Short answer: Yes, you can insure an older mobile or manufactured home in Florida, including one built before 1994, but fewer carriers will quote it and they look closely at the year built, the tie-downs, the roof and the home's condition. HUD's wind-zone construction standards changed in 1994, so the build year matters to underwriting. A current tie-down inspection, photos, roof details and any upgrade receipts make the biggest difference. Nymble Insurance is a licensed Florida independent agency, so we shop multiple carriers that write older homes. Call (813) 291-3484 or start a quote online.

Why the build year matters

Manufactured homes are built to federal HUD code. After Hurricane Andrew, HUD strengthened its wind standards for homes built from mid-1994 on, with higher design requirements in the coastal wind zones that cover much of Florida. Many carriers treat homes built before that change as a separate, higher-risk class. Some decline them; others will write them with tighter terms. That's why an older home often needs an agency that can shop more than one market.

What carriers look at

  • Tie-downs and anchoring. Florida requires mobile homes to be anchored to state standards (section 320.8325). A recent tie-down inspection showing anchors and straps in good condition is often the first thing an underwriter asks for.
  • Roof. Type, age and whether a roof-over was added. Bring the permit or receipt if it was replaced.
  • Condition and updates. Electrical, plumbing, water heater and HVAC. Photos of the exterior, skirting and any add-ons help.
  • Additions. Carports, screen rooms and decks attached to the home may be covered differently or excluded.
  • Location. Park or private land, distance to the coast, and the county.
  • Occupancy. Owner-occupied, seasonal or rented.

Own an older mobile home that's hard to insure? We are a licensed Florida independent agency, so we compare multiple carriers for you instead of selling one.

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Choosing the right coverage

  • Replacement cost vs. actual cash value. Some older-home policies settle the home itself at actual cash value, which deducts depreciation. Ask which applies before you buy.
  • Hurricane deductible. Florida insurers must offer hurricane deductible options for personal residential policies. Pick one you can actually pay after a storm.
  • Other structures and contents. Sheds, carports and your belongings have their own limits.
  • Liability. Important if you rent the home or have visitors on the lot.
  • Flood. Mobile home policies exclude flood. NFIP and private flood policies can cover manufactured homes on a permanent foundation.

Paperwork that gets you more quotes

  1. Year, make, length and width of the home (from the title or data plate)
  2. A current tie-down inspection (see our partner guide on tie-down inspections)
  3. Roof replacement or roof-over receipts and permits
  4. Photos of all four sides, the roof and any additions
  5. Your current declarations page or non-renewal notice

We place newer and older mobile homes across Florida. See mobile home insurance, start a quote, or call (813) 291-3484.

Frequently asked questions

Can I insure a mobile home built before 1994 in Florida?

Yes. Fewer carriers write them, so an independent agency that shops multiple markets has a better chance of finding coverage.

Do I need a tie-down inspection for mobile home insurance?

Many carriers ask for one, especially on older homes. Florida law requires mobile homes to be anchored to state standards.

Does mobile home insurance cover flood?

No. You need a separate NFIP or private flood policy.

Will an older mobile home be covered at replacement cost?

It depends on the policy. Some older-home policies pay actual cash value for the home. Ask before you buy.

What does Nymble need to quote my mobile home?

The year, make and size, a tie-down inspection, roof details, photos and your current declarations page.

Sources

General information, not legal advice or a coverage determination. Your policy wording controls. Last reviewed 2026-10-30.