Whether an insurance company will require a tie-down inspection for you to get coverage on your mobile/manufactured home depends on four variables:

Which Company - Some insurors have stricter requirements than others. Also, the standards can change over time. 

Location - Homes near the coast or in South Florida are more likely to need a tie-down inspection.

Year of Home - Older homes were installed to a lesser tie-down standard than ones since 2000, and are more likely to require an inspection.

Park or Owned Land - At the time of this article, one company writes insurance on homes in a park without a tie-down inspection that were manufactured in the mid-1970s or newer, while homes on owned land must be at least mid-1990s.  

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Here’s links to a collection of our blog posts about MOBILE/MANUFACTURED HOME TIE-DOWNS:

• What are the tie-down requirements for a mobile home?

• What are the most common defects in mobile/manufactured home foundation piers?

• Why does Florida have mobile/manufactured home installation standards that exceed HUD requirements? 

• How often should mobile home tie-downs be checked?

• What is the maximum spacing for mobile/manufactured home tie-downs in Florida? 

• What causes a crowned floor in a mobile/manufactured home? 

• Can over-tightening mobile home tie-down straps cause the floor to buckle?

• What year were mobile homes required to become more storm resistant?

• What is a "Florida override" of HUD mobile/manufactured home installation standards?

• Do piers and tie-down anchors have to be approved by the State of Florida for manufactured/mobile home installation in Florida? 

• What are the tie down requirements for a modular home?

 • What does a home inspector look for when examining a mobile home crawl space? 

• What is the definition of a "permanent foundation" for a mobile/manufactured home? 

       Visit our MOBILE/MANUFACTURED HOMES  page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.