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: Oct 21, 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: Oct 21, 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
17,760 reviewsCompany Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,731 reviewsCompany Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
13,128 reviewsCompany Facts
Full Coverage TX Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
State Farm shines as the premier choice for the best mobile home insurance in Texas, boasting competitive rates starting at $50 per month for comprehensive coverage.
Our Top 10 Company Picks: Best Mobile Home Insurance in Texas
| 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
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#1 – State Farm: Top Overall Pick
Pros
- Customized Policies: State Farm crafts policies to address the unique needs of individual homeowners.
- Competitive Pricing: State Farm provides cost-effective rates, ensuring homeowners receive value for their investment.
- Extensive Protection: As highlighted in our State Farm insurance review, State Farm offers comprehensive coverage options for various risks.
Cons
- Restricted Accessibility: State Farm’s services may not be readily available in all geographic areas.
- Possible Premium Escalation: Over time, premiums with State Farm may increase, impacting affordability.
#2 – Travelers: Best for Safety Features
Pros
- Diverse Discounts: Travelers offers various discount opportunities to help homeowners potentially save money.
- Expanded Coverage: Travelers provides additional safeguards like identity theft protection and coverage for green homes.
- Tailored Policies: Travelers customizes policies to address the specific needs and preferences of homeowners.
Cons
- Service Challenges: Some clients have expressed discontent with Travelers’ service, particularly regarding claims processing.
- Coverage Limitations: According to our assessment in the Travelers insurance review, Travelers may not extend coverage to all geographical areas.
#3 – Progressive: Best for Roadside Assistance
Pros
- Comprehensive Protection: Progressive provides a wide range of coverage options to safeguard against various risks.
- Bundling Benefits: Progressive offers discounts for combining home and auto insurance policies, potentially reducing overall costs.
- Tailored Solutions: Progressive personalizes policies to align with the unique needs and preferences of homeowners.
Cons
- Availability Constraints: Progressive’s coverage may not be available in all regions, restricting choices for homeowners.
- Customer Service Issues: As outlined in our Progressive insurance review, certain customers have expressed dissatisfaction with the level of service provided.
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#4 – Farmers: Best for Group Discounts
Pros
- Discount Opportunities: Farmers presents a range of discounts that could lead to lower premiums for homeowners.
- Supplementary Protections: Farmers extends coverage options beyond the basics, including features like identity theft protection and equipment breakdown coverage.
- Efficient Claims Management: Farmers is commended for its prompt and effective handling of insurance claims.
Cons
- Elevated Expenses: Certain homeowners might perceive Farmers’ premiums as being higher than those offered by competing insurers.
- Restricted Accessibility: Farmers’ coverage options may be limited for certain homeowners, as detailed in our comprehensive Farmers insurance review.
#5 – Allstate: Best for UBI Program
Pros
- Discount Possibilities: Allstate offers a variety of discount options, potentially resulting in lower premiums for policyholders.
- Comprehensive Coverage: Allstate provides an array of coverage options to safeguard against various risks.
- Convenient Mobile App: Allstate’s mobile application provides easy access to policy details and facilitates filing claims.
Cons
- Elevated Premiums: Allstate’s insurance premiums may exceed those of other insurers, as outlined in our detailed Allstate insurance review.
- Geographical Limitations: Allstate’s services may not be available in all regions, thus limiting homeowners’ options for coverage.
#6 – AAA: Best for Teens
Pros
- Tailored Policies: AAA tailors policies to align with the specific needs of homeowners.
- Discount Options: AAA provides a range of discount opportunities, enabling homeowners to reduce their premium costs.
- Efficient Claims Handling: AAA is recognized for its prompt and effective processing of claims.
Cons
- Limitations: AAA’s services may not be accessible in all geographical areas. For detailed information on availability, refer to our AAA insurance review.
- Possible Increased Premiums: Certain homeowners might discover that AAA’s premiums are higher when compared to those offered by other insurance providers.
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#7 – USAA: Best for Military Savings
Pros
- Package Discounts: USAA offers savings for bundling policies, potentially lowering expenses. Refer to our USAA insurance review for further information.
- Comprehensive Protection: USAA provides a range of options to shield homeowners from diverse risks.
- Supplementary Safeguards: USAA offers additional coverage options such as identity theft protection and flood insurance.
Cons
- Customer Service Concerns: Some clients have voiced dissatisfaction with the quality of service provided by USAA.
- Restricted Discount Variety: USAA’s range of discounts may not be as wide-ranging as those offered by other insurance companies.
#8 – Geico: Best for Low Deductibles
Pros
- Personalized Coverage: Geico tailors policies to suit the specific requirements of homeowners.
- Financial Stability: Geico demonstrates robust financial ratings, ensuring stability and security.
- Prompt Claims Processing: Geico is recognized for its efficiency and responsiveness in handling claims. For more details on their efficiency, refer to our Geico insurance review.
Cons
- Limited Availability: Geico’s coverage may not be accessible in all regions, thereby restricting options for homeowners.
- Potential Increased Expenses: Some homeowners might perceive Geico’s premiums to be higher than those offered by competitors.
#9 – American Family: Best for Discount Availability
Pros
- Bundle Discounts: American Family offers savings when bundling home and auto policies together.
- Round-the-Clock Assistance: American Family ensures support is available 24/7 for claims and inquiries.
- Convenient Comparison: American Family simplifies the process of comparing quotes from various insurers.
Cons
- Customer Service Issues: Some customers have reported concerns with the quality of American Family’s customer service. See more in our American Family insurance review.
- Coverage Limitations: American Family might have fewer coverage options available compared to its competitors.
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#10 – Liberty Mutual: Best for 24/7 Support
Pros
- Bundle Savings: Liberty Mutual provides discounts for combining home and auto policies.
- Financial Stability: As highlighted in our Liberty Mutual insurance review, the company maintains robust financial ratings for claims security.
- Continuous Support: Liberty Mutual offers 24/7 assistance for claims processing.
Cons
- Discount Constraints: Certain homeowners may perceive Liberty Mutual’s discount offerings as limited.
- Customer Service Concerns: Some clients have voiced dissatisfaction with the quality of Liberty Mutual’s customer service.
Companies That Provide Affordable Texas Mobile Home Insurance
Requirements for Insuring a Mobile Home in Texas
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Options for Insuring a Manufactured Home in Texas
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.
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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?
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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.