Mobile home insurance in Texas
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What does mobile home insurance cover in Texas?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
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From small claims to disasters, we're here to help you recover quickly.
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Common questions about Texas mobile home insurance
Is mobile home insurance required in Texas?
No, mobile home insurance isn’t required by law in any state, including Texas. That said, there’s a good chance your lender will require it before you can buy a home, or that your landlord will require it if your mobile home is in a mobile home community or park.
If you outright own your home, and place it on private property, no one will require you to have mobile home insurance — but the extreme weather in Louisiana makes getting coverage a smart investment anyway.
What factors affect mobile home insurance rates in Texas?
Like other Gulf Coast states, Texas’s mobile home insurance rates are influenced by annual hurricane risks, as well as tornadoes and wildfires. Your own insurance rates will depend on where you live in the state, the age of your home, your home’s characteristics, and other factors.
What type of mobile home insurance coverages are recommended in Texas?
Though it’s sometimes referred to as hurricane insurance, Texas homeowners should check to ensure their mobile home insurance policies include coverage for wind damage caused by hurricanes. The policies we offer in Texas come with wind damage coverage automatically.
Is mobile home insurance different from homeowners insurance?
Here’s what makes mobile home insurance and traditional home insurance similar: they both cover your structure, your personal belongings, and your personal liability. They’re also both usually “open perils” coverage for your dwelling, which means they cover any loss unless it's caused by something that’s specifically listed as being excluded from the policy.
But here’s what makes them different: Insurers have found that manufactured homes represent a different risk than traditionally built homes. As a result, mobile home insurance can be more expensive than traditional home insurance.
In Texas, our policies can be written either as replacement cost or actual cash value. ACV policies are less expensive, but replacement cost coverage usually means you can replace your property with items that are of the same value, which can make recovery quicker.
Note: Modular homes are another type of home altogether. They’re usually built to the same standards as traditional homes, so they’re often insured with an HO-3 home insurance policy.
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