Top Texas Mobile Home Insurance Providers [2024]

With the second largest population in America and plenty of wide-open space, it might come as no surprise that Texas has the most mobile homes.

Unfortunately, there are many weather-related dangers for homes in Texas, which can be worse for manufactured homes. Tornadoes, hurricanes, wind, hail, and lightning can damage your mobile home. 

Though Texas doesn’t require homeowners insurance, the right coverage can keep your mobile home in excellent condition for years. However, a standard homeowners policy usually doesn’t cover mobile homes.

Instead, you’ll need mobile home insurance. Mobile home insurance typically covers what a standard homeowners policy does with extra considerations for the unique needs of manufactured houses.

If you need cheap mobile home insurance in Texas, the best way to find it is to shop around. Learn more about manufactured home insurance in Texas below, then compare prices with as many companies as possible to find the best rates.

How much is mobile home insurance in Texas?

Texas has more mobile homes than any other state, consisting of more than 130,000 units. With so many Texans living in manufactured homes, it’s crucial for them to get coverage that protects their home.

Manufactured home insurance is generally cheaper than a standard homeowners policy. Texans can expect to pay anywhere between $300 and $1,200 per year, though the exact price depends on your unique circumstances.

While every company has a unique formula for determining rates, the most common factors companies consider are:

• Your home’s location
• Your neighborhood’s crime rate
• Wildfire risks
• Extreme weather risks, including tornadoes, floods, and hurricanes
• Proximity to first responders, such as police or firefighters
• Your home’s condition, value, and age

Read more: Flood Zone X: Homeowners Insurance Explained

Your coverage amount, deductible, and additional coverage will also affect your insurance rates.

You can estimate how much you’ll pay for a manufactured home by size with these factors in mind. Consider the average rates below.

Average Monthly Mobile Home Insurance Rates by Size

Like all insurance types, you can usually find discounts to help you save money. You’ll need to check with an agent to see what’s available, but most companies offer discounts for:

• Installing security systems, such as alarms, safety lights, and other anti-theft devices
• Being a senior or retired
• Bundling your policy with other plans, such as car insurance
• Being the original homeowner

There are many other ways to save on your insurance. For example, insurance companies offer better rates for homes fortified against the elements. Installing storm shutters and reinforcing your roof are great ways to earn lower rates.

What is mobile home insurance?

Texas state law does not require manufactured homeowners to have insurance. However, you’ll probably need it if you have a mortgage or live in a community requiring it. Regardless, it’s always good to protect your home with insurance.

Mobile home policies offer similar coverage to standard homeowners insurance. Typically, a mobile home policy includes the following coverages:

• Dwelling. Dwelling protects your home from common dangers like lightning, vandalism, fire, and falling objects. You should have enough coverage to replace your home completely.
• Personal property. The physical structure of your property isn’t the only thing that makes your house a home. This part of your plan will cover furniture, appliances, clothes, and most other belongings.
• Liability. Liability covers legal fees if a guest gets injured on your property and sues you. It also helps pay for the injured party’s medical bills. Generally speaking, $500,000 is the recommended liability coverage amount for mobile homeowners.
• Loss of use. If your home becomes unlivable, this coverage helps pay for hotels, meals, gas for longer commutes, and laundry costs.

Texas is a big state, meaning there’s variation in what a mobile home policy covers. For example, the panhandle frequently experiences tornadoes, so your company might require you to buy additional weather protection if you live there.

Mobile homes on the coast could be ineligible for wind and hail coverage, especially with the increasing severity of hurricane season. If your insurance policy doesn’t cover wind and hail, you can always buy it through the Texas Windstorm Insurance Association.

What does mobile home insurance not cover?

Mobile home insurance has many of the same exclusions as a standard homeowners policy.

One of the most significant risks that a standard mobile home policy will not cover is flood damage. With less protection than a standard house, mobile and manufactured homes are particularly vulnerable to flood damage.

At least 12% of Texas is considered a floodplain, and hurricanes are getting stronger. In 2017, Hurricane Harvey caused catastrophic flooding in Texas, and experts anticipate that hurricane weather will intensify in the future.

Whether you live in a floodplain or not, there is always a risk of flooding. While your standard policy won’t cover flood damage, you can buy flood insurance for your home for about $50 a month.

Other risks not covered under a standard mobile home policy include:

• Repair or changes required by law
• War or military actions
• Earthquake, erosion, or landslide damage
• Nuclear hazards
• Rot, bacteria, or fungal damage
• Power failure
• Damage from a vehicle

You can buy add-ons to cover some of these risks, such as earthquake damage. Unfortunately, insurance companies won’t cover some risks. However, threats like military action or nuclear hazards are negligible in Texas.

What are the best mobile home insurance companies?

Most insurance companies offer manufactured home coverage. As with any insurance, you’ll find variations from company to company.

For example, some companies sell standard homeowners policies for mobile homes, and other companies sell policies explicitly for manufactured homes.

The best company for you depends on various factors, but you can rest assured that you’ll get the coverage you need if you shop diligently.

Countless home insurance companies operate in Texas. However, you can get an idea of what some of the top-rated mobile home insurance companies in Texas offer below.

State Farm Mobile Home Insurance

As one of the largest insurance providers in the country, State Farm sells various products covering just about anything you want to protect.

State Farm’s manufactured home insurance coverages include dwelling, personal property, liability, loss of use, additional living expense, and medical payments.

You’ll also get State Farm’s fair rental value if you rent your home, which helps pay for lost income.

Allstate Mobile Home Insurance

While Allstate’s mobile home insurance doesn’t cover as much as some of its competitors, it does offer several add-ons to make up for it.

A standard Allstate policy offers coverage for liability, dwelling, personal property, and medical expenses. Add-ons include identity theft, water backup, and special coverage for sports equipment or musical instruments. You can also buy coverage for any yard or garden equipment you own.

Progressive Mobile Home Insurance

Progressive offers affordable mobile home insurance for Texas residents. Although coverage isn’t as extensive as companies like State Farm, customers love Progressive’s easy-to-use mobile app.

Progressive’s mobile home insurance includes dwelling, property, liability, and loss of use coverage.

You can also add replacement cost and trip collision coverage to cover your home during transport. If you opt for trip collision coverage, it remains effective for 30 days.

USAA Mobile Home Insurance

Active or retired military members and their families will be pleased to know that USAA does insure manufactured homes. However, USAA doesn’t write the policy, as it partners with Foremost to provide specialized mobile home coverage.

USAA manufactured home insurance offers coverage for the dwelling, accidental loss protection, liability, additional living expenses, and personal belongings replacement. It also provides extra protection for credit card and check forgery, food spoilage, and debris removal.

You can add replacement cost coverage to your policy, boosting the amount USAA covers by 20% if you need to replace your home completely.

Finding Cheap Texas Mobile Home Insurance

You can find all the coverage you need to protect your property if you live in a manufactured home. There are plenty of options for your mobile home, from a primary plan covering your home’s structure to flood damage.

Now that you know where to look for cheap mobile home insurance in Texas, your next step should be comparing prices. Shop around for prices and plans to ensure you get the best coverage possible.