Mobile Home Insurance
Coverage Built for Your Space
Manufactured and mobile homes need specialized protection—whether they’re in a park, on rural land, or part of a larger property. We offer insurance designed specifically for mobile homes in West Texas, covering the structure, contents, and risks that come with this unique type of housing.
What Your Mobile Home Insurance Can Include
Dwelling Coverage
Pays to repair or rebuild your mobile home if it’s damaged by wind, fire, hail, or other covered events.
Personal Property Coverage
Covers furniture, appliances, electronics, and other belongings inside your mobile home.
Liability Protection
Provides coverage if someone is injured on your property or if you accidentally cause damage to others.
Additional Living Expenses
Helps cover temporary housing and meals if your home becomes unlivable due to a covered loss.
Skirting & Outbuilding Coverage
Includes protection for additions like awnings, decks, sheds, and skirting.
Weather-Related Risk Protection
Offers specific support for hail, high winds, and sudden storm damage—common in West Texas.
Made for West Texas Living
Local conditions call for custom coverage
Mobile homes in West Texas face distinct challenges, from hailstorms in the spring to extreme heat in the summer. Wind damage is a leading concern, especially in areas like Abernathy and surrounding rural communities where homes are more exposed to open land. Many mobile homes also include porches, add-ons, or utility buildings that need to be properly covered. We help mobile homeowners in this region find the right policy—one that reflects the way they live, where they live, and what they value most.
Frequently Asked Questions
Is mobile home insurance required in Texas?
Mobile home insurance isn’t required by state law, but it’s often required by lenders and mobile home parks. Even if it’s not mandatory, having insurance is the best way to protect your investment. Repairs and replacements can be costly after a fire, storm, or theft. A basic policy gives you financial security and peace of mind.
How is mobile home insurance different from standard homeowners insurance?
Mobile home insurance is structured specifically for manufactured and modular homes, which have different construction types and risk profiles. For example, wind and fire risks are often rated differently than in traditional site-built homes. It also allows for specialized coverage options like skirting or anchoring systems. We’ll help you choose the right protections based on your home’s setup.
What perils are covered in West Texas?
Most policies cover common risks such as wind, hail, fire, theft, vandalism, and water damage from sudden events. In West Texas, wind and hail are especially important due to frequent seasonal storms. If you live in a flood-prone or high-wind zone, we can recommend extra coverage to match your local risks. It’s important to have a policy that reflects the environment around your home.
How much does mobile home insurance cost in Texas?
In Texas, mobile home insurance typically ranges from $300 to $1,000 per year depending on the size, age, and location of the home. Optional coverages, like outbuilding protection or replacement cost coverage, may affect your rate. We’ll walk you through the options to make sure your policy fits your needs and your budget. Most people are surprised by how affordable it can be.
Can I get coverage for older mobile homes?
Yes, many insurers provide coverage for mobile homes that are 10, 20, or even 30+ years old. Some carriers may require an inspection or have guidelines about updates to plumbing, electrical systems, or roofing. We’ll help you find companies that insure older units and explain what’s needed to qualify. Age doesn’t have to be a barrier to getting good protection.
