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Special or Basic – In Florida your mobile (manufactured/modular) home insurance is likely to be an MHO-3 or DP-1 policy form, otherwise known as special form or basic form. Each policy form is packaged with both property and liability protection but the extent of the protection varies widely between forms. Knowing the differences between these policies can help you make the right insurance decisions. It is very important to check your policy form to see which of these coverages you carry.

Basic Form DP1, the basic form, policies are by definition the most basic type of Florida mobile (manufactured/modular) home insurance available. Basic form policies protect against specific perils only such as fire or lightning, wind or hail, smoke, explosion, riot and civil unrest, vandalism or malicious mischief. Things like theft and water damage may not be covered. Protection is only for the things specifically listed in the policy, so you may not be covered as well as you would like. This product carries with it a list of excluded coverages and limitations.

Special Form MHO-3, or special form, policies are the most common type of Florida mobile (manufactured/modular) home insurance available. Unlike the basic form, special form covers all causes of loss except those which specifically are excluded by the policy. Special form also includes loss of use coverage, which pays for the living expenses you incur if your home is unlivable during repairs after a covered loss. There is also typically a no-fault medical coverage for minor injuries to guests at your home.

Replacement Cost Florida mobile (manufactured/modular) home insurance property claims are settled in two ways: replacement cost (RC) and actual cash value (ACV). A replacement cost settlement will pay up to the replacement value cost of the home, but an ACV settlement will depreciate the value of the home based on age and condition at the time of loss. Special form policies are generally written as replacement cost but basic form policies are generally written as actual cash value. Your contents inside the home are also settled under replacement cost or actual cash values. Make sure you have replacement cost coverage if you would like to replace the items in your home with new items instead of used.


  • Other structures. If you have other structures on your property, that are not attached to the mobile home, you will need to consider covering them under other structures.
  • Replacement cost for your contents. This coverage is normally not included in the base policy and must be added separately.
  • Valuables. If you have jewelry, furs, collectibles, antiques, electronics, or other valuable items, your homeowners policy may not give you the protection you need. Most policies limit the amount of coverage on these items to $1,000 – $2,500. You may want to consider a personal articles floater to insure the items for full value.
  • Sinkhole coverage. Sinkhole coverage can be added to your policy for an additional premium. Some carriers require that you pay for an inspection before they will add this coverage to your policy. If you do not carry sinkhole coverage, your policy will only cover catastrophic ground collapse, which means your home must be condemned in order to trigger coverage.


  • Animal Liability. Most Florida mobile (manufactured/modular) home insurance companies will exclude or limit the amount of coverage for an animal related claim. Other coverage can be obtained to cover animal liability, so check with your agent.
  • Trampolines, skateboard ramps, diving boards, slides, un-gated and un-screened pools, or other unusual or dangerous conditions may be un-insurable or excluded from coverage.
  • As mentioned above, theft and water damages are excluded from basic form policies.


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  • Deductible. You may increase your deductible in order to reduce your premium, but you should carefully consider such factors as how much of a discount you will receive for a given deductible, and how much you can afford to pay for each claim.
  • Monitored alarm system discount. Many companies offer discounts to policyholders with a monitored security system.
  • Gated, guarded, or single entry communities. Communities that are gated, have a security guard, or have a single entry into the community are eligible for discounts with most insurance companies.
  • Age of home discount or surcharge. Most companies offer discounts based on the age of the home. Newer homes receive discounts due to more stringent building codes that have been applied in recent years. Older homes typically receive surcharges based on age. This is due in part to less stringent building codes used in years past.
  • Protection class rating. Mobile (manufactured/modular) homes that are located within 5 miles of the fire department and within 1,000 feet of a fire hydrant are less expensive to insure than mobile homes that are not. These homes obviously have a faster fire department response time.
  • Territory. Where your mobile home is located in the state can significantly impact your insurance premiums. Areas that suffer more losses (windstorm, sinkhole, etc.) have higher rates than areas that do not.
  • Usage. Secondary or seasonal homes will generally pay a little more than primary residents.
  • Credit history. Insurance companies are permitted to use credit history as one of the factors that determine risk. Stronger credit ratings can provide a discount from some companies.
  • Retired? If you have retired, or are over the age of 50, some carriers offer discounts.
  • Florida mobile (manufactured/modular) home insurance company appetite. Certain companies experience better claims histories with certain homes, locations, and age groups. Their rates reflect this by offering lower rates to those groups they have found the best experience with.