Compare Texas-licensed mobile and manufactured home carriers — specialized coverage standard HO-3 policies don't provide.
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Quick note for mobile and manufactured home owners
Texas has one of the largest mobile and manufactured home populations in the US — and standard HO-3 home policies don't cover them. You need a specialized mobile home (HO-7) or manufactured home policy from carriers like Foremost, American Modern, or Standard Casualty.
Mobile and manufactured home insurance in Texas is a specialized policy designed for factory-built homes — distinct from standard HO-3 homeowners policies, which exclude or severely limit coverage for mobile and manufactured housing. The policy is typically called an HO-7 (manufactured home) or simply 'mobile home insurance' depending on carrier and home type.
Texas is home to roughly 700,000 occupied mobile and manufactured housing units — among the largest populations in the US. These homes face a distinct risk profile: tornado and high-wind damage (a single tornado can total a home that isn't properly anchored), severe hail (DFW, I-35 corridor), and hurricane wind/water damage on the Gulf Coast. Standard HO-3 carriers either decline these properties outright or write coverage with severe limitations.
Mobile home policies in Texas are written primarily by specialty carriers: Foremost (a Farmers subsidiary and the market leader), American Modern, Standard Casualty, and a handful of regional Texas insurers. Coverage typically runs $40–$120/month depending on the home's age, value, location, anchoring, and skirting/tie-down quality — significantly cheaper than equivalent site-built home insurance, but with more carrier-specific underwriting nuances.
Pays to repair or replace the mobile or manufactured home structure after covered damage. Coverage limits typically range from $20,000 to $200,000+ depending on home age and value.
Covers your belongings inside the home — furniture, appliances, electronics, clothing. Usually 40–60% of dwelling coverage by default; adjustable upward.
Covers you if someone is injured on your property or if you accidentally damage others' property. Standard $100k–$300k limits typical.
Unique to mobile home policies — covers damage during transport if you move the home. Critical for any home that may be relocated.
Texas mobile home insurance typically runs $40–$120/month depending on the home's age, value, location, and anchoring. Newer homes (post-1994 HUD-code) cost less than pre-HUD homes; properly-anchored homes cost less than non-anchored; suburban homes cost less than coastal or tornado-alley locations.
Coverage is meaningfully cheaper than equivalent site-built home insurance because mobile home values are typically lower — but premiums as a percentage of home value are often higher, reflecting the elevated tornado, hail, and wind risk.
| Scenario | Typical Cost | Notes |
|---|---|---|
| Newer manufactured home (post-2000), $80k value, suburban TX | $48–$78/mo | Most common scenario; properly anchored on permanent foundation. |
| Older mobile home (pre-1994), $35k value, suburban TX | $58–$92/mo | Pre-HUD-code homes face more carrier restrictions and higher rates. |
| Manufactured home, Gulf Coast TX | $95–$165/mo | Hurricane wind exposure raises premiums significantly. |
| Mobile home, North TX tornado-zone | $72–$118/mo | Tornado and severe-hail exposure add to premium. |
Standard HO-3 homeowners policies are written specifically for site-built homes on permanent foundations. They exclude or severely limit coverage for mobile, manufactured, and modular housing because the underlying risk profile is different — particularly around wind, tornado, and structural integrity.
Mobile home policies (HO-7 or specialty manufactured-home policies) are written by specialty carriers who underwrite this risk specifically. Foremost (a Farmers subsidiary) is the largest writer in Texas, followed by American Modern and Standard Casualty. These carriers price the wind, tornado, and hail risk accurately and cover features unique to mobile homes (skirting, decks, attached additions, transport).
If you bought a mobile home recently and your previous owner had a standard HO-3 policy, that policy almost certainly doesn't transfer or cover you correctly. Get a specialty mobile home quote within the first 30 days of ownership — and verify coverage gaps if there's any overlap. The most common mistake is assuming the existing policy works because the bank accepted proof of insurance at closing.
Homes with documented compliance to Texas anchoring standards earn meaningful discounts. Often the largest single lever for mobile home premium.
Foremost (Farmers) and American Modern both offer bundling discounts when you combine mobile home with auto insurance.
Newer manufactured homes built to current HUD codes qualify for newer-construction discounts at most specialty carriers.
Mobile homes set on permanent foundations (concrete piers, slab) qualify for lower premiums than those on temporary supports.
Standard discounts apply — monitored alarm systems, smoke detectors, and water-leak sensors all unlock small stackable discounts.
Texas tornado, hail, and hurricane exposure make insurance non-negotiable. Replacement cost on even a $40k mobile home would be financially devastating without coverage.
Add separate NFIP or private flood coverage immediately — flood is the single largest risk to coastal Texas mobile homes and is never included in mobile home policies.
Pre-HUD-code homes face limited carrier options and meaningfully higher premiums. Compare insurance availability and cost before purchasing — some homes are essentially uninsurable at major carriers.
Illustrative cases based on common situations. Names and details changed for privacy.
Lupita, 52, suburban San Antonio
Inherited a 2008 manufactured home worth $65k. Realtor said the previous owner's HO-3 policy would transfer — it didn't. Got a Foremost mobile home policy at $58/month with bundled auto, including transport coverage in case she needs to move it.
Darnell, 39, North TX (tornado alley)
Bought a 2015 manufactured home, $95k value. Original quote was $145/month; properly anchored to current Texas standards and added a permanent foundation, qualifying for 22% combined discount. Final premium $112/month.
Ramona, 47, Gulf Coast TX
Mobile home in a coastal zone. Specialty mobile home policy covered wind ($85/month) but not flood. Added NFIP flood policy for an additional $145/month. Total $230/month for full hurricane + flood protection.
Largest mobile and manufactured home insurer in Texas. Wide range of coverage options, competitive pricing, and bundle discount with Farmers auto.
More flexible underwriting on pre-HUD (pre-1994) mobile homes that some carriers won't write. Strong specialty carrier with deep mobile home expertise.
Texas-focused mobile and manufactured home carrier. Strong claims handling on Texas-specific tornado, hail, and hurricane events. Often competitive in markets where national carriers limit availability.
Standard policies exclude mobile and manufactured homes. If you assumed coverage and have a tornado or hail loss, your claim will almost certainly be denied. Always confirm policy type explicitly.
Mobile homes in low-lying or coastal Texas flood at higher rates than site-built homes due to elevation and structural vulnerability. Flood is never included in mobile home policies — add a separate NFIP or private flood policy.
Carriers can deny or reduce wind/tornado claims if anchoring doesn't meet Texas standards. Keep documentation (photos, contractor receipts) of all anchoring and tie-down work.
Documented compliant anchoring earns up to 25% discount and dramatically reduces tornado/wind claim risk. Highest single lever for mobile home premium.
Foremost (with Farmers) and American Modern offer 10–15% bundle discounts when combined with auto. Often the second-largest savings lever.
Permanent foundations (concrete piers, slab) qualify for lower premiums than temporary supports. Worth modeling against the upfront cost if you're planning to keep the home long-term.
Get mobile and manufactured home insurance options in Texas starting from $48/mo.
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