Mobile Home Insurance in Texas
Coverage for mobile and manufactured homes across Texas: the home, your belongings, liability and living expenses after a covered loss. Plus straight answers on flood, coastal wind and what your lender expects.
En español: seguro para casa móvil y traila en Texas
Quick Answer: Does A-LA Insure Mobile Homes in Texas?
Yes. A-LA quotes mobile and manufactured home insurance in Texas. No state law requires it, but if you still owe money on the home, your lender will require coverage. A typical policy covers the home, your personal property, liability and additional living expenses. Flood is usually a separate policy, and on the coast, wind and hail may need to come from the Texas Windstorm Insurance Association (TWIA).
Call (866) 252-6116 for a quote, or contact an agent.
What Mobile Home Insurance Covers
The Texas Department of Insurance describes mobile home insurance as coverage for the home, your personal property and additional living expenses, plus liability. These are the usual parts of a policy; limits and exclusions vary by policy, so check yours.
Dwelling
Pays to repair or rebuild the mobile home itself when it is damaged or destroyed by something the policy covers.
Other structures
Covers structures on your property that are not attached to the home, like a detached shed, carport or fence.
Personal property
Pays when your furniture, clothing, electronics and other belongings are stolen, damaged or destroyed by a covered loss.
Liability
Helps pay medical bills, lost wages and other costs for people you are legally responsible for injuring, and damage you cause to someone else's property.
Additional living expenses
Covers rent, food and other extra costs while you cannot live in the home after a covered loss.
Ask how each part pays out. TDI explains that replacement cost pays to repair or replace at current prices, while actual cash value pays replacement cost minus depreciation.
Is Mobile Home Insurance Required in Texas?
Not by state law. The Texas Department of Insurance says the law doesn't require home insurance, but if you still owe money on your home, your lender will require it. In practice, coverage is often required by someone other than the state:
- Your lender. If the home is financed, the loan will require coverage on the home, and the lender is usually listed on the policy.
- Your community. Some land-lease and mobile home communities may require coverage in the lot lease. Read yours.
- Your own budget. Even with no loan, a policy is what pays to repair or replace the home and your belongings after a fire, theft or other covered loss.
Flood and Coastal Windstorm: The Two Big Gaps
Flood is usually excluded
TDI says most home policies don't cover damage caused by floods. Flood coverage is a separate policy, often through the National Flood Insurance Program, and most flood policies have a 30-day waiting period before they start. Rising water, not just coastal storms, is a risk in many parts of Texas.
Coastal wind and hail: TWIA
On the coast, your policy may exclude wind and hail. TWIA sells that coverage in its designated area: the 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and parts of Harris County east of Highway 146. Manufactured homes are eligible.
TWIA eligibility rules include being denied coverage by at least one authorized insurer and, with limited exceptions, a certificate showing the home was built to the applicable building code. Homes in certain coastal V flood zones built or substantially changed on or after September 1, 2009 must also show proof of flood insurance. During a hurricane moratorium, TWIA does not accept applications for new or increased coverage, so set coverage up early.
Mobile Home or Manufactured Home? Titles and Terms
The 1976 line. Texas Occupations Code section 1201.003 defines a mobile home as one built on a permanent chassis before June 15, 1976, and a HUD-code manufactured home as one built on or after that date under federal HUD rules. "Manufactured home" covers both. Insurers ask for the year, so have it ready.
Ownership is a TDHCA record. The Manufactured Housing Division of the Texas Department of Housing and Community Affairs issues the Statement of Ownership, which confirms ownership and liens recorded with the department. Ownership does not pass at a sale until a completed application is filed. Homes are personal property by default unless the owner elects real property. You can search TDHCA's ownership and tax lien records before you buy a used home.
Insurance is separate. The title shows who owns the home; it does not insure it. Buy a policy when you close, so the home is covered from day one.
What to Have Ready for a Quote
- Home details: year, make, size (single or multi-section) and the serial number or HUD label.
- Address, and whether you own the land or rent a lot in a community.
- Lender name if the home is financed.
- Add-ons: decks, porches, sheds, carports, skirting and tie-downs.
- Prior insurance and any past claims.
Mobile Home Insurance FAQ
Still have a question? Call (866) 252-6116 or contact us.
Related Coverage
Reviewed by the A-LA Auto Insurance editorial team · Last updated October 2026. Sources: Texas Department of Insurance home insurance guide; Texas Windstorm Insurance Association coverage and eligibility; TDHCA Manufactured Housing Division; Texas Occupations Code §1201.003. Coverage and eligibility vary by policy.
Get Your Mobile Home Covered
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