As of August 2026, Kin customers in Texas pay an average of $652 per year to insure a mobile home valued at $50,000 and $1,303 per year for one valued at $100,000.
Mobile home insurance — sometimes called an HO-7, MH-3, or MHO-3 policy — is designed specifically for manufactured and mobile homes. The cost of mobile home insurance in Texas can vary widely based on your home’s estimated replacement value, meaning what it would cost to rebuild after a total loss. This differs from the home’s market value, which is how much you could sell it for. The best way to find out exactly how much your mobile home will cost to insure is to get a personalized quote.
How much does mobile home insurance cost in Texas by home value?
A mobile home insurance policy is made up of several coverage types, each covering a different part of your property. Dwelling coverage is the part that pays to repair, rebuild, or replace your home's structure, based on its replacement value.
The amount of dwelling coverage you carry has one of the biggest effects on your policy cost (called your premium). The more dwelling coverage you need, the more you'll typically pay.
The table below shows how average premiums rise alongside dwelling coverage limits.
|
Dwelling coverage amount |
Average monthly premium |
Average annual premium |
|
$50,000 |
$54 |
$652 |
|
$75,000 |
$81 |
$977 |
|
$100,000 |
$109 |
$1,303 |
|
$150,000 |
$163 |
$1,955 |
Average premiums for Kin mobile home insurance customers as of August 2026.
What factors affect mobile home insurance costs in Texas?
The cost of Texas mobile home insurance can vary based on where you live, the age and size of your home, how it’s installed, and coverage type.
Location: Inland, tornado-prone, and coastal risk
North Texas sees significant hail and tornado exposure, while Gulf Coast communities face hurricane and windstorm risk. In coastal areas, some policies may exclude wind and hail damage, which can mean buying separate Texas windstorm insurance and paying more overall to make sure you’re adequately protected.
Home age and size
Older manufactured homes can be harder to insure, especially those built before June 15, 1976, when federal HUD construction and safety standards took effect. Larger double- and triple-wide homes may also cost more to insure because they generally have a higher replacement cost than single-wide homes.
Foundation and tie-downs
How your home was installed also matters. A permanent foundation and proper anchoring or tie-downs can reduce the risk of wind-related damage and may help with insurability or qualify you for savings, depending on your insurer.
Coverage type: Replacement cost vs. actual cash value
Depending on the policy, covered damage may be settled on replacement cost value (RCV) or actual cash value (ACV) basis. Replacement cost generally pays to repair or replace damaged property with comparable new materials, while actual cash value accounts for depreciation from age and wear and may result in a lower payout. The tradeoff is that ACV coverage typically costs less.
What doesn't a standard mobile home policy cover in Texas?
A standard mobile home policy may not cover every major weather risk Texas homeowners face. Some of the most significant coverage gaps to watch for are wind, hail, and flood damage.
Windstorm coverage in coastal wind-pool counties
If you live along the Texas coast, your mobile home policy may exclude wind and hail damage. Eligible homeowners in designated coastal areas may be able to get separate coverage through the Texas Windstorm Insurance Association (TWIA). To qualify, applicants generally must have been denied wind and hail coverage by at least one private insurer.
Flood damage
Standard mobile home policies usually don’t cover flood damage. To be covered for damage stemming from rising water, storm surge, or overflowing waterways, you will need Texas flood insurance. You may be able to add coverage to your mobile home policy through your current insurer via endorsement. Otherwise, you can purchase separate coverage from another private insurer or the National Flood Insurance Program.
Flood coverage can be especially important near the coast or in a designated flood zone, but flooding can happen outside those areas, too.
How can you lower your mobile home insurance cost in Texas?
There are several ways to potentially lower your home insurance premium without cutting important coverage.
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Consider a higher deductible. Your deductible is the amount you’re responsible for paying toward a covered claim. Choosing a higher deductible can lower your premium, but make sure you could comfortably pay that amount in the event of a loss.
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Ask about available discounts. Depending on the insurer, you may qualify for discounts for bundling multiple policies, installing security features, or taking other risk-reduction measures. An agent or customer service representative can walk you through which savings opportunities you might qualify for.
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Strengthen your home against wind damage. Proper tie-downs, a permanent foundation, and storm-resistant roofing may help reduce the risk of damage to your home — and could qualify you for savings, depending on the insurer.
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Shop your rate at renewal. Compare coverage and pricing periodically, especially if you’ve made upgrades to your home or your circumstances have changed.
Frequently asked questions
Is mobile home insurance worth the cost in Texas?
For many homeowners, it can be. Texas faces a range of weather risks, including hurricanes, tornadoes, and hail damage, and repairing or replacing your manufactured home after a major loss can be expensive. Going without coverage means taking on that financial risk yourself. Keep in mind, separate windstorm coverage and flood coverage may be necessary to round out a Texas mobile home insurance policy and ensure you have adequate financial protection from all the environmental risks of living in the Lone Star State.
Can you insure an older mobile home in Texas?
Yes, but coverage can be harder to find for older manufactured homes, especially those built before 1976, when federal HUD construction and safety standards took effect. Insurers may look closely at the home’s condition, including the roof, electrical and plumbing systems, foundation or anchoring, and any documented upgrades before offering coverage. Texas insurers can’t decline a home simply because of its age, but the home’s condition can affect whether coverage is available and how much it costs.
Is mobile home insurance required in Texas?
Texas law doesn’t require you to carry mobile home insurance. However, if you have a loan on your manufactured home, your lender will typically require coverage to protect its financial interest in the property. Some manufactured home communities may also require residents to carry insurance as part of their lease or community rules, so it’s worth checking your agreement.
How do you choose a mobile home insurance company in Texas?
When comparing the cost of mobile home insurance, Texas homeowners should look beyond price. A good insurer should offer the coverage you need at a price you can afford, with clear policy terms and dependable service.
When comparing companies, you may want to consider the following factors:
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Coverage options: Make sure the policy addresses the risks that matter for your home, including wind and hail if you live in a storm-prone area.
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Financial strength: Check independent financial strength ratings from agencies like Demotech and AM Best to see how well the insurer is positioned to pay claims.
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Customer service: Review complaint information, claims support, and how easy it is to reach the company when you need help.
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Policy details: Compare deductibles, exclusions, coverage limits, and whether the policy pays losses on a replacement cost or actual cash value basis.
