Your Guide to Texas-Specific Manufactured Home Insurance

Explore comprehensive insights on manufactured home insurance in Texas. Learn about coverage, costs, and tips for selecting the right policy.

The Essential Guide to Manufactured Home Insurance in Texas

Manufactured home insurance in Texas is essential for protecting your investment against risks like windstorms, fires, and theft. Whether you’re new to owning a manufactured home or just looking to update your coverage, understanding the unique insurance needs can save you time, money, and stress. Here’s a quick overview of what you need to know:

Key Points to Know:
Coverage: Includes dwelling, personal property, and liability.
Cost Factors: Location, age, and value of your home.
Additional Needs: Consider flood and windstorm insurance.

Manufactured homes, also known as mobile homes, require specialized insurance due to their distinct construction and exposure to risks. Unlike traditional homes, they have unique vulnerabilities that need extra attention, especially in a state like Texas where severe weather is common.

My name is John Crist, founder of Prestizia Insurance. With over 25 years of experience, I’m here to guide you through the complexities of manufactured home insurance in Texas and ensure you have the right coverage to protect your valuable asset.

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Understanding Manufactured Home Insurance in Texas

What Does Manufactured Home Insurance Cover?

Manufactured home insurance in Texas offers comprehensive protection tailored to the unique needs of these homes. Here’s a breakdown of the key coverages:

Dwelling Coverage: This covers the physical structure of your home, including walls, roof, and built-in appliances. For example, if a windstorm damages your roof, dwelling coverage helps pay for repairs.

Personal Property Coverage: This protects your belongings inside the home, such as furniture, clothing, and electronics. If your TV gets stolen or your laptop is damaged in a storm, this coverage helps replace these items.

Liability Coverage: This helps with medical and legal costs if someone gets injured on your property or if you accidentally cause damage to someone else’s property. For instance, if a guest trips over a rug and sprains their ankle, liability coverage can help pay their medical bills and any legal fees if they sue.

Additional Living Expenses (ALE): If your home becomes uninhabitable due to a covered peril, ALE covers the extra costs of living elsewhere, such as hotel stays and meals. For example, if a fire makes your home unlivable, this coverage can pay for your temporary living expenses.

Why is Manufactured Home Insurance Pricier in Texas?

Texas presents unique challenges for manufactured homes, leading to higher insurance costs. Here’s why:

Weather Risks: Texas is known for its severe weather, including hurricanes, tornadoes, and hailstorms. These weather events can cause significant damage to manufactured homes. For example, a hurricane can lead to extensive wind and water damage, increasing the risk for insurers and, consequently, the insurance premiums.

Construction: Manufactured homes, while built to strict HUD standards, are often more vulnerable to damage compared to site-built homes. Their lighter construction makes them more susceptible to wind and fire damage. This inherent risk is factored into the cost of insurance.

Mobility: Unlike traditional homes, manufactured homes are designed to be movable. Though most stay in one place, the potential for damage during transport adds another layer of risk. Some policies even include coverage for damages incurred during a move, which can increase premiums.

Understanding these factors and the various coverages available can help you make an informed decision about your manufactured home insurance in Texas. Next, we’ll dive into the key factors that influence insurance costs, helping you navigate the landscape of finding the best policy for your needs.

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Key Factors Influencing Insurance Costs

How Much Does Manufactured Home Insurance Cost in Texas?

When it comes to manufactured home insurance in Texas, several factors impact the cost of your policy. Understanding these can help you find the right balance of coverage and affordability.


Your home’s location is a major factor. Areas prone to extreme weather, such as hurricanes or hail, often have higher insurance premiums. For example, homes on the Gulf Coast may face higher rates due to the risk of hurricanes. High-crime areas also see increased premiums.

Home Value

The value of your manufactured home affects your insurance costs. Higher-value homes need more coverage, leading to higher premiums. For instance, a double-wide home on owned land will cost more to insure than a single-wide in a mobile home park.

Home Age

Older homes can be more expensive to insure. They may not meet modern safety standards and are more likely to need repairs. Conversely, newer homes often qualify for lower rates due to better construction and materials.

Liability Coverage

Liability coverage protects you if someone is injured on your property. The more coverage you choose, the higher your premium will be. It’s crucial to balance adequate coverage with cost, especially if you have frequent visitors.

Personal Property Cover

Personal property coverage, or “contents coverage,” compensates you if your belongings are stolen, lost, or damaged. The higher the value of your possessions, the more coverage you need, which increases your premium. Creating an itemized list of your belongings can help determine the right amount of coverage.

Cost Range and Average Premiums

In Texas, the cost of manufactured home insurance generally ranges from $250 to $1,300 per year. Factors like location, home value, and coverage choices influence this range. On average, you can expect to pay between $300 and $1,000 annually. According to, this range can vary, especially in areas with higher risks.

Understanding these factors can help you navigate the landscape of finding the best policy for your needs. Next, we’ll explore how to choose the right coverage for your manufactured home.

Choosing the Right Coverage for Your Manufactured Home

Selecting the right coverage for your manufactured home insurance in Texas can feel overwhelming, but it doesn’t have to be. Let’s break it down into simple steps.

Should I Opt for Replacement Cost or Actual Cash Value?

Actual Cash Value (ACV) and Replacement Cost are two main types of coverage you can choose from. Understanding the differences can help you make the best decision for your situation.

Actual Cash Value (ACV)

  • What it is: ACV coverage pays the depreciated value of your home or belongings at the time of loss.
  • Example: If your five-year-old manufactured home, originally bought for $50,000, is now valued at $35,000, ACV will pay $35,000 minus depreciation.
  • Cost: Generally cheaper but offers less payout.

Replacement Cost

  • What it is: Replacement cost coverage pays the amount needed to replace your home or belongings with new ones.
  • Example: If a new, similar manufactured home costs $60,000, replacement cost coverage will pay that amount.
  • Cost: More expensive but provides better protection.

Benefits and Drawbacks

  • ACV Benefits: Lower premiums, more affordable option.
  • ACV Drawbacks: Lower payouts, might not cover full replacement costs.
  • Replacement Cost Benefits: Higher payouts, better protection against loss.
  • Replacement Cost Drawbacks: Higher premiums, more expensive upfront.

Additional Coverages to Consider

In Texas, additional coverages can be crucial, especially given the state’s weather risks.

Flood Insurance

  • Why it’s important: Standard policies typically don’t cover flood damage.
  • Consideration: Even if you’re not in a high-risk flood zone, floods can happen anywhere.
  • Action: Consider adding a separate flood insurance policy.

Windstorm Insurance

  • Why it’s important: Texas is prone to hurricanes and strong windstorms.
  • Consideration: Standard policies may not cover windstorm damage.
  • Action: Look into a separate windstorm policy, especially if you live on the Gulf Coast.

Earthquake Insurance

  • Why it’s important: Earthquakes, though less common, can still occur.
  • Consideration: Standard policies don’t cover earthquake damage.
  • Action: Evaluate the risk and consider adding earthquake coverage if necessary.

By understanding these options and their benefits or drawbacks, you can make an informed choice for your manufactured home insurance in Texas. Next, we’ll answer some frequently asked questions to help you further.

Frequently Asked Questions about Manufactured Home Insurance in Texas

Is Manufactured Home Insurance Mandatory in Texas?

No, manufactured home insurance in Texas is not required by law. However, most mortgage lenders will require you to have it. This protects their investment in case something happens to your home.

Additionally, some mobile home communities might have their own rules requiring insurance. It’s always a good idea to check both with your lender and your community.

How Can I Reduce My Manufactured Home Insurance Premiums?

Here are some tips to lower your insurance costs:

  • Shop Around: Get quotes from multiple insurance providers to find the best rate.
  • Increase Your Deductible: A higher deductible means a lower premium. Just be sure you can afford the out-of-pocket cost if you need to make a claim.
  • Bundle Policies: Many insurers offer discounts if you bundle your home insurance with other policies, like auto insurance.
  • Safety Features: Installing smoke detectors, security systems, and storm shutters can reduce your premium.
  • Ask About Discounts: Some insurers offer discounts for things like being a non-smoker, having a good credit score, or being a senior citizen.

What Should I Do If I Can’t Find Coverage?

If you’re having trouble finding coverage, don’t worry. You have options:

  • Texas FAIR Plan: If two insurance companies have turned you down, you might qualify for the Texas FAIR Plan. This plan offers basic coverage for those who can’t get it elsewhere. You can contact them at 800-979-6440 for more information.

  • Independent Agents: Use an independent insurance agent who can shop around for you. They often have access to multiple insurance providers and can help you find a policy that fits your needs.

By understanding your options and taking proactive steps, you can ensure your manufactured home is well-protected without breaking the bank.


At Prestizia Insurance, we understand that navigating the complexities of manufactured home insurance in Texas can be daunting. That’s why we’re here to help you every step of the way.

Personalized Advice

Every homeowner’s needs are unique, and we believe your insurance policy should reflect that. We take the time to understand your specific circumstances, whether it’s the location of your home, its unique features, or your financial situation. This personalized approach ensures that you get coverage that fits your needs perfectly.

Competitive Deals

We leverage our extensive network and deep knowledge of the insurance industry to find you the most competitive rates. This way, you don’t have to compromise on coverage quality to save on premiums. Our goal is to provide you with the best possible protection at the most affordable price.

Expert Guidance

Navigating insurance can be confusing, but you don’t have to do it alone. Our team of experts is always available to answer your questions and provide you with the information you need to make informed decisions. From understanding the differences between actual cash value and replacement cost to exploring additional coverages like flood or windstorm insurance, we’re here to guide you.

Ready to protect your manufactured home with a policy tailored just for you? Get a quote today and see how much you can save with Prestizia Insurance.

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