Florida Mobile Home Insurance

Hurricanes, fires and flooding are the biggest threats to your mobile home and financial security. You never know when any natural disaster will hit your home, but you can protect yourself from financial loss with mobile home insurance.

Florida insurance companies are required to give you a checklist for the policy and detail deductible costs before you sign on the dotted line. This way you know exactly what is covered and how much the out of pocket costs will be. Don’t wait for disaster to strike to improve your coverage. Stay up to date with your Florida mobile home insurance so that your family can stay safe from floods, fires or other natural disasters comfortably.

Your mobile home insurance policy should provide coverage for your home and personal property such as clothing, cooking appliances, TVs and your other personal possessions against disasters such as fire, lightning, wind or hail damage, and more. The policy covering your mobile home may provide dependable protection against accidents that happen to somebody else for which you are legally responsible.

Your mobile home policy should provide:

Coverage for your mobile home

Your mobile home policy protects your mobile home and adjacent buildings (buildings on your lot that are not connected to the mobile home, such as a shed) from all forms of loss unless they are expressly excluded in the insurance policy. Mobile home insurance in Florida should include protection against fire, hurricanes, tornadoes, falling objects (such as a tree or telephone pole) lightning, explosion and many more disastrous situation.

Protection for your personal effects

Your policy also includes similar protection against a wide range of disasters for your personal property, while on your residence lot or in an adjacent building. Personal property coverage also applies while your property is away from your home, but with a lower maximum limit and a smaller range of disasters insured against.

Personal Liability protection

Accidents can and often do happen, and if you accidentally cause bodily injury or property damage to someone who doesn’t live in your home, whether by your actions or lack of action to fix a hazardous condition, you could be faced with large out of pocket expenditures due to court losses or legal damages. Your insurance policy can pay for medical costs to a non-resident of your home in addition to the damages or defense costs due to a covered accidental condition.

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