A manufactured home is built in a factory and installed on a site. Insurance for it is not the HO-3 used for a site-built house. Wind is the exposure that dominates the conversation in Florida, including well inland, because these homes are light compared with a block house.
What it covers
The home itself, attached structures the form lists, your belongings, and personal liability, when those coverages are on the policy. A porch, a carport, and a shed may need to be scheduled. Loss of use, if the form includes it, helps when a covered loss makes the home unfit to live in. The hurricane deductible follows the same idea as on a site-built house. Section 627.701 is the statute. The declarations page has the percentage.
What it doesn't cover
Flood. A home that has been moved, altered, or left without the anchors the company required, if the form says so. Wear, wood rot, and a soft floor. The land, if you do not own it. A park's roads and bathhouse. An addition that was never described to the company.
Florida specifics
Tie-downs and anchors are not a decoration. Companies ask about them because wind takes a loose home. The year of the home matters more often than it does for a block house. Parks in Clay County and in Duval County both show up in our offices. Some are inland and still have a wind question. Homes near the St. Johns or the beaches also have a flood question the home policy will not answer.
How we help
Tell us the year, whether you own the land, and what the park requires. Photos of the roof and the anchors save a second trip. We shop the companies that still write manufactured homes at that age and we will say plainly when wind is excluded. Start a home quote and note that it is a manufactured home, or call either office.