Affordable Texas Mobile Home Insurance
With affordable Texas mobile home insurance, you can protect your assets and pay for repairs when needed. Our guide goes over the risk factors, state law, and Texas mobile home insurance policies.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 7, 2023
It’s all about you. We want to help you make the right coverage choices.
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Mobile homes are prone to damage and theft, so your mobile homeowners insurance rates may cost a little more than the average in Texas
- Texas state law does not require mobile home insurance, but some mobile home communities may require you to purchase it
- Mobile homeowners insurance policies in Texas usually include dwelling coverage, personal property coverage, and liability coverage
There are several types of affordable insurance for a Texas mobile home, also called a manufactured home because it’s built at a factory and then transported to a different site. Since these dwellings are more vulnerable to theft or damage, you may need to pay more than you would for the average home insurance cost in Texas.
Read on to find more information about insurance requirements for mobile homes, mobile home insurance options, and companies that provide insurance for Texas mobile homes. If you’re in the market for auto insurance, consider browsing quotes from multiple providers today with our comparison tool today.
Companies That Provide Affordable Texas Mobile Home Insurance
Every insurance company uses slightly different calculations to determine your mobile home insurance rates. Some of the best homeowners insurance in Texas for mobile homes comes from the following companies:
- Allstate
- Assurant
- Foremost
- Liberty Mutual
- State Farm
- USAA
Comparing Texas mobile home insurance quotes from multiple companies can help you find a policy with affordable rates and the features you want.
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What are the requirements for insuring a mobile home in Texas?
Mobile home insurance isn’t required in most circumstances, but it’s a good idea. Without adequate insurance, you may not be able to afford repairs after severe weather, a fire, or other types of damage. Some mobile home communities require residents to have insurance. In addition, many mortgages and other types of loans require mobile home insurance when you use your mobile home as collateral.
Most mobile homes aren’t actually portable, and they’re legally closer to houses than vehicles. However, after manufacturing, mobile homes need the minimum amount of car insurance required in the state.
In Texas, people must have $30,000 in liability coverage per person for injuries and a $60,000 limit per accident. They must also have $25,000 in liability coverage for property damage. The manufacturer often purchases temporary car insurance to cover the trip from the factory to the location where you want to place your mobile home.
When the home is no longer mobile, and it rests on a foundation instead of wheels, vehicle insurance isn’t required anymore. This means that most of the time, individuals who want to buy a mobile home won’t need to purchase vehicle insurance. However, if a police officer pulls you over on a public road and you don’t have proof of insurance coverage, you could get a ticket.
Options for Insuring a Manufactured Home in Texas
Investing in manufactured home insurance can help protect your assets if you ever sustain damage or your personal property is stolen. Mobile homes are often less structurally sound than many traditionally built houses. They have less solid foundations, and they’re more vulnerable to weather damage.
To determine what protection you need for your mobile home, think about the replacement cost of the dwelling and potential repair costs. More expensive mobile homes usually cost more to insure. There are different factors for the cost of insurance for older mobile homes as well. Adding personal property protection will help you replace your possessions after damage. Most mobile home policies also include liability protection. This coverage protects you from legal action if someone gets injured or experiences property damage at your home.
Wind and Hail Protection for Mobile Homes
Manufactured home insurers usually cover wind and hail damage, but that could be excluded if you live near the coast. Homes in this area can be susceptible to wind, hail, and flood damage. You can purchase federally backed flood insurance through the National Flood Insurance Program, or you can choose a private insurer.
Wind and hail coverage is available through private insurers or the Texas Windstorm Insurance Association (TWIA). The TWIA started in 1971, and it provides wind and hail insurance to people who can’t qualify for private coverage. These programs only cover wind, hail, and flood damage, meaning you’ll also need a mobile home insurance policy that covers other types of damage. To understand more about car insurance policies, consider our article here.
Case Studies: Affordable Texas Mobile Home Insurance
Case Study 1: Comprehensive Coverage
John recently purchased a mobile home in Texas and wanted to ensure that his investment was protected. He compared quotes from multiple insurance companies and found an affordable policy that offered comprehensive coverage for his mobile home.
The policy included coverage for the dwelling, personal property, liability protection, and additional living expenses. By taking the time to research and compare options, John was able to find affordable mobile home insurance that provided him with peace of mind.
Case Study 2: Wind and Hail Protection
Sarah lived in a coastal area of Texas where mobile homes are vulnerable to wind and hail damage. She wanted to make sure her mobile home was adequately protected, so she sought out insurance options that included wind and hail coverage.
After comparing quotes from private insurers and the Texas Windstorm Insurance Association (TWIA), Sarah found a policy that provided the necessary protection for her mobile home. By understanding the specific risks in her area and exploring different insurance options, Sarah secured affordable coverage that addressed her unique needs.
Case Study 3: Liability Coverage and Legal Requirements
Mark recently purchased a mobile home and wanted to ensure he met the legal requirements for insurance coverage in Texas. While vehicle insurance was not required for his permanently placed mobile home, liability coverage was necessary.
Mark obtained a policy that met the minimum liability coverage limits set by the state. This protected him from potential legal issues and provided financial security in case of injuries or property damage. By understanding the legal requirements and obtaining the necessary coverage, Mark fulfilled his obligations as a mobile home owner in Texas.
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The Bottom Line on Affordable Texas Mobile Home Insurance
Mobile home insurance isn’t mandatory for most people. Still, it’s a good investment for anyone who might have trouble buying a new mobile home after damage from a natural disaster, theft, vandalism, pests, or other hazards. Older mobile home insurance is also worth considering if you’re particularly attached to a mobile home that isn’t new. In Texas, there are several types of affordable insurance available for mobile or manufactured homes. Be sure to research insurance on a mobile home so that you can effectively compare quotes and find the best one.
Enter your ZIP code into our free quote tool below to begin comparing car insurance rates from different companies near you today.
Frequently Asked Questions
What is mobile home insurance?
Mobile home insurance, also known as manufactured home insurance, is a type of insurance coverage that protects mobile or manufactured homes from various risks such as damage, theft, vandalism, and liability.
Is mobile home insurance required in Texas?
Mobile home insurance is not legally required in most circumstances in Texas. However, some mobile home communities and lenders may require insurance coverage. Additionally, having insurance is a wise investment to protect your home and belongings.
What are the insurance requirements for insuring a mobile home in Texas?
Texas treats mobile homes as dwellings rather than vehicles. While vehicle insurance is required during transportation, once a mobile home is permanently placed on a foundation, vehicle insurance is no longer required. However, liability coverage is still necessary. Texas requires a minimum of $30,000 in liability coverage per person for injuries, $60,000 per accident, and $25,000 in liability coverage for property damage.
What does mobile home insurance typically cover?
Mobile home insurance typically covers the dwelling itself, personal property, liability protection, and additional living expenses in case you need to temporarily live elsewhere due to covered damages. Coverage can also include protection against perils such as fire, theft, vandalism, and weather-related damage.
How can I find affordable mobile home insurance in Texas?
To find affordable mobile home insurance in Texas, it’s recommended to compare quotes from multiple insurance companies. Each company uses different calculations to determine rates, so comparing options can help you find a policy with affordable rates and the coverage features you need.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.