Best Mobile Home Insurance Companies In Texas For 2024
Foremost emerges as the best choice for mobile home insurance in Texas.
When it comes to protecting your mobile home, the insurance landscape differs from that of traditional homes. Mobile homes, also referred to as “manufactured homes,” face higher exposure to severe weather like strong winds, hail, and water damage. This distinct situation can occasionally pose challenges to homeowners looking for mobile home insurance in Texas.
If you’re in search of the finest mobile home insurance policy for both you and your family, there are a variety of factors to take into account. These considerations span across coverage features and associated costs.
To simplify the process of finding the best coverage at the appropriate price, we’ve identified the highest-rated companies (with Foremost standing out as the top company for mobile home insurance) to insure your valuable property.
Best Mobile Home Insurance Companies In Texas, 2024
As you will see, the companies we have assessed have been included due to their distinct benefits and policy attributes, which could align well with your specific circumstances. However, it’s worth stating that the best policy for you might differ from what suits someone else.
Below, you'll find the companies we have shortlisted, along with a brief overview of some important criteria:
Comparison Of The Best Mobile Home Insurance In Texas
Now that you've been introduced to our top selections in each category, let's provide a more direct comparison by placing them side by side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Our Methodology
We arrived at our conclusions by evaluating each insurance company’s standard coverage options, additional coverages, online feedback, financial stability, and ratings for customer satisfaction.
Regrettably, the pricing details were not accessible through online sources for any of the insurers we thoroughly assessed.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
The Best Mobile Home Insurance Companies In Texas
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, presents a range of standard and optional coverage features, similar to those offered by other mobile home insurance providers. However, what sets it apart is its standout feature: the “extended replacement cost” coverage.
Under this coverage, Foremost offers a unique advantage; In the unfortunate event of your mobile home being completely destroyed, you become eligible for reimbursement up to 20% beyond the value specified in your policy.
Foremost also distinguishes itself in terms of customer satisfaction. With a J.D. Power customer satisfaction rating of 868 out of 1,000, it outperformed all the other insurers under our review.
Nonetheless, it’s worth noting that Foremost does not provide instant quotes on its website. Instead, upon submitting your details through a quote form, you can anticipate receiving an email quote within a span of 24 hours.
It’s also significant to acknowledge that Foremost stands as one of the largest mobile insurance providers across the United States. Its extensive network encompasses more than 38,000 agents, all representing the company.
Benefits & Drawbacks
⇅- Endorsed by AARP and offers member discounts
- Provides coverage for individuals with credit challenges
- Extends policies to include older mobile homes
- Offers a variety of supplementary coverage options, such as debris removal and food spoilage ✓
- Absence of an online application option
- Quote delivery may take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out from the competition due to its new homeowner discounts, strong financials, high customer satisfaction, and user-friendly digital experience. Their website is easy to navigate and they even have a mobile app for added convenience.
A unique feature among the mobile home insurers we evaluated is Progressive’s “single deductible” benefit. By bundling your mobile home and auto insurance, a single deductible applies to both policies, instead of having separate ones for each.
For instance, if a hailstorm damages both your mobile home’s roof and your car, and you have a $500 deductible for both policies, you pay only one deductible for repairs to both.
Moreover, Progressive provides a bundled discount for combining mobile home and auto insurance.
They also offer a “trip collision” endorsement, covering your dwelling and possessions during relocation.
Benefits & Drawbacks
⇅- Offers the option for replacement cost coverage
- Features discounts tailored for new homeowners
- Provides a mobile app for added convenience ✓
- Consumer ratings are less favorable compared to several other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate distinguishes itself by offering extensive coverage suitable for everyone, along with a special discount catered to retirees aged 55+ and original titleholders of their mobile or manufactured homes. This unique approach can lead to more affordable policy options. Similar to most homeowners insurers in Texas, Allstate also extends a bundle discount.
An exceptional feature found only in Allstate’s mobile home insurance, and not on competitor policies, is its “mine subsidence” coverage. This coverage safeguards against damage to your mobile home resulting from land movement induced by human-made mining activities. Additionally, Allstate provides property protection covering damage to satellite dish antennas.
Allstate’s standard coverage policy is quite similar to that of its competitors. It encompasses benefits such as actual cash or replacement cost coverage for your mobile home structure and personal belongings, liability protection, and guest medical safeguarding.
Furthermore, they offer optional coverages like protection against water backup, reimbursement for environmentally-friendly enhancements following a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Offers discounts for retirees and original title holders
- Provides a mobile app for ease of use
- Presents a range of valuable optional coverage selections ✓
- Customer experiences can differ based on your local agent
- Immediate online quotes are not available ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Unlike many mobile home insurance policies that exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant policyholders enjoy protection against these events.
Assurant’s All Risk coverage extends its protection against sudden and accidental incidents resulting in direct loss or damage to your mobile home (with minimal specified exclusions). Moreover, its dwelling and personal property replacement cost coverage ensures that your home and belongings are replaced with new items of comparable kind and quality, with no depreciation deduction.
Furthermore, Assurant encompasses adjacent structures on your property, like sheds, fences, or stand-alone garages, within its coverage. Additionally, it provides reimbursement for additional living expenses if your home becomes uninhabitable due to a covered loss.
Benefits & Drawbacks
⇅- Includes flood and earthquake coverage as part of the standard policy
- Offers standard replacement cost coverage for your home and belongings ✓
- Absence of online quotes; requires contacting the toll-free number from 7 am to 7 pm
- No availability of a mobile app ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers offers customizable mobile home insurance policies in Texas which are tailored to individual requirements. With a widespread network of agents across the state, Farmers assists you in choosing the appropriate coverage, deductible, and endorsements to match your needs.
Farmers’ range of endorsements encompasses green-home improvements, allowing you to upgrade appliances and systems to energy-efficient models after a claim. They also provide the option for replacement cost coverage, enhancing personal protection, and they even extend coverage against identity theft.
Additionally, Farmers presents various discounts to policyholders. These include incentives for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free record, and bundling multiple policies, such as car or life insurance, with Farmers.
Benefits & Drawbacks
⇅- Claim forgiveness ensures no rate hikes after five consecutive claim-free years
- Covers replacement of lost or stolen personal property, even when you're away from home ✓
- Solely obtain quotes through an agent
- Achieved the lowest J.D. Power score among the insurers we evaluated ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While not as widely recognized as some of its competitors with larger advertising campaigns, American Family holds its position among the top eight home insurers in the U.S. based on market share. This insurer stands out by providing a variety of ways for you to save on your monthly premium, through their discounts.
You become eligible for discounts with American Family if you:
- Combine your mobile home and auto insurance
- Incorporate smart devices such as Ring or Nest in your home
- Reside in a newer home purchased within the past three years
- Utilize the company’s autopay, full pay, and paperless billing options
American Family also offers diminishing deductible coverage. On the very first day, they reduce your deductible by $100 – transforming a $1,000 deductible into a $900 deductible as soon as your policy is initiated. Subsequently, each year when your policy renews, your deductible progressively decreases, ultimately reaching your policy’s maximum limit.
Benefits & Drawbacks
⇅- Offers an extensive array of methods to qualify for discounts
- Features a mobile app for tracking claim status
- Presents a diverse selection of supplementary coverage options ✓
- Some reports indicate slow claims processing ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Established in 1949, American Modern prides itself on being among the pioneering insurers focusing on mobile home coverage.
It sets itself apart through its specialized approach, catering to owners of vacant or seasonal mobile homes. This distinctive offering was notably absent among the other mobile home insurance providers we assessed.
American Modern deviates from the norm by not providing replacement cost coverage in the event of a total loss. Instead, for such situations, it settles based on your home’s stated value, as indicated in your policy. No deduction for depreciation is applied. In cases of partial loss, it compensates with the actual cash value of the loss, though an option exists to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Offers a robust mobile app for convenient claims reporting
- Boasts a comprehensive understanding of the mobile home market due to decades of experience ✓
- Lack of online quotes; quotes must be obtained from an agent
- Doesn't provide certain discounts that are available with other insurers ✘
How To Find The Best Mobile Home Insurance Company For You
To find the best mobile home insurance and the right insurer for your needs, consider these steps:
- Begin by selecting at least three companies from our comprehensive reviews to request quotes. Gathering multiple quotes will enhance your understanding of mobile home insurance, ensuring you receive suitable coverage without overpaying.
- Determine which perils you want covered. While fire protection is standard in mobile home policies, factor in your proximity to water or mountains that could lead to flooding. Depending on the insurer, this might necessitate a separate flood insurance policy.
- Take stock of valuable or distinctive items you possess. Calculating their value alongside your other belongings will aid in determining the appropriate policy limits, averting the pitfalls of over-insuring and overspending.
- Account for any upgrades, renovations, or significant changes that could influence your mobile home’s value when seeking a quote.
Before or after obtaining quotes, capture photographs and document serial numbers of valuable items, appliances, and other insured possessions. Keep this information in a secure, fire-resistant container or store it at an alternate location. These details will prove invaluable in the event of a future claim.
Do You Need Mobile Home Insurance In Texas?
We believe you need mobile home insurance in the Lone Star State.
First, if you’re obtaining a mortgage for your Texas mobile home purchase, your lender will likely mandate insurance coverage.
Second, every home in Texas, whether financed or not, confronts the erratic challenges posed by severe thunderstorms with destructive winds, hailstorms, tornadoes, and the potential impact of tropical storms and hurricanes arriving from Florida or the Atlantic Ocean.
Lastly, consult your mobile home park or community guidelines to determine if residents are obligated to have mobile home insurance in Texas.
What Does Mobile Home Insurance Cover?
A standard mobile home policy typically includes the following coverage:
Dwelling Coverage
This coverage handles expenses for repairing or replacing your mobile home’s structure in case it’s damaged by events your policy covers, up to your chosen limit. You’ll also determine a deductible, which you’re responsible for paying before the insurer contributes toward an approved claim.
The following events are usually covered:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Other Structures Coverage
This aspect covers repairs for structures like sheds, fences, or other unattached constructions if they’re damaged by events covered in your policy.
Personal Property Coverage
This coverage funds replacements or repairs for electronics, furniture, and other possessions if they’re damaged or stolen.
Liability Insurance
In the event a visitor is injured and takes legal action against you or you unintentionally cause harm to others’ property or well-being, liability insurance comes into play. It often includes coverage for associated legal costs.
What Doesn’t Mobile Home Insurance In Texas Cover?
Every insurance policy features exclusions. Mobile home insurance in Texas typically doesn’t account for damage caused by:
Flooding
If your policy excludes flood damage and you reside in a high-risk area, it’s advisable to consider obtaining separate flood insurance.
Earthquakes
Despite Texas not being prone to earthquakes, mobile home insurance in the state doesn’t provide protection against “earth movement.”
Wear And Tear
Insurance covers abrupt, accidental damage, but it doesn’t extend to normal wear and tear as items naturally age.
Insect Or Animal Infestation
Insurers consider pest prevention part of regular maintenance, which isn’t usually covered.
Damage Related To Using Your Mobile Home For Business Purposes
If you conduct business activities from your mobile home, you may require a commercial policy.
Average Cost Of Home Insurance In Texas
While none of the insurers we assessed disclose prices on their websites, we project that mobile home insurance expenses in Texas typically range from $40 to $125 per month. The final cost hinges on your chosen coverage limits, deductible, selected options, and other influencing factors outlined below.
Various elements come into play when determining the cost of your mobile home insurance policy in Texas:
- Geographical Location (ZIP Code)
- Age of Your Home
- Replacement Cost of Your Home
- Chosen Limits and Coverage
- Deductible Preference
- Claims History
All the insurers we’ve reviewed offer diverse discounts to mobile home insurance policyholders. These discounts encompass options like bundling your coverage with auto insurance, among others.
Largest Manufactured Home Insurance Providers In Texas
| Provider | Market Share |
| Foremost | 4.1% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
| Progressive | 1.8% |
| State Farm | 8.34% |
How To Buy Mobile Home Insurance Online In Texas
These steps streamline the process of purchasing a mobile home insurance policy online, ensuring a straightforward and relatively swift experience.
- Determine your required level of protection: Beyond safeguarding your dwelling, calculate the cumulative worth of your mobile home’s contents. This assessment aids in establishing appropriate property damage limits for the replacement of your home and possessions.
- Obtain an online quote: Most Texas-based mobile home insurance providers offer the convenience of online quotes. Some websites even facilitate coverage and cost comparisons, further simplifying the online shopping experience.
- Complete the application: After identifying the suitable coverage at an affordable price point, you’ll proceed to complete an application for insurance. While many insurers permit online application submission through their websites, certain ones might necessitate an in-person meeting with an agent to finalize the application.
Unique Considerations For Mobile Home Insurance In Texas
Just like its fellow southern state, Florida, Texas faces a range of challenging weather conditions, including:
- Wildfires
- Destructive winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Due to these factors, we strongly advise all mobile home owners in Texas to ensure they have sufficient coverage.
How To Find Cheap Mobile Home Insurance In Texas
For affordable mobile home insurance in Texas, it’s wise to secure quotes from a minimum of three insurance companies. Rates differ across insurers for both their fundamental coverage and additional options. While inquiring about available discounts, ensure you capitalize on potential savings.
However, we advise against solely selecting an insurer based on cost. Prioritize having suitable coverage limits and guarantee that your quotes offer a genuine apples-to-apples comparison.
Looking For Mobile Home Insurance In Other U.S. States?
FAQs
Is mobile home insurance more expensive in Texas?
In most cases, mobile home insurance costs in Texas are on par with those in neighboring Southeastern states, with the exception of Florida, where numerous insurers refrain from providing mobile home insurance coverage.
Do you need mobile home insurance in Texas?
While there’s no state law mandating insurance for your mobile home in Texas, your mortgage lender might require it. Nevertheless, regardless of whether you have a mortgage, we highly recommend securing mobile home insurance for your own protection.
How are mobile home insurance rates determined?
Mobile home insurance rates are influenced by a multitude of factors, encompassing your location, coverage limits, chosen deductible, and any applicable discounts.
