Mobile and Manufactured Home Insurance in Texas
A manufactured home is a home, and for a lot of Texas families it is the smart way to own one. Insuring it works a little differently than a site built house, and the differences are exactly where a local agent earns their keep. We compare options from multiple companies and explain them plainly.
How mobile home policies differ
A standard homeowners policy is written for a site built house. Mobile and manufactured homes get their own policy forms, built around how these homes are made, moved, and repaired. The coverage jobs are familiar: the home itself, your belongings inside it, other structures like a shed or carport, and your liability if someone is hurt on the property.
What changes is how companies look at the home: its age, size, and condition, whether it sits on owned land or in a community, and how it is anchored. Those details decide which companies will quote it and what the policy should say.
The details that shape your options
Age and condition
Older homes have fewer markets, but fewer is not none. An independent agency exists for exactly this: we know which companies will look at which homes.
Tie downs and setup
How the home is anchored and skirted matters to companies writing in a state with real wind. Know your setup before the call if you can; if not, we work through it together.
Owned land or leased lot
A home on your own acreage and a home in a community can need different things from a policy, especially around other structures and liability.
Wind and water
Storm coverage details deserve attention in Texas, and flood damage is a separate policy entirely. If your home sits low, ask us about flood too. Flood insurance
What it would take to replace your home
The heart of any home policy is the amount it would rebuild or replace the home for. Policies handle this differently: some pay what it costs to replace the home, others pay its current value after depreciation. On a manufactured home the difference between those two numbers can be the whole ballgame, so we make sure you know which one your policy uses before you buy it, not after a storm.
What to have ready
Start with what you know. We can help find the rest.
- Year, make, and size of the home, and the serial number if handy
- Where it sits: owned land, family land, or a leased lot
- How it is anchored and skirted, if you know
- Your current policy, if you have one
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Mobile home insurance questions we hear
Is mobile home insurance different from homeowners insurance?
Yes. Manufactured homes get their own policy forms written for how these homes are built and repaired. The jobs are the same, covering the home, your belongings, and your liability, but the details differ.
My home is older. Can it still be insured?
Often, yes. Fewer companies quote older homes, which is exactly why comparing across companies matters. Tell us the year and condition and we will tell you honestly what the options look like.
Does the policy cover my stuff inside?
Policies include an amount for personal belongings. Whether that amount fits what you own is worth an actual look; a quick walk through the home with your phone camera is a good inventory.
Is flood damage covered?
No. Like standard home policies, mobile home policies generally exclude rising water. Flood coverage is its own policy, and if your home sits low or near water, ask us about it in the same call.
The home is on family land. Does that change anything?
It can, especially around who is named on the policy and how other structures and liability are handled. Tell us the ownership picture and we will set the policy up to match it.
What if I rent the home out?
A rented home needs landlord style coverage, not an owner occupied policy. Say so up front; the wrong policy type is the kind of problem you only discover at claim time.
Talk it through with a person
Tell us about the home and where it sits. A licensed agent compares the companies that fit and explains the differences before you decide anything.
Stover & Crouch Insurance Madisonville, Texas, since 1920