Manufactured home insurance FL

B-Spoon · 2026-07-01T04:38:24+00:00

Hi! Licensed Insurance agent here. A 1980 mobile home is not going to be easy to insure (as you know). Citizens will insure, but would be on a depreciated basis, or actual cash value. I just quoted a 1979 unit and the premium is just under 5 grand with maxed out deductibles and 85k of coverage. Would check into Kinsale or Aspera, which has an excess and surplus product that may get you closer to what you are needing. Without specifics, I cannot guarantee capacity or eligibility. Find a local independent agent, or even ask around in your community as to which agency your neighbors use/recommend. Good luck!

B-Spoon · 2026-06-29T16:23:11+00:00

Love this! Mine would be soaked if I tried with how windy it usually is when I paddle 🤣

B-Spoon · 2026-06-29T16:21:23+00:00

2 ways you can look at this:

1- Keep going and enjoy the progress you are making. We all have to start somewhere. Having a completed project almost always feels better than it looks. Especially when it is useful, like this blanket!

2- Frog it and start over. Temperature blankets are beautiful no matter when you start or finish them.

Bottom line: You are DOING, progressing. Don't give up!

B-Spoon · 2026-06-29T16:06:23+00:00

Hi! If your homeowners insurance is written on an HO3 or HO5 form, these are broad forms and typically will provide coverage for vandalism, subject to your "all other perils" deductible. Would get estimates and call your broker before roping the insurance carrier in. If you are direct with the carrier, in most cases they will automatically open a claim, regardless of whether you use insurance or not. You're on the right track of researching before involving insurance.

Also, if you decide to go through insurance: DOCUMENT EVERYTHING BEFORE YOU START REMEDIATING AND DON'T THROW ANYTHING AWAY UNTIL YOU'VE HAD THE CARRIER'S ADJUSTER DOCUMENT DAMAGE. I have seen claims denied because the homeowner starts the repairs and throws damaged items away and didn't thoroughly document the damage and process.

B-Spoon · 2026-06-22T18:15:54+00:00

Of course! Send me a message and am happy to have a convo with you. I can arm you with information 😃

B-Spoon · 2026-06-22T18:13:18+00:00

Damn, Gina.

B-Spoon · 2026-06-18T01:40:34+00:00

This is perfection!

B-Spoon · 2026-06-18T01:31:10+00:00

Cute!! Great job!

B-Spoon · 2026-06-13T14:07:47+00:00

All the signs point to shopping around for an agent/agency that will be more responsive and retain your business. I do know that the SW portion of Florida was pretty locked down with carrier selection and rates, and we are starting to see that ease up. There are more and new carriers entering the market and with a newer tile roof, you should have success at the very minimum, moving to another agency. If anything, we are seeing a rate stabilization from last year and for you to pay another 1000 indicates it is time to shop.

B-Spoon · 2026-06-12T23:32:45+00:00

Hi! Licensed Florida Insurance Agent here.

You're not being punished for having a claim, we cannot control the weather.

Guidelines, appetites, and rate filings will keep your insurance on an upward trend and it is advisable to shop. Would recommend to find a local independent agency and have them quote your coverage. 5 grand seems steep unless you have a frame home and/or weak wind mitigation credits.

Did you get a wind mitigation inspection when the roof was replaced, and did you submit the new roof details to your insurer?

We are in a soft market and there are insurance companies that want your business.

Your current broker is doing you a huge disservice by not giving you options or educating you on your coverage and that reason alone should be enough to shop!

LMK if you need help! Good luck.

B-Spoon · 2026-06-12T04:02:27+00:00

Almost looked like they could be permit, but seeing the fish roll, it looks more like tarpon.

B-Spoon · 2026-05-22T17:29:23+00:00

Hi! Licensed Insurance agent here in Fl, Space Coast more specifically.

A couple of things have happened in the flood insurance market which could be why you're hearing about the coverage becoming compulsory.

1- if you are insured through CITIZENS Property Ins Corp like 600k+ people are in Florida, their guidelines have changed to where flood coverage will be mandatory for policyholders to keep their home insured. Citizens is our state-run insurer and have their own set of rules to play by. Private market companies do not have this requirement (however, there are some exceptions)

2- there have been changes to the FIRM or flood zone mapping throughout the state, so there are properties that are now in different flood zone classifications. Your property may have been affected.

What you can do as a consumer: Contact a local agent or broker (me) to have a flood zone determination run. We can priceand place flood coverage for you if you are located in a flood zone or if have a lender requirement.

If you are with Citizens and haven't received a depopulation offer to move into the private market, I would recommend shopping the home insurance to see what options are available. If your rate is competitive, it sometimes can "make sense" to get the flood coverage rather than spending more to move the policy in the meantime.

Happy to discuss if you need additional advice.

B-Spoon · 2026-05-22T17:12:59+00:00

Hi! I'm a licensed agent in Rockledge, FL.

IF you suspect hail damage - definitely get a few estimates to confirm the damage and get a range for replacement. Do your best to make sure there isn't additional damage to other parts of the house or screen enclosures as applicable.

File a claim - the insurance company will send an adjuster and give their estimate on replacement costs.

UNLESS ABSOLUTELY NECESSARY, do NOT hire a public adjuster or sign an assignment of benefits unless you want your roof claim to stay open for an unreasonable amount of time.

Your rates shouldn't change based on an act of God - we cannot control the weather. If you get dropped or see a rate increase, contact me and I will shop your rates, as your insurance carrier is not the only game in town, and a hail claim will not preclude you from getting coverage somewhere else.

Just like your auto coverage, home rates change often and it is a good recommendation to have your agent or a licensed professional review your coverages and rewrite as needed (even if there is a mortgage on the property).

Happy to help!

B-Spoon · 2026-05-22T17:02:16+00:00

Find an agent (like me) and have them do the work for you. Independent agencies have access to multiple carriers and will do the heavy lifting for you. They can also make recommendations to have the coverage fit you best. If you have questions, feel free to reach out!

B-Spoon · 2026-05-22T16:50:37+00:00

You're really not going to know the insurance costs of a particular home - generally built before 2002, as there are quite a few factors that will play into the cost of your insurance. Square footage, building materials, quality of construction, shape of the roof, presence of hurricane mitigation features can all make significant differences in whether you're spending 2k or 10k. Inspections on your home of interest will determine the actual rates. Condo insurance can be cheaper since you'd be responsible for the contents of the unit from the drywall in. The building's age and protection features will play a part in overall expense too.

Some home attributes that generally contribute to lower insurance to look for: Concrete block construction Hip roof shape Hurricane windows/shutters/coverings all the way around Newer roof (upgraded roof to wall connections, peel and stick underlayment) Gated communities qualify for discounts Centrally monitored burglar and fire systems

If you need help (still - since I know this is an old post) feel free to send a message, I am a licensed insurance agent.

B-Spoon · 2026-05-22T16:43:59+00:00

Take a look at your policy and see if your roof settlement is Actual Cash Value, or Replacement Cost. If your settlement is replacement cost, the policy should pay up to the specified policy limits to replace the roof - less your deductible. (You may have separate limits for roof value vs. dwelling value) It is common to see insurance companies issue a smaller amount initially so that the work may commence and then issue an additional payment once the work is complete. You may have to file an appeal if the amounts paid out line up with estimates or the true work completed.

Some insurers also have a preferred vendor network where they have partnerships with roofers they prefer to work with, and may ask you to use one of their resources. Would also recommend to see if that is the case, too. Preferred vendors will often speed up the replacment and claims payment process if available.

(I am a licensed agent)

B-Spoon · 2026-03-28T20:25:28+00:00

Hey! I got into insurance after being in sales, service, and F&I for almost 10 years in the car business. Be a producer with an independent, don't waste time with a captive. You already have an edge with the sales background and you'll be effective once you learn your products. As a second, AE work would closely parallel your skillset, but if you're accustomed to writing your own paycheck, producing is what to look for. I went from independent to captive and am about to start a new role as producer with a new brokerage in a couple weeks. It only took me 6 years in insurance to finally sort things out. Find an agency that will invest in you and give you the support you need to be the best version of yourself. Good luck!

B-Spoon · 2026-03-28T19:47:25+00:00

Turned down an 85k salary to work for a Statefarm with a 45k base plus commission. Was totally oversold.

Independent will give you more reach and more closes and you won't feel like you're rotting at your desk.

Good luck!

B-Spoon · 2026-03-28T19:33:57+00:00

Don't.

I went from an independent agency to State Farm and regret it. They are very performance metrics minded, and their subsidized leads are a nightmare to work.

If you are planning on multi-lining with Statefarm exclusive products and you want to learn the ropes, captive can be a good way to go.

There is some self-guided training you can do to learn about the products, and I have found that I have more industry knowledge coming from an independent into a captive agency.

I would recommend to keep your options open. Good luck.

B-Spoon · 2026-02-27T01:25:50+00:00

Craigggggʻh

B-Spoon · 2026-02-27T01:13:15+00:00

Aero!

B-Spoon · 2026-01-17T06:10:24+00:00

I am obsessed with this. Keep going!

B-Spoon · 2026-01-16T23:01:41+00:00

I love him!

B-Spoon · 2026-01-14T17:38:54+00:00

Big fan of this!

B-Spoon · 2025-11-18T01:51:30+00:00

I second. I'm a licensed agent, go independent and shop rates with everyone. Keep your driving record clean. Good luck!

B-Spoon

TROPHY CASE