Florida Mobile Home Insurance

Your mobile home protects you and your loved ones and iPex Insurance wants to help you protect it.

Affordable mobile home insurance is a form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in your mobile or motor home. Mobile home insurance also provides liability coverage against accidents in the home or on the property.

iPex provides coverage for various different types of homes such as: mobile homes, modular homes, single family dwellings, condos, townhomes, and multi-family homes.

Quick Facts about Homeowners Insurance in Florida
  • If you and your family have to move out of your home due to a covered loss, your additional living expenses of the hotel and meal costs can be covered under a homeowner's policy.
  • Your dwelling amount needs to match the rebuild price of your home, not your loan amount.

A mobile home policy can provide the proper coverage for your structure using a calculated amount of coverage based on the material and size of your mobile home. The contents inside are also covered from theft, fire, and many other perils that could take away your personal property. When others come onto your premises, you are responsible for any damage that may occur to them. In Florida liability and medical payments coverage to others are included in a mobile homeowner's insurance policy.

There are also additional add-on coverages available to ensure the protection of your valuables such as jewelry, electronics, artwork, and antiques. It's important to talk to your iPex agent or representative to learn what your homeowner's policy may and may not cover. For those perils that are not covered, there may be supplemental insurance you can purchase as well.

  • Dwelling Coverage

    Pays to repair or rebuild your home - including electrical wiring, plumbing, and heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild.

  • Personal Property Coverage

    This coverage helps to insure personal items in your mobile home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.

  • Loss of Use Coverage

    This form of homeowner's insurance covers additional housing and living expenses if you must move out of your home temporarily while it's being restored.

IMPORTANT: Water Damage vs. Flood Damage

A common misconception is the difference between water damage vs. flood damage. A typical renters and homeowners insurance policy covers water damage, but does NOT cover flood damage. Flood insurance must be purchased separately.


A flood is defined as a rising and overflowing body of water onto normally dry land. Generally, damage caused by water that has been on the ground at some point before damaging your home is considered flood damage. Flood damage to your home/place of residence can only be insured through a flood insurance policy.

Examples of Flood Damage:
1. A nearby lake or river overflows and causes a flash flood in your home. 
2. A storm drain or sewer drain gets backed up and causes a flood through the patio on the first floor of an apartment building.


Opposite from flood damage, water damage is considered to occur when water damages your home before the water comes in contact with the ground.

Examples of Water Damage:
1. During a heavy rainstorm, water leaks through your roof onto your furniture, floor, etc., causing damage. 
2. A pipe/hose from your washing machine breaks, causing water to leak, causing damage.

Cheap Homeowners Insurance Florida

Your mobile home is your castle and you have insurance to protect it; but is that insurance protecting your wallet? iPex Insurance has been helping owners of mobile and motor homes in Florida save money since 2010. We help our customers find the best low-cost mobile home insurance policy to keep their home and belongings protected from damage, theft, fires, and floods. We offer affordable insurance options for owners of manufactured homes, modular homes, motor homes, double wide trailer homes, single wide trailer homes, multi-section manufactured homes, and two story manufactured homes. Contact us now and get a no obligation mobile home insurance quote and let us help you save your money without sacrificing coverage.

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