Best Mobile Home Insurance in Texas in 2026
- Foremost is Texas’ best insurance company for mobile and manufactured homes.
- State Farm is a good choice for bundling car and mobile home insurance.
- Mobile home insurance in Texas costs an average of $2,408 a year.
Best mobile home insurance companies in Texas
Foremost has the best mobile home insurance in Texas, based on its affordable rates and flexible coverage options. It also has a good complaint rating from the National Association of Insurance Commissioners (NAIC)
State Farm and Progressive are also good insurance companies for mobile and manufactured homes.
Best overall: Foremost
Average annual rate: $1,680
LendingTree rating: Not rated
Why we chose it: Foremost charges 30% less than the state average for Texas mobile home insurance. It also covers more types of mobile and manufactured homes than most other companies, including older mobile homes.
Who it’s best for: Foremost is best for most mobile home owners. In addition to standard coverages for your home and belongings, Foremost has a wide array of optional add-ons. These include protections for hobby farms and home-based businesses. Its 0.7 NAIC rating means it has 30% fewer complaints than average.
PROS
- Rates are 30% lower than the state average
- Good NAIC complaint rating
- Insures more types of mobile homes than most companies
CONS
- Online quoting requires a phone call to complete purchase
Best for bundling: State Farm
Average annual rate: Not available
Why we chose it: State Farm has the cheapest car insurance in Texas. This can make it a good deal for bundling your mobile home insurance with your auto policy.
Who it’s best for: State Farm is best for bundlers with manufactured homes. State Farm insures manufactured homes, but not mobile homes built before 1976. The company offers the standard coverages most manufactured homes need, and a few add-ons. Unfortunately, you can’t get online quotes, but State Farm’s website can help you find a nearby agent for help.
PROS
- Cheap car insurance can make bundling affordable
- Offers add-on coverage for valuables
- Personalized service from local agents
CONS
- Online quotes not available for manufactured homes
- Doesn’t offer as many add-on protections as Foremost
Best for online quotes: Progressive
Average annual rate: $2,151
Why we chose it: Progressive’s online quoting system lets you compare rates and coverage options from multiple companies at once. This takes some of the legwork out of shopping.
Who it’s best for: Progressive is best for online shoppers. Seeing multiple companies’ rates and coverage options takes some of the stress out of comparing quotes. In Texas, Progressive offers quotes from American Modern, Assurant and Foremost. Its system lets you increase your coverage limits, but you have to contact an agent to lower them.
PROS
- Offers online quotes within minutes
- Includes side-by-side comparisons of coverage and rates
- Works with companies specializing in Texas mobile home insurance
CONS
- Limited ability to adjust coverage limits online
Texas mobile home insurance rates and ratings
| Company | Annual rate | Complaint score* | |
|---|---|---|---|
| Foremost | $1,680 | 0.7 |
 | Assurant | $1,741 | 3.1 |
 | Kin | $2,579 | 0.7 |
 | American Modern | $3,492 | 1.4 |
| State Farm** | NA | 1.4 |
**Rates for State Farm manufactured home insurance are not available (NA).
How much is mobile home insurance in Texas?
Mobile home insurance costs an average of $2,408 a year in Texas, or about $201 a month.
The actual price you pay depends on factors like your location and the type of mobile home you have.
Mobile home insurance in Texas tends to cost more in areas exposed to severe weather, including coastal areas. Companies often have cheaper rates for newer manufactured homes and homes anchored to permanent foundations.
Most home insurance companies offer insurance for mobile and/or manufactured homes. Some issue these policies themselves. Others team with companies that specialize in it, like Foremost, Assurant and American Modern.
It’s good to compare mobile home insurance quotes from a few companies to find the best rate.
What does Texas mobile home insurance cover?
Mobile home insurance covers your home and possessions from damage from the most common risks in Texas. It also covers theft of your belongings and certain other expenses.
Most mobile homeowners need an HO-7 policy, which is a form of homeowners insurance designed for mobile homes. In most of Texas, HO-7s cover tornadoes, windstorms and hail. The exceptions are along the Gulf Coast, where windstorm insurance is sold separately.
Standard mobile home insurance usually does not cover earthquakes or floods. Some companies offer earthquake protection as an add-on to an existing mobile home policy.
Flood insurance is available through the government-run National Flood Insurance Program (NFIP). Your mobile home usually needs to be anchored to a permanent foundation to get an NFIP policy.
If you rent out your mobile home to someone else, you can insure it with a landlord policy, which is different from an HO-7. You usually just need renters insurance if you’re a tenant in a mobile home owned by someone else.
How much insurance do I need for a mobile home?
The first step in insuring your mobile home is choosing your policy’s dwelling limit. This is the amount you get for repairing or replacing your home after a disaster. The exact amount you need depends on how you bought your home.
If you have a mortgage, you usually have to insure your home at its replacement value. This is the cost to replace the home with a comparable new one if it’s completely destroyed.
You can cover your mobile home for less if you have a low loan balance or no loan at all. These options include:
- Agreed value: This is an amount you and the insurance company agree upon when you buy your policy.
- Actual cash value: This insures your home at its current value, based on age and wear.
Actual cash value is usually the cheapest coverage option. However, it requires you to pay the most to repair or replace your home after a disaster.
Mobile home insurance coverage options
Most policies offer additional coverages in default amounts that you can adjust to fit your needs. These include:
- Other structures: This covers damage to structures like a deck, garage or shed. It’s important to get enough coverage to rebuild these types of structures after a disaster.
- Personal property: This covers personal possessions like your furniture, clothing and recreational gear, plus appliances that aren’t built into your home. It’s a good idea to make a list of your items and add up their combined value to see how much coverage you need.
- Scheduled personal property: Standard mobile home insurance usually only provides limited coverage for valuables like jewelry. However, most companies offer scheduled personal property coverage to provide more protection for these items.
- Loss of use: This covers temporary living expenses like rent and meals if a disaster forces you from your home. An amount that’s 10% of your policy’s dwelling limit is a good start, but 20% is better.
- Personal liability: This covers injuries and accidents you cause to others, including legal costs in a dispute. It’s good to get a limit that matches the combined value of your home and savings. Doing so protects your finances if someone blames their injuries on your neglect.
- Guest medical payments: This covers initial medical treatment for a visitor injured at your home, regardless of fault. Higher limits are better, but the default amount is usually enough.
Frequently asked questions
Mobile home insurance is not required by law in Texas or any other state. However, lenders typically require it for a mortgage. Mobile home communities often also require residents to insure their mobile or manufactured home.
Mobile homes built before June 15, 1976, are generally called “mobile homes,” and those built afterward are “manufactured homes.” Mobile homes built after 1976 meet safety standards established by the U.S. Department of Housing and Urban Development (HUD).
Yes, but older mobile homes are more difficult to insure than newer ones. Foremost and American Modern are among the companies without age restrictions on the mobile homes they insure.
Methodology
LendingTree obtained mobile home insurance rates from Kin, Foremost and Progressive, the top Texas mobile home insurance companies with online quotes.
Rates are based on average prices shown in quotes from El Paso, Lubbock and Travis counties for typical manufactured homes built between 2012 and 2016.
Prices are shown for comparative purposes only. Your own rates may be different.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our home insurance ratings methodology and full editorial guidelines for further details.
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