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.


Due to the Florida market conditions, we will no longer be writing mobile home dwelling policies in 2022.