Personal Lines · Manufactured Home
Mobile and manufactured home insurance in Texas.
A narrower market than site-built homes — which is exactly where an independent agency earns its keep.
The short version
A manufactured or mobile home can't go on a standard homeowners policy. It needs a policy built for the structure type, from a carrier that writes them — and far fewer carriers do, which is the single biggest practical difference. Being declined once here is common and doesn't mean much.
Two terms decide what the policy is worth. Most manufactured home policies settle at actual cash value rather than replacement cost, meaning depreciation comes out of the claim — replacement cost is sometimes available and worth asking for by name. And anchoring and tie-downs affect both eligibility and how wind losses are handled, which matters in a state with our storm profile.
What Drives Eligibility
The questions every carrier will ask.
Knowing them in advance is the difference between one quote and several.
Age of the home
The dominant factor. Older units narrow the market sharply, and some carriers have a hard cutoff regardless of condition.
Anchoring and tie-downs
Proper anchoring affects eligibility and wind coverage. Documentation helps — an undocumented improvement is, to an underwriter, one that didn't happen.
Owned land or a park
Whether you own the land or rent a lot changes the policy structure, and park rules sometimes impose their own requirements.
Updates to the four systems
Roof, plumbing, electrical, and heating. Same as site-built homes, and same rule: documented updates earn better terms.
What to Check
Terms specific to manufactured home policies.
These differ from a standard homeowners policy in ways that matter at claim time.
- Actual cash value vs replacement cost — ask for RCV by name
- Wind and hail deductible — often a percentage, as with site-built homes
- Trip collision / transit coverage — if the home will ever be moved
- Detached structures — carports, sheds, decks and skirting
- Personal property limits — and whether contents are ACV too
- Loss of use — somewhere to live during repairs
- Liability — confirm it's included, not an add-on
- Flood is still separate — see our flood page
Skirting, decks, carports and add-on rooms are frequently under-covered or missed entirely, because they were added after the home was placed and never made it onto the policy.
Straight Talk
Getting the most out of a narrow market.
Ask for replacement cost by name
Many quotes default to actual cash value. If replacement cost is available for your home's age and condition, it's usually the single most valuable upgrade on the policy.
Insure the home, not the lot
As with any property, the limit should reflect what it costs to replace the structure, not what you paid for the package.
Document your anchoring
If it's been properly anchored or upgraded, photograph and date it. That paperwork can move you between carriers and tiers.
Don't skip liability to save a little
Liability is the inexpensive part of the policy and the part that protects everything else you have. It's the wrong place to economize.
Get Started
Request a manufactured home quote.
Tell us the year, the size, and whether you own the land.
Reach us directly
You'll hear back from a real person on our team, not a call center.
Plano, TX 75074
Manufactured Home FAQ
Questions we hear often.
Can I insure a mobile home on a regular homeowners policy?
No. Manufactured and mobile homes need a policy designed for the structure type, from a carrier that writes them. Fewer carriers do, which is the biggest practical difference.
Why is my manufactured home policy actual cash value?
Most are, meaning depreciation is deducted at claim time. Replacement cost is sometimes available depending on the home's age and condition, and it's worth asking for by name.
Does anchoring affect my insurance?
Yes. Proper anchoring and tie-downs affect both eligibility and how wind losses are handled. Documentation of anchoring or upgrades helps.
Does it matter whether I own the land?
Yes. Owning the land versus renting a lot in a park changes how the policy is structured, and parks sometimes impose their own coverage requirements.
Are my carport, deck and skirting covered?
Often not automatically. Detached and added structures are frequently missed because they went up after the home was placed and were never added to the policy.
Is flood covered?
No. Flood is excluded here just as it is on a site-built home and needs a separate flood policy.
I was declined. Am I uninsurable?
Almost certainly not. This is a narrow market where carriers differ a great deal, particularly on home age. One decline usually means it's time to shop properly.