An Excess & Surplus Lines MGA in Clearwater, FL

Manufactured / Mobile Homes

mobile-home-insurance-floridaMobile Home Insurance Florida – We write Mobile / Manufactured / Modular Homeowners policies through our in-house program with the Lloyd’s of London. Similar to our Homeowners program, we offer a variety of policy options to meet your client’s coverage and deductible needs. This program is very competitive for older manufactured /mobile homes.



Eligible Manufactured / Mobile Homes :

  • Limits between $6,000 – $75,000. Max TIV of section A, B, C and D total $120,000.
  • Must be tied down to HUD regulations.
  • Owner occupied or tenant occupied and must be used exclusively for residential purposes.
  • Applicant must be gainfully employed or retired.
  • Wind eligible if located greater than 5 miles from salt water. (Does not apply to Tampa Bay.)
  • All Florida counties eligible for wind except for Dade, Monroe, Broward, Palm Beach, Escambia, Santa Rosa, Okaloosa, Walton, Bay, Gulf, Franklin and Wakulla.
  • No photos required.
  • No Age restrictions on home.
  • We write Protection Class 1 – 10.
  • Includes catastrophic collapse coverage.

We offer a variety of Policy Options:

  • Policy Form Flexibility: H0-3, H0-8, DP-1 and DP-3 forms
  • Replacement cost on contents available.
  • Wind Deductibles available from 2%, 3% or 5%.


If you haven’t already, be sure to get appointed with us to gain access to our wide range of programs.


Severe Weather Bulletin - Moratorium

During Hurricane Season, agents may not bind applications for new coverage or policy changes for increased coverage, regardless of effective date, when a tropical storm, hurricane watch or warning has been issued by the National Weather Service for any part of the state of Florida or the Southeast region of the United States.