Palm Harbor

Palm Harbor Homes is Florida's premier manufactured home builder, serving both Florida and the entire southeastern United States. We are the nation's top-selling brand of manufactured homes, with over 600 floorplans and more than 130 company stores nationwide.

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Insuring Your Home

Standard Casualty Company has been protecting homeowners and their investment in factory built homes for over 40 years. We are rated "Excellent" by AM Best, an independent organization that rates insurance companies. As a factory-built home insurance specialist, we offer several comprehensive protection plans with multi-coverage endorsements for your home. Because we believe your peace of mind is priceless, our rates for protecting your home investment are affordable and competitive. Please note: Our coverage is currently available in Texas, Georgia and Arizona only.

Physical Damage Coverage
Our physical damage protection coverage protects your home against direct, sudden and accidental loss or damage. We offer physical damage protection coverage for damages caused by the following events:

  • Water damage from bursting pipes
  • Hail
  • Windstorms
  • Theft or attempted theft
  • Fire
  • Vandalism
  • Damage to tie down anchoring systems
  • Explosion
  • Lightning
  • Falling objects
  • Glass breakage
  • Earthquake
  • Flood

Liability Coverage
As a homeowner, you may be held legally responsible for accidents that happen to someone else on your property. If you choose our optional liability coverage, you will be protected from losses resulting from such personal liability claims. For example, if someone is injured on your property, you could be held responsible for doctor and hospital bills, loss of pay or damages for pain and suffering. This optional liability coverage will provide you protection from these claims as well as legal fees and other associated costs.

Coverage Includes Additional Coverage Available
• Additional living expenses • Personal effects
• Fire Department services & fees • Adjacent structures
• Emergency removal services • Replacement cost coverages
• Debris removal  
• Plants, trees, shrubs and lawns  
• Radio and TV antennas  

Compare Before You Buy

Coverage, Condition or Peril Our Mobilowners Policy Their HOA or HO2 Policy
Comprehensive / All Risk Coverage Yes No
Low Deductibles Yes No
Replacement Cost for Home and Contents Yes, optional Yes, optional
Flood Yes No
Earthquake Yes No
Home Change of Location Yes No
Multi-Year Policies Yes No
Meets Mortgage Company's Requirements Yes, all of the time No, only some of the time

Contact Us
For further information on the protection policy for your family and your factory-built home, contact us directly at:

Standard Casualty Company
P.O. Box 311806
New Braunfels, TX 78131-1806

Phone: (800) 522-0146 or (830) 629-6111
Main Fax Number: (830) 629-6348
To request more information

Claims Fax Number: (830) 629-3468
To report a claim