Zephyrhills, Florida: the land of lush countryside, and home to some of the purest spring water. It's even bottled and distributed nationally.
But wait… there is another thing that makes Zephyrhills famous. Zephyrhills has been known to be one of the most popular areas for seniors to live following their retirement. Along with its array of unique restaurants and vast green golf courses, Zephyrhills is a desirable community for people 55 and older. Because of this, the land throughout Zephyrhills has been sprinkled with many different mobile home parks and senior living communities.
How many mobile home parks are we talking about? Zephyrhills has over 100 mobile home parks and at least 50 retirement communities alone. (That’s a whole lot of Werther’s Originals). Many senior citizens are drawn to this suburban district because it’s so inexpensive, especially for those who are looking for a nice place to retire. It’s population of roughly 13,000 people gives it a non-crowded, socially-distant vibe that is comforting to those who aren’t too fond of busy, overpopulated cities.
While these homes are low-cost and suitable for those in the course of their retirement, there are different insurance regulations as compared to regular homes in the state of Florida. Florida does not require homeowners to have mobile home insurance but if you have a mortgage on your residence your lender can require that you carry coverage. Many mobile home communities or parks require that all mobile homes which reside in their park must have the proper insurance with the landlord’s name as an additional insured on the policy. It’s plain and simple! Florida is home to hurricanes and rain, rain and more rain! Because mobile homes are typically made up of aluminum, metal and/or wood, it definitely raises questions as to how durable these homes are if a natural disaster were to happen. When a hurricane strikes, aren’t mobile home communities one of the first areas required to evacuate? The reason for this requirement is the historical fact of mobile home owners experiencing more damage to their residence than apartments and homeowners.
“What will be covered under my mobile homeowner’s insurance policy?” you ask? Easy! Your mobile home insurance policy can be equipped with dwelling coverage that protects the home and any included perils (causes of loss), personal property coverage for your belongings, liability coverage in case a person other than the insured is injured on your property, and additional expenses in result of having to temporarily reside elsewhere (like a hotel for example) due to damage to your structure. As far as what is NOT COVERED, mobile homes are similar to regular homes as they do not cover floods. That would require purchasing a separate policy.
One important thing to remember: Mobile homes are considered HIGH RISK, so that is definitely something to keep in mind when shopping for your policy and ensuring the right coverage.
So we know that having insurance on your mobile home is strongly encouraged to protect you and your possessions, but did you know that you can also receive discounts on your premiums? Take a look below of all the discounts mobile homeowners might be eligible for:
Living in an actual mobile home park
Having a water mitigation system and/or security system
Homeowner is 50 years or older
Being a continuous policyholder
Having little to no claims in the past
Primarily residing in a mobile home
Receiving all information through email and not physical paper documents
If you were to add a golf cart to your policy, you might be able to have it covered for up to $5,000 in damage for as low as $60 a year with popular insurance carriers like American Traditions. It’s like whoever created these qualifications knew who their target demographic was!
There are many factors that will determine the price of your premium or monthly costs. For example, the state you may live in and its weather conditions, the crime rate of the area the mobile home resides in, how old your mobile home may be, and many more.
It’s always best to consult your agent, and luckily Clifton and Lewis has a location in Zephyrhills that’s very close proximity to mobile home communities like Spanish Trails, Sunnyside, Pinecrest Mobile Home Parks and many more. If you’re looking for mobile home insurance to protect you, your loved ones and your possessions, call Clifton and Lewis Insurance Group for a free quote and a peace of mind!