Coverage built for mobile and manufactured homes
Specialized insurance for mobile and manufactured homes in Miami Lakes, Hialeah, Doral, Miami Gardens, and across Miami-Dade County — covering your dwelling, contents, and liability with policies designed for how you actually live.
What's Covered
Mobile and manufactured homes need coverage that's purpose-built — not a standard homeowners policy retrofitted to fit. Whether you own the lot in a Hialeah park or rent space in a Miami-Dade community, we'll quote a plan that protects your home, your belongings, and your liability with the right limits for South Florida.
Why Coverage
Serving Miami Lakes, Hialeah, Doral, Miami Gardens & all of Miami-Dade County.
We've been insuring mobile and manufactured homes across Miami-Dade County for 30+ years. We know what carriers actually want to write the policy, what they exclude, how the four-point inspection process works for older homes, and how to navigate hurricane season — and we'll explain it all in plain language.
Get a Free QuoteLocal Expertise
South Florida has one of the largest concentrations of mobile and manufactured homes in the country. Each situation — community, age, tie-down, lot ownership — has its own coverage and underwriting profile.
Mobile homes in Miami-Dade are especially vulnerable to wind from named storms. Most policies include a separate hurricane deductible — typically 2% to 10% of your dwelling limit — and we'll explain when it triggers, what it covers, and how proper anchoring can lower your premium.
Whether you own the land in a Miami Lakes park or rent a lot in Hialeah, we can structure the policy correctly. Lot ownership changes the way dwelling coverage and other-structures coverage are written.
Pre-1994 manufactured homes can be harder to insure in Florida due to HUD code changes and tie-down requirements. We work with carriers who specialize in older mobile homes — bring us the year, make, and tie-down/anchor details and we'll find you a fit.
As with traditional homes, mobile home policies don't cover flood damage. Many Miami-Dade mobile home parks sit in flood-prone zones — we'll add an NFIP or private flood policy as needed.
Common Questions
No — mobile and manufactured homes need a specialized policy. Standard homeowners policies typically won't cover them in Florida.
Wind damage is usually covered, often with a separate hurricane deductible. Flood is separate. We'll review your Miami-Dade location and recommend whether to add flood.
We can write a policy whether you own the land or rent the lot in a community — coverage adjusts to your situation.
Older mobile homes can be harder to insure, but we work with carriers who specialize in them. Bring us the year, model, and tie-down details and we'll find a fit.
Related Coverage
Most mobile home owners in Miami-Dade carry a few additional policies. We'll quote them together for multi-policy savings.
Bundle auto insurance in Miami Lakes with your mobile home policy for a discount.
Have a traditional home as well? See home insurance for site-built homes.
If a family member rents elsewhere, renters insurance protects their belongings.