Personal & Property • Licensed Texas Agency

Compare Texas Mobile & Manufactured Home Insurance Quotes

From brand-new double-wides on rural Texas acreage to single-wides in manufactured home communities, compare specialized Texas MH carriers offering Replacement Cost, wind/hail, and chattel or FHA/VA lender binders.

✓ Single-Wide, Double-Wide & Modular ✓ Private Land or Park Lot ✓ Owner or Rental Occupancy
30+ Texas Carriers Compared

Quote Texas Mobile & Manufactured Home

Enter your 5-digit Texas ZIP code to launch our guided Texas Mobile & Manufactured Home intake—zero duplicate typing.

TX ONLY

Want to bundle another policy? Select multiple coverages in one intake →

Specialized MH Carriers

Direct access to Foremost, American Modern, Assurant, and Texas specialty manufactured-home underwriters.

Agreed / Replacement Cost

Protect newer HUD-code manufactured homes against depreciation with full Replacement Cost settlement.

Seasonal & Tenant Options

Available for primary residences, weekend lake/ranch retreats, and tenant-occupied rental units.

What Texas Mobile & Manufactured Home covers — and Texas rules to watch

Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.

Core Protections

What’s Covered

  • Manufactured Dwelling Structure: Covers single-wide, double-wide, triple-wide, and modular homes against fire, lightning, explosion, windstorm, hail, and falling trees.
  • Attached Decks, Skirting, Carports & Sheds: Covers steps, porches, metal awnings, skirting, detached storage buildings, and well/septic structures.
  • Personal Belongings (Replacement Cost Option): Replaces furniture, appliances, tools, and clothing damaged by covered perils.
  • Personal Liability & Medical Payments: Covers guest slip-and-falls, acreage premises liability, and accidental third-party damage ($100k–$300k).
  • Emergency Removal / Tie-Down & Trip Collision: Optional coverage when moving a manufactured home to a new Texas site.
  • Water Damage & Equipment Breakdown: Sudden interior pipe burst, water heater rupture, and HVAC/appliance breakdown options.
Texas Underwriting Watch-Outs

Exclusions, Deductibles & Endorsements

  • Texas Tie-Down & Skirting Requirements: Carriers require proper anchoring/strapping in accordance with Texas Department of Housing and Community Affairs (TDHCA) Manufactured Housing Division rules plus continuous perimeter skirting.
  • Pre-1976 Mobile Homes vs. HUD-Code Homes: Homes built prior to June 15, 1976 (pre-HUD code) have limited carrier eligibility and typically settle on Actual Cash Value or Stated Value.
  • Wood Stoves & Polybutylene Plumbing: Uninspected solid-fuel stoves, flat built-up roofs without recent coating, or unreplaced gray polybutylene pipes require specialty underwriting.
  • Coastal Tier 1 Windstorm: Manufactured homes along the immediate Texas Gulf Coast must meet Wind Zone II rules and applicable TWIA/TDHCA anchoring standards.
Texas Statutory, Lender & Contract Alignment

TDHCA Statement of Ownership (SOL) & Chattel / Mortgage Lender Compliance

Whether your Texas manufactured home is financed as personal property (chattel loan via 21st Mortgage, Vanderbilt, Triad) or converted to real property via a TDHCA Statement of Ownership, our agents issue exact lienholder/mortgagee binders.

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How We Shop Your Rate

One 3-minute intake. 30+ Texas carriers competing.

Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.

01 ~3 Mins Online

Complete your Texas Mobile & Manufactured Home file

Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.

Zero duplicate typing
02 30+ TX Carriers

Licensed Texas agent shops the panel

A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.

Soft inquiry • Never hurts credit
03 Same-Day Proof

Bind & receive official proof

Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.

All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
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Bundle & companion Texas coverages

Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.

Smart Texas Pairing

Auto + Manufactured Home

Bundle your pickup trucks, SUVs, and manufactured home together for multi-policy carrier savings.

Quote Bundle → Coverage Guide →
Smart Texas Pairing

Texas Flood Insurance

Protect rural creek-front, lakefront, or coastal manufactured homes against rising floodwaters.

Quote Bundle → Coverage Guide →

Texas Mobile & Manufactured Home — Frequently asked questions

Answers to the most common Texas statutory, lender, and underwriting questions.

Yes! Off-frame modular homes built to the International Residential Code (IRC) on a permanent slab or pier-and-beam foundation often qualify for standard HO-3 Homeowners rates, whereas HUD-code steel-chassis homes use specialized MH policies.
Yes. While some carriers cap age at 20 years, several of our specialty Texas MH markets insure well-maintained 1980s and 1990s homes with updated roofs, plumbing, and 100+ amp breaker panels.
Almost all preferred Texas manufactured-home carriers require full perimeter skirting within 30 days of binding to protect underbelly plumbing from freezes and animals.
Yes—select 'Tenant-occupied rental' in our Mobile Home intake step to quote landlord manufactured-home policies with premises liability and rent loss.
Every day. We deliver same-day Evidence of Insurance formatted to chattel and real-property lender specs.
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