The home
The structure itself, on a replacement cost or actual cash value basis.
Personal Insurance
Mobile home and manufactured home cover.
Manufactured homes are rated on their own forms, and wind is the peril that drives both price and availability in North Texas.
Mobile and manufactured homes are insured under policies written specifically for them rather than standard homeowners forms. Construction, age, anchoring and whether the home is in a park or on owned land all affect what cover is available and at what price.
Wind, anchoring and settlement basis
Wind and hail are the dominant perils, and carriers pay close attention to tie-downs and anchoring. A properly anchored home is both safer and materially easier to insure.
Settlement basis matters as much as it does on a site-built roof. Replacement cost and actual cash value produce very different outcomes on an older manufactured home, and the difference is worth understanding before you buy rather than after a storm.
What it covers
The parts of a mobile home insurance policy
Contents
Belongings inside, with the usual sub-limits on higher-value items.
Liability
Injury to visitors and damage you are responsible for.
Attached structures
Decks, carports, skirting and awnings attached to the home.
Working with us
What we do differently
We are an independent agency, so we place your mobile home insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Confirm anchoring and tie-downs meet requirements — it affects availability
- Check whether the home settles at replacement cost or actual cash value
- Ask about transit cover if the home is being moved
Common questions
Mobile Home Insurance, answered
Can I insure a manufactured home on a standard homeowners policy?
No. Manufactured and mobile homes are written on their own forms, which account for the different construction and the wind exposure.
Does anchoring affect my premium?
Yes, considerably. Proper tie-downs and anchoring reduce wind damage risk and are something carriers ask about directly. Some will not write a home that does not meet their standard.
Is the home covered while being moved?
Not automatically. Transit is usually a separate arrangement, so tell us before the home is relocated rather than afterwards.
Related cover
Often arranged alongside this
Homeowners Insurance
Hail is the peril that defines property insurance in DFW. How your policy settles a roof claim matters more here than almost anywhere else in the country.
Read moreWindstorm Insurance
Wind and hail is usually included in a Texas property policy — but with its own deductible, and often its own roof settlement rules.
Read moreRenters Insurance
Your landlord insures the building. Nothing in that policy covers your belongings, or what you owe if a fire in your unit spreads.
Read moreReady for a mobile home insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.