Affordable Texas Mobile Home Insurance

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. 

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.

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.