5,000, pays if a guest is injured at your mobile home and requires medical attention. Personal liability pays for property damage or bodily injury where you are held liable. The limits for personal liability start at $100,000 and generally go up to $300,000. If you need more liability coverage to protect assets of greater value excess liability can be purchased under a separate policy for as much as you want. Be sure to discuss this with your agent as the liability claims attribute to the higher value of claims paid in a single event.

Florida Mobile Home Insurance Optional Coverages

Optional coverages can include screened porches as some companies are no longer covering this under their standard coverage. Also, flood Insurance is not covered under your mobile home insurance policy and should be considered as the entire state of Florida is in some designated flood zone. Your mobile insurance policy also limits the amount of coverage for electronics, jewelry, artwork, furs, collectibles, etc. If you own anything of substantial value be sure to discuss this with your agent.

Florida Mobile Home Insurance Companies

We represent and compare rates of top rated insurance companies in Florida. Safe Harbor, American Traditions, and many more.

Florida Boat Insurance Coverage Area

We are licensed to write insurance throughout the state of Florida including but not limited to Jacksonville, Miami, Tampa, St. Petersburg, Orlando, Tallahassee, Cape Coral, and Pembroke Pines.