Comprehensive Guide to Mobile Home Insurance Costs in Texas

Discover the average cost of mobile home insurance in Texas and learn how to save. Get expert advice on coverage options and discounts today.

Understanding the Real Cost of Mobile Home Insurance in Texas

When considering mobile home insurance in Texas, it’s crucial to understand the average cost of mobile home insurance in Texas. This figure is more than just a number—it’s a reflection of the protection and peace of mind your policy will provide.

Quick Answer: The average cost of mobile home insurance in Texas tends to be higher than regular homeowners insurance due to the increased risk of extreme weather and other factors. On average, expect to pay between $1,500 to $1,800 per year, though exact costs can vary widely based on specifics like location and home age.

Keep reading for a deeper dive into what affects these costs and find ways to save on your premiums.

My name is John Crist. With over 25 years in the insurance industry, I have extensive experience helping Texans find the best and most affordable mobile home insurance coverage.

Cost Comparisons for Mobile Home Insurance - average cost of mobile home insurance in texas infographic infographic-line-5-steps

Understanding Mobile Home Insurance in Texas

Mobile home insurance is a specialized type of homeowners insurance designed to cover the unique needs of mobile and manufactured homes. Unlike traditional homes, mobile homes face different risks and require tailored coverage. Here’s a clear breakdown of what mobile home insurance in Texas entails:


Mobile Home Insurance: This is a policy specifically for mobile or manufactured homes. It provides coverage for the home itself, personal belongings, and liability protection.

Manufactured Home: A home built in a factory and transported to its final location. It differs from a traditional home, which is built on-site.

HO-7 Policy: This is the standard insurance policy for mobile homes, similar to the HO-3 policy for traditional homes but tailored for the unique aspects of mobile homes.


Construction and Mobility: Mobile homes are built in factories and can be moved, whereas traditional homes are built on-site. This makes mobile homes more vulnerable to certain risks like transportation damage.

Coverage Needs: Mobile homes often require additional coverage for risks like transportation and wind damage, which are less common for traditional homes.

Cost and Risk: Mobile home insurance can be more expensive than traditional homeowners insurance due to higher risks associated with extreme weather and mobility.


Not Legally Required: In Texas, mobile home insurance is not legally required. However, it is highly recommended for financial protection.

Lender Requirements: If you have a mortgage on your mobile home, your lender will likely require you to have insurance to protect their investment.

Community Rules: Many mobile home parks require residents to have insurance. This helps ensure that all homes in the park are protected against potential damages that could affect the entire community.

Key Points to Consider

Coverage Types: A typical mobile home insurance policy includes coverage for the dwelling, personal property, liability, and additional living expenses.

Extra Coverage Options: Consider additional coverages like replacement cost coverage, flood insurance, and trip collision coverage to ensure comprehensive protection.

Discounts: Look for discounts to save on premiums. Common discounts include bundling policies, installing security features, and being claims-free for a certain period.

Cost Factors: The cost of mobile home insurance in Texas varies based on factors like geographic location, home value, age, and chosen deductible.

Real-Life Example

Imagine you own a mobile home in a coastal area of Texas. Due to the risk of hurricanes, your insurance premium might be higher. However, by installing wind-resistant features and bundling your mobile home insurance with your auto insurance, you could qualify for significant discounts.

Keep reading to learn more about the average cost of mobile home insurance in Texas and how you can find the best policy for your needs.

Average Cost of Mobile Home Insurance in Texas

Factors Influencing Costs

The average cost of mobile home insurance in Texas ranges from $300 to $1,500 annually. Various factors influence this cost, making it important to understand what might impact your premiums.

1. Geographic Area

Your home’s location significantly affects your insurance rates. Homes in coastal areas prone to hurricanes or regions with high crime rates often have higher premiums. For example, a mobile home in Galveston might cost more to insure than one in a less risky inland area.

2. Home Value and Age

The value and age of your mobile home also play a role. Newer homes generally have lower premiums because they are less likely to need repairs. Conversely, older homes may require higher premiums due to increased risk of damage.

3. Liability Coverage

Liability coverage protects you if someone gets injured on your property. The more liability coverage you choose, the higher your premiums will be. For instance, opting for $300,000 in liability coverage will cost more than $100,000.

4. Personal Property Coverage

This covers your belongings inside the home. Most insurers set the personal property limit at 50% of your dwelling limit, but you can increase this if needed. The value of your possessions will affect your premiums.

5. Deductible Choices

Choosing a higher deductible can lower your premiums but means more out-of-pocket expenses when you file a claim. A lower deductible increases your premiums but reduces your out-of-pocket costs during a claim.

Cost Comparison with Other States

How does Texas compare to other states?

Texas vs. National Average

The national average cost of homeowners insurance is around $1,754 per year. However, Texas residents often pay lower-than-average rates for mobile home insurance, thanks to various factors like lower land costs and competitive insurance markets.

Regional Variations

Within Texas, insurance costs can vary. For example, homes in urban areas like Houston or Dallas may have higher premiums than those in rural areas due to higher risks of theft and weather-related damages.


Recent trends show that the popularity of mobile homes is rising, especially as housing prices increase. This has led to more competitive insurance rates as companies vie for business.

Next, we’ll delve into the key coverage options for mobile home insurance to help you understand what each type covers and why it’s essential.

Key Coverage Options for Mobile Home Insurance

Dwelling Coverage

Dwelling coverage is the backbone of your mobile home insurance policy. It protects the physical structure of your home, including the walls, roof, and built-in appliances like your water heater or furnace. This coverage ensures that if your mobile home is damaged by covered events such as fire, lightning, or vandalism, the insurance will pay for repairs or even a complete rebuild if necessary.

Example: Imagine a fire breaks out in your kitchen, causing significant damage. Dwelling coverage will help pay for the repairs or rebuilding costs, ensuring you can restore your home to its previous condition.

Pro Tip: Opt for replacement cost coverage instead of actual cash value to avoid out-of-pocket expenses for depreciation. This means the insurance will cover the cost of a new, similar home rather than the depreciated value of your current one.

Personal Property Coverage

Personal property coverage protects your belongings inside the mobile home. This includes furniture, clothing, electronics, and other personal items. If these items are damaged or stolen, this coverage helps you replace them.

Example: If someone breaks in and steals your TV or your laptop gets damaged in a storm, this coverage helps you replace these items.

Quick Fact: This coverage often extends to personal property even when it’s outside your home, like if your laptop is stolen while you’re on vacation.

Important Note: Mobile home insurers typically cap the amount of coverage they provide for high-value items like jewelry at about $1,500. If you have valuable items, consider adding a scheduled personal property endorsement to your policy for extra protection.

Liability and Medical Payments Coverage

Liability coverage is crucial for protecting your financial assets. It helps pay for medical and legal costs if someone gets injured on your property or if you accidentally cause damage to someone else’s property.

Example: If a visitor trips over a rug and sprains their ankle, liability coverage can help pay for their medical bills and any legal fees if they decide to sue.

It’s generally best to choose a liability limit that matches your net worth or at least $100,000. This ensures you have adequate protection against potential lawsuits.

Guest Medical Expense Coverage: This coverage pays for the medical treatment of a guest who gets injured while visiting your home, regardless of fault. The default limits available in a typical mobile home insurance policy are usually enough.

Additional Living Expenses

Additional living expenses (ALE) coverage is a lifeline if your mobile home becomes uninhabitable due to a covered peril. This coverage helps pay for the costs associated with relocating or staying elsewhere while your mobile home is being repaired.

Example: If a storm makes your home unlivable, ALE can cover hotel stays, meals, and other living expenses until you can move back in.

At minimum, your loss of use limit should be enough to cover six months’ rent in your area. This helps you maintain your standard of living even when your home is under repair.

Next, we’ll explore the various discounts and savings opportunities available for mobile home insurance in Texas to help you get the best value for your coverage.

Discounts and Savings on Mobile Home Insurance in Texas

Common Discounts Available

When it comes to saving on mobile home insurance in Texas, understanding the available discounts can make a huge difference. Here are some of the most common discounts you can take advantage of:

Bundling Policies

One of the easiest ways to save is by bundling your mobile home insurance with other types of insurance, such as auto or life insurance. Many insurers offer significant discounts if you have multiple policies with them. This is not only convenient but also cost-effective.

Security Features

Homes equipped with security features like storm windows, smoke detectors, and alarm systems are less risky to insure. If your mobile home has these features, you might qualify for a discount. Given Texas’s extreme weather conditions, wind-resistant features can be particularly beneficial.

Original Owner

If you’re the original owner of your mobile home, some insurance companies may offer you a discount. This is because original owners are often more familiar with the home’s maintenance history, which can reduce the likelihood of claims.

Retiree Discounts

Being at least 50 years old or retired can qualify you for additional savings. Insurers often consider retirees to be lower-risk customers because they spend more time at home, which can deter theft and allow for quicker response to potential issues like leaks or fires.

No Claims History

If you’ve been claims-free for several years, you could be eligible for a discount. This shows insurers that you are a lower risk, making them more likely to offer you a better rate.

Paperless Policies

Opting for a paperless policy can save you money. By receiving your bills and policy documents electronically, you reduce administrative costs for the insurer, which they often pass on to you as savings.


Paying your premium annually instead of monthly or bimonthly can also earn you a discount. This reduces the administrative burden on the insurance company and often results in a lower overall cost for you.

Age of Home

Newer mobile homes are often eligible for discounts. They are less likely to need repairs and are more likely to meet current safety standards, making them less risky to insure.

Savings on Mobile Home Insurance - average cost of mobile home insurance in texas

Maximizing Savings

To maximize your savings, it’s crucial to ask your insurance provider about all available discounts. Combining multiple discounts can lead to significant savings. For example, bundling your policies while also qualifying for a no-claims discount and security features discount can result in a substantial reduction in your premium.


Most discounts have specific eligibility criteria. For instance, to qualify for a no-claims discount, you typically need to be claims-free for three to five years. Always check with your insurance provider to understand the requirements and ensure you meet them.

Next, we’ll discuss how to choose the right mobile home insurance provider to ensure you get the most comprehensive coverage at the best price.

How to Choose the Right Mobile Home Insurance Provider

Importance of Non-Committal Consultations

Choosing the right mobile home insurance provider is crucial. You want to ensure your home is well-protected without breaking the bank. Here’s how to make an informed decision:


Start by assessing your needs. Consider factors like the age and value of your mobile home, your location, and your budget. Understanding your unique requirements will help you narrow down your options.


Next, compare different insurance providers. Don’t just look at the price. Compare coverage options, deductibles, and customer reviews. For instance, some providers may offer replacement cost coverage while others might only offer actual cash value.

Tip: Use online tools to get multiple quotes quickly. This can give you a better idea of the average cost of mobile home insurance in Texas.


Once you have a shortlist, schedule non-committal consultations with each provider. This is your chance to ask questions and get personalized advice. A good insurance agent will help you understand the coverage options and suggest the best policy for your needs.

At Prestizia Insurance, we offer personalized consultations to help you find the most comprehensive coverage at competitive rates. Our experts can guide you through the process, ensuring you understand every detail of your policy.

Quote: “It’s all about balancing your immediate budget with your potential future costs,” says John Crist, our resident expert at Prestizia Insurance.

Personalized Advice

During your consultation, pay attention to the advice given. A good provider will offer personalized recommendations based on your specific situation. They should also explain how different factors, like your home’s location and age, affect your premium.

Competitive Deals

Finally, look for competitive deals. Bundling your mobile home insurance with other policies, like auto or life insurance, can often save you money. Also, ask about any discounts you might qualify for, such as those for being claims-free or having security features.

Remember: The cheapest policy isn’t always the best. Make sure you’re getting adequate coverage for your needs.

Next, we’ll explore the key coverage options for mobile home insurance to help you understand what each type of coverage entails and why it’s essential.



In this guide, we explored the intricacies of mobile home insurance in Texas. We discussed the importance of adequate coverage and the factors influencing the average cost of mobile home insurance in Texas. We also highlighted key coverage options, such as dwelling, personal property, and liability coverage. Additionally, we looked at common discounts and strategies to lower your insurance costs.

Next Steps

Now that you have a deeper understanding of mobile home insurance, it’s time to take action. Start by evaluating your current coverage and identifying any gaps. Consider the unique needs of your mobile home and the specific risks associated with living in Texas.

Next, gather multiple quotes from reputable insurance providers. Compare the coverage options, discounts, and premiums offered by each. The cheapest policy isn’t always the best. Ensure that the policy you choose provides comprehensive protection for your home and belongings.

Contact Prestizia Insurance for Personalized Advice

If you’re feeling overwhelmed or unsure about which policy to choose, don’t worry. Our team at Prestizia Insurance is here to help. We offer personalized consultations to guide you through the process and find the best coverage for your mobile home.

Get in touch with us today for expert advice and competitive deals. Let us help you protect your mobile home and provide you with peace of mind.

Contact Prestizia Insurance for personalized advice

By following these steps and leveraging our expertise, you’ll be well on your way to securing the right mobile home insurance for your needs.

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