What Is an HO‑7 Policy? (Florida Mobile & Manufactured Home Insurance Guide)
The HO‑7 policy form is not used in Florida. While HO‑7 appears in national insurance guides, Florida uses a different and more accurate form for mobile and manufactured homes: the MHO‑3 policy.
The MHO‑3 is the official Florida mobile/manufactured home insurance form and provides coverage similar to an HO‑3 but tailored to mobile home construction and wind requirements.
What Florida Uses Instead: The MHO‑3 Policy
The MHO‑3 policy includes:
- Dwelling coverage for the mobile/manufactured home
- Coverage for attached structures (carports, awnings, decks)
- Personal property coverage
- Loss of use coverage
- Personal liability protection
This is the correct policy type for Florida mobile home owners.
Why HO‑7 Is Not Used in Florida
Florida insurers do not file or sell HO‑7 policies because:
- Florida has its own mobile home form (MHO‑3)
- Hurricane exposure requires specialized underwriting
- Mobile homes must meet Florida tie‑down and wind zone standards
This is especially important for buyers researching florida mho3 home insurance requirements for first time homebuyers.
Need Help Choosing the Right Mobile Home Policy?
I can help you compare MHO‑3 options and choose the right coverage for your mobile or manufactured home.