Best Mobile Home Insurance in Texas (Top 10 Companies Ranked for 2024)
State Farm, Travelers, and Progressive provide the best mobile home insurance in Texas, with rates beginning at $50 monthly. Their packages encompass crucial aspects like construction coverage, towing, and parking, catering to homeowners looking for affordability and assurance.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company | Rank | Good Student Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 5% - 7% | A++ | High-Risk Drivers | State Farm | |
#2 | 7% - 10% | A++ | Safety Features | Travelers | |
#3 | 3% - 5% | A+ | Roadside Assistance | Progressive | |
#4 | 6% - 11% | A | Group Discounts | Farmers | |
#5 | 5% - 13% | A+ | UBI Program | Allstate | |
#6 | 3% - 5% | A | Teens | AAA | |
#7 | 5% - 7% | A++ | Military Savings | USAA | |
#8 | 6% - 10% | A++ | Low Deductibles | Geico | |
#9 | 2% - 7% | A | Discount Availability | American Family | |
#10 | 6% - 7% | A | 24/7 Support | Liberty Mutual |
Continue reading to discover further details regarding insurance prerequisites for mobile homes, available insurance choices for mobile homes, and insurers offering coverage for Texas mobile homes. Explore more by entering your ZIP code below.
- State Farm offers policies with liability protection starting at $50 per month
- Find the best mobile home insurance in Texas that suits your needs
- Explore expert reviews to assist you in selecting the ideal mobile home insurance
#1 – State Farm: Top Overall Pick
Pros
- Personalized Policies: State Farm tailors policies to meet individual homeowner needs.
- Competitive Rates: State Farm offers affordable rates, ensuring homeowners get value for money.
- Comprehensive Coverage: According to our State Farm insurance review, State Farm provides extensive coverage options for various risks.
Cons
- Limited Availability: State Farm’s services may not be accessible in all areas.
- Potential Premium Increases: Premiums may rise over time, affecting affordability.
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#2 – Travelers: Best for Safety Features
Pros
- Multiple Discounts: Travelers provides discounts to potentially save money.
- Additional Coverage: Travelers offers extra protections such as identity theft and green home coverage.
- Personalized Policies: Travelers tailors policies to meet homeowners’ specific requirements.
Cons
- Customer Service Issues: Some customers report dissatisfaction with Travelers’ service, including claims handling.
- Limited Options: According to our Travelers insurance review, Travelers may not offer coverage in all areas.
#3 – Progressive: Best for Roadside Assistance
Pros
- Extensive Coverage: Progressive offers comprehensive coverage options for diverse risks.
- Multi-Policy Discounts: Progressive provides discounts for bundling home and auto insurance policies.
- Customized Policies: Progressive tailors policies to meet homeowners’ specific needs.
Cons
- Limited Availability: Progressive may not offer coverage in all areas, limiting homeowners’ options.
- Customer Service Concerns: According to our Progressive insurance review, some customers report dissatisfaction.
#4 – Farmers: Best for Group Discounts
Pros
- Discount Availability: Farmers offers various discounts, potentially reducing premiums.
- Additional Coverages: Farmers provides options like identity theft protection and equipment breakdown coverage.
- Claims Handling: Farmers is praised for responsive and efficient claims processing.
Cons
- Higher Costs: Some homeowners may find Farmers’ premiums higher compared to competitors.
- Limited Availability: Farmers restrict options for some homeowners. Find out more in our Farmers insurance review.
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#5 – Allstate: Best for UBI Program
Pros
- Discount Opportunities: Allstate provides various discounts, potentially reducing premiums.
- Comprehensive Protection: Allstate offers extensive coverage options for different risks.
- Mobile App Convenience: Allstate’s app offers easy access to policy information and claims filing.
Cons
- Higher Premiums: Allstate’s premiums may be higher than other insurers. See our Allstate insurance review for more details.
- Availability Restrictions: Allstate may not operate in all regions, restricting options for homeowners.
#6 – AAA: Best for Teens
Pros
- Customized Policies: AAA customizes policies to match homeowners’ unique needs.
- Discount Opportunities: AAA offers various discounts, helping homeowners save on premiums.
- Responsive Claims Processing: AAA is known for efficient and prompt claims handling.
Cons
- Restrictions: AAA may not be available in all areas. Know their availability through our AAA insurance review.
- Potential Higher Premiums: Some homeowners may find AAA premiums higher compared to other insurers.
#7 – USAA: Best for Military Savings
Pros
- Bundle Savings: USAA provides discounts for policies, potentially reducing costs. Check out our USAA insurance review for details.
- Extensive Coverage: USAA offers options to safeguard homeowners from various risks.
- Additional Protections: USAA provides extra coverage options like identity theft protection and flood insurance.
Cons
- Service Issues: Some clients express dissatisfaction with USAA’s customer service.
- Limited Discount Range: USAA’s discount offerings might not be as extensive as other insurers.
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#8 – Geico: Best for Low Deductibles
Pros
- Tailored Policies: Geico customizes policies to fit homeowners’ specific needs.
- Financial Strength: Geico boasts strong financial ratings.
- Efficient Claims Handling: Geico is known for prompt and responsive claims processing. Read more of their efficiency in our Geico insurance review.
Cons
- Availability Restrictions: Geico may not operate in all regions, limiting coverage options.
- Possible Higher Costs: Some homeowners may find Geico’s premiums higher compared to competitors.
#9 – American Family: Best for Discount Availability
Pros
- Bundle Savings: American Family allows bundling home and auto policies for extra savings.
- 24/7 Support: American Family provides round-the-clock assistance for claims and inquiries
- Easy Comparison: American Family simplifies comparing quotes from multiple insurers.
Cons
- Customer Service Concerns: Some clients report issues with American Family’s customer service. See more in our American Family insurance review.
- Limited Coverage Options: American Family may offer fewer coverage options compared to rivals.
#10 – Liberty Mutual: Best for 24/7 Support
Pros
- Multi-Policy Discounts: Liberty Mutual offers discounts for bundling home and auto policies.
- Financial Strength: Written in our Liberty Mutual insurance review, Liberty Mutual has strong financial ratings for claims security.
- 24/7 Claims Assistance: Liberty Mutual provides round-the-clock support for claims processing.
Cons
- Discount Limitations: Some homeowners may find Liberty Mutual discounts less extensive.
- Service Issues: Some clients express dissatisfaction with Liberty Mutual customer service.
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Companies That Provide Affordable Texas Mobile Home Insurance
Requirements for Insuring a Mobile Home in Texas
Options for Insuring a Manufactured Home in Texas
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Case Studies: Affordable Texas Mobile Home Insurance
In these case studies, individuals in Texas sought insurance solutions for their mobile homes, emphasizing the importance of tailored coverage.
- Case Study 1 – Comprehensive Coverage: John secured comprehensive mobile home insurance in Texas, covering dwelling, personal property, liability, and living expenses, ensuring peace of mind.
- Case Study 2 – Wind and Hail Protection: Sarah, residing in a coastal Texas area prone to wind and hail, secured affordable insurance covering these risks by comparing private insurers and TWIA quotes, addressing her specific needs effectively.
- Case Study 3 – Liability Coverage and Legal Requirements: Mark, a Texas mobile home owner, secured liability coverage meeting state requirements, ensuring legal compliance and financial security.
The Bottom Line on Affordable Texas Mobile Home Insurance
While not mandatory, mobile home insurance is a smart investment, especially for those vulnerable to natural disasters or other hazards. In Texas, there are affordable options available for both new and older mobile homes. Use our free quote tool and know what a typical homeowner insurance policy covers. Enter your ZIP code now.
Frequently Asked Questions
What is mobile home insurance?
Mobile home insurance, also known as manufactured home insurance, is a type of insurance coverage that protects mobile or manufactured homes from various risks such as damage, theft, vandalism, and liability.
Is mobile home insurance required in Texas?
What are the insurance requirements for insuring a mobile home in Texas?
Texas treats mobile homes as dwellings rather than vehicles. While vehicle insurance is required during transportation, once a mobile home is permanently placed on a foundation, vehicle insurance is no longer required.
However, liability coverage is still necessary. Texas requires a minimum of $30,000 in liability coverage per person for injuries, $60,000 per accident, and $25,000 in liability coverage for property damage. Enter your ZIP code now.
What does mobile home insurance typically cover?
Mobile home insurance typically covers the dwelling itself, personal property, liability protection, and additional living expenses in case you need to temporarily live elsewhere due to covered damages. Coverage can also include protection against perils such as fire, theft, vandalism, and weather-related damage.
How can I find affordable mobile home insurance in Texas?
What insurance company covers mobile homes?
What are the top-rated mobile home insurance companies?
What are the cheapest manufactured home insurance?
Does Progressive cover mobile homes?
Is mobile home insurance for older mobile homes possible?
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.