Mobile Home Insurance in Hillsborough County

Updated 2026 · 6 min read

Mobile and manufactured homes are a significant part of Hillsborough County's housing stock — particularly in Plant City, Dover, Wimauma, and parts of eastern Hillsborough. But insuring them is harder than insuring a site-built home, and the rules are different.

This guide covers what mobile home insurance costs in , which carriers write policies in Hillsborough County, and how to keep your premium manageable.

Cost of Mobile Home Insurance in Hillsborough County

Mobile home insurance in Hillsborough County typically costs $1,200 to $3,500 per year, depending on:

  • Home age: Mobile homes built before 1994 (pre-HUD code) are much harder and more expensive to insure
  • Construction: Double-wide homes insure for less than single-wide
  • Tie-downs: Properly anchored homes qualify for wind discounts
  • Roof age: A new roof on a mobile home is a major premium reducer
  • Location: Flood zone and proximity to the coast matter
  • Age of community: Homes in older parks may be ineligible for some carriers
The 1994 rule: Mobile homes built before the 1994 HUD code update are significantly harder to insure. Many carriers won't write them at all. If you own a pre-1994 mobile home, your options are limited to specialty carriers and Citizens.

Which Carriers Write Mobile Home Policies in Hillsborough?

The mobile home insurance market in Florida is smaller than the site-built market. Carriers that actively write mobile home policies in Hillsborough County include:

  • Citizens Property Insurance — the most common option for older mobile homes
  • Foremost Insurance — a Farmers subsidiary specializing in mobile homes
  • American Modern — writes mobile home policies across Florida
  • Assurant — specializes in manufactured housing
  • Voyager Indemnity — mobile home specialist
  • Certain Lloyd's of London syndicates — for high-value or unusual properties

Standard carriers like State Farm and Universal typically do not write mobile home policies in Florida. You'll need to work with a specialty agent.

What Mobile Home Insurance Covers

Mobile home policies are similar to standard homeowners policies but with a few differences:

  • Dwelling coverage: Covers the structure of the home itself
  • Personal property: Covers your belongings inside
  • Liability: Covers injuries or damage you cause to others
  • Loss of use: Covers temporary housing if your home is uninhabitable
  • Wind and hurricane: Usually included, but with a separate deductible (often 2–5% of dwelling coverage)

Flood coverage is separate. Just like site-built homes, mobile home flood insurance comes from NFIP or a private flood carrier. NFIP writes mobile home policies but with lower coverage limits.

How to Lower Your Mobile Home Premium

  1. Verify your tie-downs. Properly anchored mobile homes with engineered tie-down systems qualify for significant wind mitigation discounts. Get a tie-down inspection report.
  2. Replace your roof if it's over 15 years old. Same 15-year rule as site-built homes. See our roof rules guide.
  3. Get a wind mitigation inspection. Mobile homes can qualify for many of the same discounts. See our wind mitigation guide.
  4. Bundle with auto insurance. Most specialty carriers offer bundling discounts.
  5. Consider a higher deductible. Moving from a $1,000 to $2,500 deductible can reduce your premium 15–25%.
  6. Shop Citizens and specialty carriers. The premium difference between carriers can be $1,000+ per year.

For the broader insurance picture, see our insurance costs guide. If you're comparing Citizens to private carriers, see our Citizens vs Private guide.

Bottom line: Mobile home insurance in Hillsborough costs $1,200–$3,500/year. Pre-1994 homes face limited options and higher rates. Tie-downs, a newer roof, and wind mitigation inspections are the biggest levers for lowering your premium.