Florida requires mobile home dealers, brokers, manufacturers, and installers to maintain the appropriate surety bond or other permitted financial security as part of state licensing. Required bond amounts range from $5,000 to $50,000 , depending on license classification. A1SuretyBonds.com offers one convenient online application process for all four Florida mobile home license bond types, subject to underwriting and approval.
Florida Mobile Home License Bond Types, Amounts & Costs
| License bond typeWho needs itRequired bond amountAnnual base premium | |||
| Mobile Home Broker / Dealer | Brokers arranging used mobile home sales. Dealers selling new or used mobile homes. | $25,000 or $50,000 | 1.5% for qualifying applicants |
| Mobile Home Manufacturer | Manufacturers of mobile homes offered for sale in Florida | $50,000 | 1.5% for qualifying applicants |
| Manufactured/Mobile Home Installer | Installers performing mobile home setup and installation | $5,000 | $100 |
The $50,000 dealer/broker requirement applies when the licensee has more than four supplemental licenses. Premiums shown are published base rates for qualifying applicants and are subject to underwriting. The bond amount is not the premium paid.
Apply Online — One Application for All Four License Types
Select Your License Type - Complete Your Application - Receive Your Bond Quote
Choose Mobile Home Broker, Mobile Home Dealer, Mobile Home Manufacturer, or Manufactured/Mobile Home Installer in the online application.
APPLY ONLINE FOR YOUR FLORIDA MOBILE HOME LICENSE BOND QUOTE
Complete your application online. A1SuretyBonds.com will review your submission and email an approval or premium quote when available. An indemnity agreement is typically required before issuance.
What Is a Florida Mobile Home License Surety Bond?
A Florida Mobile Home License Surety Bond is a financial guarantee that helps ensure licensed mobile home industry professionals comply with applicable state laws, contractual obligations, and licensing requirements.
These bonds are regulated by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) under Chapter 320 of the Florida Statutes.
Although the four license types are related, each bond serves a different purpose:
- Broker Bond: Protects qualifying consumers against covered violations arising from used mobile home brokerage activities.
- Dealer Bond: Guarantees covered contractual and licensing obligations associated with selling new or used mobile homes.
- Manufacturer Bond: Provides financial protection involving applicable construction standards, manufacturer warranties, and statutory obligations.
- Installer Performance Bond: Guarantees covered obligations concerning proper installation and weather-sealing of manufactured or mobile homes.
The applicant is the principal , the state-designated authority is the obligee , and the issuing surety company guarantees the obligations described in the bond.
A surety bond is not conventional insurance protecting the licensee from its own losses. A principal or indemnitor may be required to reimburse the surety for valid claims paid under the bond.
Who Needs a Florida Mobile Home License Surety Bond?
Florida requires different licensing classifications depending on the business activities performed.
1. Florida Mobile Home Broker License Bond — $25,000 or $50,000
A Florida Mobile Home Broker License Bond is required for qualifying individuals or businesses licensed to arrange the sale of used mobile homes.
Under Florida Statutes § 320.77 , a mobile home broker includes a person who:
- Offers to procure or procures used mobile homes for the public.
- Acts as an intermediary or agent on behalf of the owner or seller.
- Assists a seller in locating a purchaser.
- Advertises or solicits business as a used mobile home broker.
Required bond amount:
- $25,000 for a licensee with four or fewer supplemental licenses.
- $50,000 for a licensee with more than four supplemental licenses.
Florida includes mobile home brokers within the statutory definition of mobile home dealers, although it maintains a separate broker licensing classification.
A broker must maintain an approved permanent business location but is exempt from the mobile home display-space requirement applicable to dealers.
Broker bond details:
- License classification: BH — Used Mobile Home Broker.
- Licensing authority: FLHSMV.
- Governing statute: Florida Statutes § 320.77.
- Official surety bond form: HSMV 86018.
- Published base premium: $375 annually for qualifying $25,000 bonds.
- Application process: Online application, underwriting review, and emailed approval or quote.
The bond guarantees covered compliance with applicable Florida mobile home brokerage laws and contractual obligations.
Apply for your FL Mobile Home Broker License Surety Bond now!
2. Florida Mobile Home Dealer License Bond — $25,000 or $50,000
A Florida Mobile Home Dealer License Bond is required for businesses licensed to buy, sell, offer, or display new or used mobile homes for sale.
Florida law generally requires a mobile home dealer license for businesses conducting these activities under Florida Statutes § 320.77 .
Required dealer bond amounts:
| Number of supplemental licensesBond amount | |
| Four or fewer | $25,000 |
| More than four | $50,000 |
The bond amount is based on the number of supplemental licenses associated with the dealer's licensed operations.
Florida permits certain alternative financial security instruments, including qualifying cash bonds or irrevocable letters of credit, as provided by statute.
Dealer licensing requirements include:
- Obtaining the proper mobile home dealer license.
- Maintaining an approved permanent business location.
- Meeting applicable display-space requirements.
- Completing required dealer training.
- Providing the appropriate surety bond or other qualifying security.
- Maintaining licensing records and other documents required by FLHSMV.
Dealer bond details:
- License classification: DH — Mobile Home Dealer.
- Licensing authority: FLHSMV.
- Governing statute: Florida Statutes § 320.77.
- Dealer license application: HSMV 86056.
- Official surety bond form: HSMV 86018.
- Published base premium: $375 annually for qualifying $25,000 bonds.
- Application process: Online application, underwriting review, and emailed approval or quote.
A Florida mobile home dealer bond guarantees covered obligations relating to written sales contracts and compliance with Chapters 319 and 320 of the Florida Statutes.
Apply for your FL Mobile Home Dealer License Surety Bond now!
3. Florida Mobile Home Manufacturer License Bond — $50,000
Florida requires qualifying mobile home manufacturers to provide a $50,000 Mobile Home Manufacturer License Surety Bond or another permitted form of financial security.
The requirement applies to manufacturers operating within Florida and to out-of-state manufacturers whose mobile homes are ultimately offered for sale in Florida.
Under Florida Statutes § 320.8225 , manufacturers must satisfy licensing requirements designed to protect the public against covered losses arising from:
- Failure to comply with applicable construction and code standards.
- Failure to provide required warranty service.
- Violations of applicable manufacturer licensing requirements.
Manufacturer bond requirements:
- Required bond amount: $50,000.
- License classification: MH — Mobile Home Manufacturer.
- Licensing authority: FLHSMV.
- Governing statute: Florida Statutes § 320.8225.
- Official bond form: HSMV 86050.
- Manufacturer licensing application: HSMV 84256.
- Published base premium: $750 annually for qualifying applicants.
Florida generally requires one $50,000 financial security instrument for each manufacturer, regardless of the number of factory locations. However, licensing may be required for each applicable factory location.
The manufacturer's license application also requires information concerning financial standing, warranty obligations, and service arrangements.
The $50,000 mobile home manufacturer bond differs from the surety bond requirements applicable to recreational vehicle manufacturers, distributors, and importers.
Apply for your FL Mobile Home Manufacturer License Surety Bond now!
4. Florida Manufactured/Mobile Home Installer Performance Bond — $5,000
Florida requires qualifying individuals installing, setting up, or weather-sealing manufactured or mobile homes to obtain a mobile home installer license.
A standard requirement for individual installer licensing is a $5,000 Manufactured/Mobile Home Installer Performance Bond .
The performance bond guarantees proper performance of covered installation and weather-sealing duties.
Florida mobile home installer licensing requirements:
- Be at least 18 years of age.
- Obtain and maintain a $5,000 performance bond, unless a qualifying dealer-installer arrangement permits use of the dealer bond.
- Maintain $100,000 in general liability insurance.
- Complete the required state-approved installation training.
- Pass the approved installer examination.
- Submit the FLHSMV installer license application and supporting documents.
- Comply with applicable manufactured/mobile home installation and setup standards.
Installer bond details:
- Required bond amount: $5,000.
- Licensing authority: FLHSMV, Manufactured Housing Section.
- Governing statute: Florida Statutes § 320.8249.
- Administrative rule: Florida Administrative Code 15C-2.0073.
- Installer license application: HSMV 81401.
- Official performance bond: HSMV 81402.
- Bond premium: Determined by underwriting quote.
Florida law requires installer training and examination. It specifies a statutory minimum of eight hours of approved training; applicants must complete the actual course required by FLHSMV.
Important distinction for licensed mobile home dealers:
A licensed mobile home dealer seeking to perform installation work must satisfy the applicable installer licensing requirements. FLHSMV guidance allows qualifying dealer-installers to use their existing dealer bond instead of obtaining a separate $5,000 installer performance bond.
A direct employee working under the supervision of a properly licensed installer may also be exempt from obtaining an individual installer license within the scope permitted by § 320.8249.
Installer performance bonds protect qualifying parties against covered losses resulting from improper installation or weather-sealing.
Apply for your FL Manufactured/Mobile Home Installer License Surety Bond now!
Official Florida installer resources:
- Florida Statutes § 320.8249
- Florida Administrative Code — Chapter 15C-2
- Mobile Home Installer License Application — HSMV 81401
- Mobile Home Installer Performance Bond — HSMV 81402
Florida Mobile Home License Bond Cost — How Much Is the Premium?
The cost of a Florida mobile home license surety bond depends on the required bond amount, license classification, and applicable underwriting requirements.
A1SuretyBonds.com's published base premiums are $375 annually for qualifying $25,000 dealer or broker bonds and $750 annually for qualifying $50,000 manufacturer bonds.
The $5,000 installer bond and $50,000 dealer/broker bond premiums are determined by quote.
These amounts represent the premium paid to obtain the bond, not the full penal amount guaranteed by the surety.
What Determines My Surety Bond Premium?
For underwritten bonds, the surety may evaluate:
- Credit history of the applicant or business principals.
- Relevant business and industry experience.
- Required bond amount.
- Previous bond claims or relevant underwriting history.
Applicants with credit challenges may still qualify, depending on the issuing surety's underwriting criteria.
A final premium is established through underwriting and approval. Submitting an application does not guarantee a particular rate or approval.
APPLY ONLINE FOR YOUR FLORIDA MOBILE HOME LICENSE BOND QUOTE
Florida Mobile Home License Bond Legal Authority and Obligee
The Florida Department of Highway Safety and Motor Vehicles regulates the licensing and financial security requirements for the four Florida mobile home industry license classifications.
The official bond forms designate the appropriate state authority as obligee.
| License categoryStatutory authorityRequired bond | ||
| Mobile Home Broker | F.S. § 320.77 | $25,000 or $50,000 |
| Mobile Home Dealer | F.S. § 320.77 | $25,000 or $50,000 |
| Mobile Home Manufacturer | F.S. § 320.8225 | $50,000 |
| Manufactured/Mobile Home Installer | F.S. § 320.8249 | $5,000 |
Applicants must use the appropriate bond form and satisfy all licensing requirements applicable to their classification.
How to Get Your Florida Mobile Home License Surety Bond
A1SuretyBonds.com offers a consolidated online application process for all four mobile home industry bond classifications.
Step 1 — Select Your License Bond Type
Choose one of the following classifications within the application:
- Florida Mobile Home Broker License Bond.
- Florida Mobile Home Dealer License Bond.
- Florida Mobile Home Manufacturer License Bond.
- Florida Manufactured/Mobile Home Installer Performance Bond.
Step 2 — Confirm Your Required Bond Amount
Identify the amount required for the selected license classification.
Dealers and brokers must account for any supplemental-license requirements that increase the applicable penal sum.
Step 3 — Complete the Online Application
Provide the required personal or business information through the online application.
Additional information may be requested depending on the bond and underwriting requirements.
Step 4 — Underwriting Review
A1SuretyBonds.com reviews the application and obtains an underwriting determination or premium quote when available.
Step 5 — Receive Your Approval or Quote by Email
Once the applicable underwriting review is complete, A1SuretyBonds.com emails the available approval or premium quote to the applicant.
Step 6 — Complete Payment and Indemnity Requirements
Approved applicants who elect to proceed complete the required acceptance, premium-payment, and indemnity steps.
Step 7 — Receive and File Your Issued Bond
After the issuance requirements have been satisfied, the surety bond can be issued.
The executed bond must be submitted to FLHSMV under the applicable licensing instructions.
Submitting an online application does not constitute an issued bond or guaranteed underwriting approval.
Florida Mobile Home License Bond Filing and Renewal Requirements
Florida requires licensees to maintain acceptable surety bonding or other permitted security throughout the applicable license period.
Mobile Home Dealer and Broker Bonds
Florida mobile home dealer and broker licensing periods generally begin October 1 and end September 30 for the applicable one-year or two-year license term.
The required bond or alternative security must remain in place for the license period.
Section 320.77 requires a licensee to provide the department with a copy of certain renewed, continued, changed, or newly issued financial security instruments within ten calendar days.
Mobile Home Manufacturer Bonds
Mobile home manufacturer licensing operates under § 320.8225 and allows qualifying one-year or two-year licenses.
Manufacturers must provide acceptable financial assurance annually, including an appropriate bond or continuation certificate.
The law requires submission of certain continued, renewed, changed, or newly issued financial security instruments within ten calendar days.
Manufactured/Mobile Home Installer Performance Bonds
Florida mobile home installer licensing is renewed annually.
The required $5,000 performance bond must remain in force throughout the applicable licensing period.
HSMV 81402 provides for annual continuation and specifies October 1 as the premium anniversary date.
Its cancellation provisions provide for a thirty-day notice period under the terms stated in the form.
Failure to maintain required bonding may affect a licensee's authority to continue the regulated activity.
Why Apply Through A1SuretyBonds.com?
A1SuretyBonds.com provides an online application process for businesses and individuals seeking Florida mobile home industry license surety bonds.
Our consolidated application approach allows applicants to identify the correct licensing classification without navigating separate bond applications for each license type.
Advantages of applying through A1SuretyBonds.com include:
- One online starting point for all four Florida mobile home license bond classifications.
- Selection of the correct licensing category.
- Application review and underwriting coordination.
- Approval or premium quote emailed when available.
- Guidance concerning the applicable surety bond form and issuance requirements.
A1SuretyBonds.com also assists businesses with other commercial licensing surety bond requirements throughout Florida and nationwide.
For related bonding requirements, visit our Commercial Surety Bonds page or explore our Florida Surety Bonds directory.
Frequently Asked Questions About Florida Mobile Home License Surety Bonds
What surety bonds are required for Florida mobile home businesses?
Florida requires qualifying mobile home brokers, dealers, manufacturers, and installers to maintain financial security appropriate to their license classification. Standard surety bond amounts range from $5,000 for installers to $50,000 for manufacturers and certain dealers or brokers.
How much is a Florida mobile home broker bond?
A Florida mobile home broker generally requires a $25,000 bond. The required amount increases to $50,000 when the applicable supplemental-license threshold is exceeded.
A1SuretyBonds.com publishes a $375 annual base premium for qualifying applicants seeking the $25,000 bond.
How much is a Florida mobile home dealer license bond?
Florida mobile home dealers generally require a $25,000 or $50,000 surety bond, depending on the number of supplemental licenses.
A1SuretyBonds.com publishes a $375 annual base premium for qualifying applicants seeking the $25,000 dealer bond.
What bond is required for a Florida mobile home manufacturer?
A Florida mobile home manufacturer generally requires a $50,000 surety bond or another acceptable form of financial security under § 320.8225.
Florida ordinarily requires one financial security instrument per manufacturer, even when the manufacturer operates multiple factory locations.
How much is the Florida mobile home installer bond?
The required Florida Manufactured/Mobile Home Installer Performance Bond is $5,000. The premium is determined through the applicable underwriting and quoting process.
Does a licensed Florida mobile home dealer need a separate installer bond?
Not necessarily. FLHSMV guidance permits qualifying licensed mobile home dealer-installers to use their dealer bond in place of a separate $5,000 installer performance bond.
The dealer must still comply with the applicable installer licensing requirements.
Do Florida mobile home installer license applicants need liability insurance?
Yes. Florida requires $100,000 in general liability insurance for individual mobile home installer licensing under Administrative Rule 15C-2.0073.
Liability insurance is separate from the required performance bond.
Can I apply for all four Florida mobile home license bond types online?
Yes. A1SuretyBonds.com's consolidated application process is intended to allow applicants to choose the specific license bond classification and submit an online application for underwriting review.
Is a credit check required for a Florida mobile home license bond?
Credit history may be considered in the surety's underwriting process. The exact information required depends on the selected bond, applicant qualifications, and issuing surety.
Will I need to sign an indemnity agreement?
An indemnity agreement is typically required for standard underwritten license surety bonds. The specific requirements depend on the selected bond and issuing surety.
Does applying online mean my bond is issued immediately?
No. The standard underwritten application process requires review and approval before a bond can be issued. A1SuretyBonds.com emails the applicant an underwriting decision or premium quote when available.
Where do I submit my Florida mobile home license surety bond?
The executed surety bond must be submitted to the Florida Department of Highway Safety and Motor Vehicles according to the requirements for the specific license.
Applicants should use the proper FLHSMV bond form and follow the department's applicable filing instructions.
Apply Online for Your Florida Mobile Home License Surety Bond
Whether you are applying for a Florida mobile home broker, dealer, manufacturer, or installer license, A1SuretyBonds.com offers a convenient way to begin the surety bond application process.
One Online Application — Four Florida Mobile Home License Bond Types
Choose your license classification, complete the application, and submit it for underwriting consideration.
APPLY ONLINE — FLORIDA MOBILE HOME LICENSE SURETY BONDS
Applications are subject to underwriting approval. Final premiums, indemnity requirements, and bond issuance are determined according to the applicable surety's requirements.