Here’s how to get cheap mobile home insurance in Florida.

Known for its hurricanes, Florida real estate requires that mobile home owners have homeowners and hurricane insurance. You know of course that mobile homes are more easily damaged by weather than are traditional homes.

Do your due diligence when it comes to hurricane insurance. While you are trying to find the best price, you also want the one that protects you best. Here are some of the other things you should consider:

First up: how much protection do you actually need. Of course, the lower the payout the lower your insurance are. If you own the land under your mobile home, you don’t need the full value of your home because the land is still going to be there. You only need to replace the unit itself.

Next, know the difference between actual cash value and replacement value. Actual cash value gives you the depreciated amount of your mobile home. For instance, if you have a 2000 mobile home, they will give you the cash value of the 2000 unit. But, if you have replacement value, you will get a current unit’s value. Actual cash value gives you the less expensive policy.

Legal liability coverage is another variable. How much coverage do you need? If you have a pit bull, you need a lot more personal liability coverage than if you have a cat, for instance. You should know that increasing your liability insurance will not cost much, but if every penny counts it can be a low impact way to save money.

You may want or be required to have flood insurance. Check with your insurer to see if they have lower rates with a combined mobile home owners plan than the National Flood Insurance Policy.

The over 50 set often gets mobile home discounts. This is particularly true if you live in a seniors only park.

Finally, always inquire with your broker what deals he or she can make for you. There’s generally more flexibility than you realize.

That is basically how to get cheap mobile home insurance in Florida.

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