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Does Geico insure mobile homes in Florida?
My parents just moved to a fantastic mobile home park near Orlando. Now they need mobile home insurance. Does Geico insure mobile homes in Florida?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Ah, the Florida retirement life! Yes,
Geico
does insure mobile home insurance in Florida. Here are a few things to consider when it comes to your parents’ coverage.Check to see if they live in a high-risk flood zone. Even if the mobile home is not directly on the beach or a body of water, chances are they’re in or near a high-risk area. Standard mobile home insurance will not cover natural flooding and storm surge damage.
They may want to consider taking out separate
flood insurance
through the National Flood Insurance Program
. Damage from hurricanes will likely be covered, but there may be limits. Because Florida is one of those states prone to hurricanes, a mobile home policy may have limits on hurricane damage or a higher deductible in the case of such damage.
Do have your parents read the policy carefully and take out a separate endorsement for hurricanes if needed.
Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.
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- Gregory R.
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