DWELLING COVERAGE
Covers damage to the structure of your mobile home from risks like fire, storms, and vandalism, ensuring repair or rebuilding costs are covered.
WHY PAY MORE?
GET AFFORDABLE MOBILE HOME INSURANCE RATES IN TEXAS
Single-Wide
Double-Wide
Triple-Wide
Modular
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF MOBILE HOMES CAN I INSURE IN TEXAS?
Single-Wide Mobile Homes
Single-wide mobile homes are vulnerable to storms and other risks. Proper coverage can protect the structure and belongings from unexpected damage.
Double-Wide Mobile Homes
Double-wide mobile homes offer more space but require added protection from weather risks. Insurance helps cover the structure, contents, and potential repairs.
Triple-Wide Mobile Homes
Triple-wide mobile homes offer expansive living, but require comprehensive coverage against risks like storms, fires, and vandalism, protecting the structure and personal items.
Modular Homes
Modular homes in Texas can face weather and other hazards. Coverage ensures protection for both the home structure and the personal property inside from unexpected events.
WHY IS CINCO THE BEST CHOICE FOR MOBILE HOME INSURANCE IN TEXAS?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY MOBILE HOME IN TEXAS?
PERSONAL PROPERTY COVERAGE
Protects your belongings inside your mobile home, such as furniture and electronics, from theft, fire, or damage, ensuring you aren’t financially burdened by loss.
LIABILITY COVERAGE
Covers legal and medical costs if someone is injured on your mobile home property, protecting you from financial loss due to accidents or negligence.
LOSS OF USE COVERAGE
Pays for living expenses if your mobile home becomes uninhabitable due to a covered event like fire or storm damage, ensuring you’re not financially strained during repairs.
FIRE DAMAGE COVERAGE
Covers repairs or rebuilding costs for your mobile home if damaged by fire, ensuring you're protected from the potentially high costs of fire-related destruction.
STORM AND HAIL DAMAGE COVERAGE
Protects against damage from severe storms or hail, covering repairs for your mobile home’s structure and the costs of replacing damaged personal property.
THEFT COVERAGE
Covers loss of personal property due to theft from your mobile home, providing reimbursement to replace stolen items, and ensuring financial protection in a break-in.
VANDALISM COVERAGE
Covers damage to your mobile home caused by vandalism, including broken windows or defaced property, ensuring repair costs are covered and your property is protected.
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ADDITIONAL LIVING EXPENSES (ALE) COVERAGE
Covers temporary housing and living expenses if your mobile home is uninhabitable due to a covered loss, helping you maintain normalcy during repairs.
MEDICAL PAYMENTS COVERAGE
Covers medical expenses for guests injured on your mobile home property, regardless of fault, helping to cover treatment costs if an accident occurs on your premises.
HOW IT WORKS
EXPLORE
Protect your mobile home with our comprehensive property insurance plans. Review the wide range of options we provide on our website!
CONNECT
Contact our team for more information on our insurance solutions. CINCO can help you find the appropriate plan for your mobile home needs.
COMPARE
Request free quotes from CINCO and compare them to find the best plan for your budget—let our agents help you on your way!
THE MOBILE HOME INSURANCE LANDSCAPE IN TEXAS
Texas is celebrated for its diverse culture, wide landscapes, and dynamic economy. Known as the "Lone Star State," it is the second-largest U.S. state in size and population. Texas boasts scenic beauty, from the Gulf Coast beaches to the rugged hill country, making it a hub for both residents and tourists.
Site-built homes are a popular housing option in Texas due to their affordability and flexibility. However, the state's weather, including hurricanes, tornadoes, and hailstorms, makes mobile home insurance essential. It protects homeowners from the financial burden of damages caused by unpredictable weather.
CINCO Auto Insurance offers standard homeowners insurance options. With competitive rates and personalized coverage options, we ensure that mobile homeowners are well-protected. Our qualified and dedicated team makes it easy to understand policies and offers support throughout the process.
FACTORS THAT IMPACT MOBILE HOME INSURANCE RATES IN TEXAS
Understanding the factors that impact mobile home insurance rates can help you find affordable coverage that meets your needs. For instance, mobile homes located in areas with minimal weather risks tend to have lower premiums compared to homes in regions prone to hurricanes or tornadoes. This is due to the varying levels of risk associated with each area. Since every policyholder has unique circumstances, insurance rates can differ significantly. Here are the key factors that influence mobile home insurance premiums in Texas:
Location
Age of the Mobile Home
Size of the Mobile Home
Construction Materials
Coverage Amount
Deductible Amount
Claims History
Property Value
Risk of Natural Disasters
Proximity to Water Sources
Security Features
Occupancy Status
Type of Mobile Home (Single, Double, Triple-Wide)
Condition of the Mobile Home
Local Crime Rate
WHO IS REQUIRED TO HAVE MOBILE HOME INSURANCE IN TEXAS?
In Texas, mobile home insurance is not legally required, but it’s highly recommended. Specific situations, such as financing or living in disaster-prone areas, often demand it. It helps protect your investment and provides financial security. For homeowners renting their mobile homes or owning luxury models, insurance is essential for peace of mind. Mobile home insurance is necessary for the following people for safe and secure living, whether for peace of mind, financial protection, or practical needs:
Mobile homeowners who own the home, either purchased outright or financed.
Landlords renting mobile homes to tenants to protect their property.
Buyers in manufactured home communities where insurance may be mandatory.
Owners of valuable mobile homes that need protection for high-value assets.
Owners of older mobile homes that require specialized coverage for wear and tear.
Buyers with a mobile home loan as lenders often require insurance.
Owners in high-risk areas prone to floods, storms, or wildfires.
First-time mobile home buyers to safeguard their investment.
Mobile homeowners with personal property that needs protection against theft, fire, or damage.
Individuals in areas with high crime rates to protect against vandalism or theft.
WHY IS MOBILE HOME INSURANCE NECESSARY IN TEXAS?
HOW DOES MOBILE HOME INSURANCE WORK IN TEXAS?
In Texas, mobile home insurance helps protect homeowners from financial losses due to potential damages, theft, or accidents. Policyholders pay a monthly or annual premium, and the insurance covers repair or replacement costs after covered events like storms or fires. Insurers assess the claim and compensate based on the policy’s terms, ensuring financial support in unexpected situations.
The insurance also includes liability coverage, which protects homeowners if someone is injured on their property. Texans can customize policies to include add-ons, such as coverage for detached structures or personal belongings. With flexible and personalized options, homeowners can select coverage that fits their needs, providing peace of mind against common risks in Texas, like extreme weather.
HOW MUCH MOBILE HOME INSURANCE COVERAGE DO I NEED IN TEXAS?
In Texas, mobile home insurance isn’t required by law, but coverage may be mandatory if your home is financed or located in a mobile home park. The right amount of coverage depends on your home’s value, location, and personal needs. It’s essential to have enough protection to cover replacement costs, personal belongings, and liability risks.
Additional coverage is recommended for those in high-risk areas prone to hurricanes or flooding. Liability insurance is essential in case of accidents, and personal property coverage protects belongings. Add-ons, such as replacement cost policies, provide full security. Working with an agent ensures you find a plan that offers both affordability and comprehensive coverage personalized to your needs.
WHAT DISCOUNTS CAN I GET FOR MOBILE HOME INSURANCE IN TEXAS?
If your mobile home insurance premiums in Texas are higher than expected, there are several discount options you can explore to make your coverage more affordable. Many insurance providers offer various discounts designed to reduce costs for policyholders. By discussing your situation with your insurer, you can uncover potential savings opportunities tailored to your needs. For instance, maintaining a claims-free history can significantly lower your rates. Here are some specific discounts you may qualify for to help reduce your mobile home insurance expenses:
Bundle Discount
Claims Free Discount
Security System Discount
Paid-in-Full Discount
New Home Discount
Age of Home Discount
Fire-Resistant Materials Discount
Higher Deductible Discount
Storm-Proofing Discount
Multi Policy Discount
HOW MUCH DOES MOBILE HOME INSURANCE COST IN TEXAS?
The average cost of mobile home insurance ranges from $750 to $1,600 per year, depending on location, coverage type, and home condition. Texans in storm-prone areas often face higher premiums due to increased weather risks. Adding features like personal property or liability coverage raises costs but offers greater security.
Discounts for installing safety devices, bundling policies, or maintaining a claims-free record can significantly lower premiums. Comparing quotes ensures Texans find affordable, comprehensive policies that effectively balance cost and protection. A proper understanding of factors influencing rates, including home location, age, and security measures, helps homeowners choose coverage that meets their needs without overspending.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE MOBILE HOME INSURANCE QUOTE IN TEXAS?
Accurate insurance quotes depend on details like location, age, and size, which influence rates. You should consider additional features, like safety upgrades or add-ons, when requesting quotes. Being specific about personal property and liability needs ensures a customized policy. Providing clear and complete information helps insurers offer the best coverage options at affordable rates. Below is a list of the essential requirements to get an accurate mobile home insurance quote in the state:
COMPARE MOBILE HOME INSURANCE RATES IN TEXAS BY INSURANCE COMPANY
Mobile home insurance rates in Texas vary significantly depending on the insurer, coverage options, and location. Insurance companies offer rates based on factors like the mobile home's age and condition, the property's value, and the level of coverage you choose. According to U.S. News, comparing quotes from multiple companies helps find the most suitable option. Here is a table that includes the most affordable insurers in town and how much they charge for insurance each month:
$263
$223
$238
$331
$422
$443
$426
$2,980
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: U.S. News
Last Update: Dec 09, 2025
GET A FREE MOBILE HOME INSURANCE QUOTE IN TEXAS
Start your journey to safe and secure mobile home insurance with CINCO. Getting a budget-friendly insurance quote in Texas is simple and quick with us. You just need to fill out the form. After submission, one of our property insurance agents in Texas will reach out to discuss personalized coverage options, answer your questions, and inform you about available discounts.
If you don’t like filling out the form, call, email, or visit us instead. Get your free mobile home insurance quote today and protect your home, ensuring peace of mind.
Single-Wide
Double-Wide
Triple-Wide
Modular
Other
CRUCIAL MOBILE HOME STATISTICS AND INSIGHTS IN TEXAS YOU SHOULDN'T MISS
Mobile home insurance statistics reveal the risks and trends unique to Texas. With frequent storms, high ownership rates, and a large number of mobile homes, these insights are vital for homeowners seeking proper coverage to make informed choices. Knowing how factors such as weather, location, home type, coverage options, and insurance trends affect costs helps residents make informed decisions and ensures they understand the financial protection needed. Here are key statistics to consider, offering valuable guidance:
01
With over 1 million mobile homes, Texas ranks 3rd in the U.S. for mobile home ownership. (Statista)
02
Over one-third (35%) of manufactured homeowners nationwide lack homeowners' insurance. (Consumer Federation of America)
03
Texas experiences frequent hailstorms, and hail damage accounts for 30% of yearly claims. (Restore Masters)
04
Mobile homes are more vulnerable to flood risks than other housing types. (Head Waters Economics).
05
Installing a comprehensive home security system can lead to significant discounts on insurance premiums. (Cover Hound)
06
Bundling home and auto insurance policies is a common practice that can lead to significant savings. (Consumer Reports)
07
In Texas, you can expect to pay between $500 and $1,000 annually for modular home insurance. The risk of hurricanes and tornadoes can affect how much you’ll pay for coverage. (Simply Insurance)
08
The four main concerns of any insurance provider when it comes to home insurance are fire damage, water damage, theft, and hail damage. (Trusted Choice)
09
The average claim for residential hail damage is approximately $12,000 annually. (Mint Exteriors).
10
Mobile home park thefts increased by 10% in 2022, underscoring the need for theft coverage. (Texas Crime Stats).
Note: These statistics were accurate at the time of publication and may change over time. Please refer to official sources for the most current data.
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