Mobile Home Insurance
Reliable Mobile Home Insurance for Tampa Residents
Mobile and manufactured homes are popular housing options in Tampa—but they face unique vulnerabilities.
With the area’s high exposure to hurricanes, flooding, and severe weather, having the right insurance coverage is essential.
At Insurance Central of Tampa Bay, we specialize in protecting Tampa homeowners with comprehensive mobile home insurance plans.
Our local experience ensures you receive coverage tailored to Florida’s climate and property risks.
Why Tampa Residents Choose Insurance Central
Our agency has deep roots in the Tampa Bay area. As an independent insurance broker, we represent multiple carriers, giving you access to a wide range of policy options at competitive rates.
In addition to mobile home insurance, we offer homeowners, auto, health, life, and even commercial auto insurance.
Our goal is to be your one-stop insurance resource in Tampa.
What’s Typically Covered Under Mobile Home Insurance?
Structural damage caused by wind, hail, fire, or vandalism
Optional coverages may include replacement cost, water backup, and extended liability.
Because flood damage is not covered under standard policies, we strongly recommend adding flood insurance—especially for homes in low-lying areas.
Understanding Tampa’s Insurance Landscape
Insurance in Florida is complex, and Tampa is no exception. While mobile home insurance isn’t required by law, lenders will often require proof of coverage.
Even if you’re mortgage-free, a policy protects your investment from costly damage.
Compared to standard homeowners policies, mobile home insurance is specifically designed to account for factory-built construction and placement on mobile foundations.
Learn more about coverage comparisons in our home insurance blog post.
Frequently Asked Questions
How much is mobile home insurance in Tampa?
Premiums typically range from $300 to $1,000 per year, depending on the home’s age, size, and location.
Does mobile home insurance include flood coverage?
No. You’ll need a separate flood insurance policy for protection against rising water.
Can I combine mobile home insurance with other policies?
Yes. Bundling with renters, auto, or health insurance may reduce your overall costs.
What’s the difference between term and whole life insurance?
If you’re considering long-term financial protection, check out our Florida life insurance guide for a breakdown of your options.
Is this coverage only for permanent residences?
No. Whether your mobile home is your primary residence or a seasonal home, we can help you choose the right coverage.