Mobile & Manufactured Home Insurance in Florida – The Marcus Group

Why Mobile & Manufactured Home Insurance Matters in South Florida

Mobile and manufactured homes provide a cost-effective path to homeownership for many Florida residents. But these homes face unique risks compared to traditional houses — including wind, storm, and transportation-related damage.


At The Marcus Group, we specialize in insurance for mobile and manufactured homes in Florida, offering affordable, tailored protection for both your property and belongings.

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MOBILE HOME INSURANCE

What Our Mobile & Manufactured Home Insurance Covers

Aerial view: Mobile homes, road with shrubs, and farm fields. A truck is parked near the homes.

Dwelling Coverage

Protects the structure of your mobile or manufactured home against covered risks like fire, wind, and vandalism.

Personal Property Protection

Covers belongings inside your home — furniture, clothing, electronics, and valuables.

Liability Coverage

Safeguards you if someone is injured on your property or you’re found responsible for damage.

Covers sheds, carports, decks, and other property structures.

Additional Structures

Loss of Use

Helps with temporary living expenses if your home is uninhabitable due to a covered loss.

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Common Add-Ons & Options

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Flood Insurance Add-On

Essential for South Florida homeowners, since standard policies do not cover flooding.

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Hurricane & Windstorm Coverage

Additional protection for high winds and severe weather events.

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High-Value Item Endorsements

Covers expensive electronics, jewelry, or collectibles beyond standard limits.

Who Needs Mobile Home Insurance in Florida?

  • Mobile Homeowners – Protecting affordable housing investments.

  • Manufactured Homeowners – Coverage tailored for factory-built homes.

  • Seasonal & Vacation Homeowners – Secondary mobile or manufactured homes.

  • Retirees & Families – Affordable protection for long-term living.

Local Risks to Consider

Mobile and manufactured homes in South Florida face specific risks:


  • Hurricanes & Tropical Storms – High winds and heavy rain can cause major damage.

  • Flooding – Especially Florida’s flood-prone zones.

  • Construction Differences – Built differently from traditional homes, requiring specialized coverage.

  • Transportation Risks – Potential damage if the home is relocated.

FAQs – Mobile & Manufactured Home Insurance in Florida

  • Is mobile home insurance required in Florida?

    Not by law, but most lenders and communities require it — and it’s strongly recommended.

  • Are manufactured homes insured differently than mobile homes?

    Policies are similar but tailored to the unique risks of each type of home.

  • Does mobile home insurance cover flooding?

    No. Flood insurance must be purchased separately. We can help secure coverage.

  • Can I bundle mobile home insurance with auto or other policies?

    Yes. Bundling often saves money and simplifies coverage.

  • Do you insure vacation or seasonal mobile homes?

    Yes. We provide coverage for secondary and vacation properties.

Protect Your Home with Confidence

Get the Right Mobile & Manufactured Home Insurance in Florida

At The Marcus Group, we’ve helped South Florida families protect their mobile and manufactured homes since 1999. With access to top carriers and local expertise, we’ll make sure your home and belongings are protected.