Pre-1994 & pre-HUD
Insurance for older mobile homes, including pre-1994
Yes, older mobile homes can be insured. Nymble Insurance places Florida mobile homes built before 1994, and even before June 1976, when the roof, anchoring and systems are in reasonable shape. Expect more questions than on a newer home, and some homes are written at actual cash value.
Why 1994 matters
After Hurricane Andrew, HUD wind standards for manufactured homes were strengthened for homes built from mid-1994 on. Many insurers therefore treat pre-1994 homes separately. Nymble places both.
What helps an older home get quoted
- Photos of all sides, the roof and skirting
- Roof year and type
- Tie-down inspection paperwork
- Plumbing, electrical and A/C updates, with dates
- The data plate or title showing year and make
What to expect
Older homes may be written at actual cash value, carry a higher wind deductible or need an inspection. Your agent will explain the options first.
Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.
Common questions
Can you insure a 1970s mobile home in Florida?
Often, yes. Approval depends on underwriting.
Will I need an inspection?
Some insurers ask for photos or an inspection on older homes.