Texas Manufactured Home Insurance from an Agent Who Knows the Difference
Manufactured homes aren't covered like site-built homes — and the wrong policy will remind you of that at the worst possible time. We've specialized in manufactured housing insurance in Texas for over 35 years, representing every carrier licensed to write this coverage in the state.
35+ Years. Every Carrier. One Independent Agent.
Most insurance agencies treat manufactured home insurance as a side product. We built our entire practice around it. Kirk Sherrill spent years working inside three of the largest specialty carriers in the country — American Modern, Foremost, and Standard — before going independent. That background means we understand exactly how underwriters evaluate manufactured housing risk, what inputs drive your premium up or down, and how to present your home accurately so you get the right coverage at a fair rate.
We represent all carriers licensed to write manufactured home insurance in Texas. No single-carrier lock-in, no steered placement, and no reason to quote you anything other than the best available option for your specific home and situation.
- Independent agency — no carrier quotas, no preferred placement
- Carrier-trained staff with decades of manufactured housing experience
- Bilingual team — fluent in English and Spanish
- Long-tenured agents: when you call back, you reach the same person
- Serving Hidalgo County, Cameron County, Hays County, Guadalupe County, and Comal County
What Manufactured Home Insurance in Texas Actually Covers
Manufactured home insurance in Texas is written on an HO-7 policy form — a policy structure designed specifically for factory-built housing. It is not a modified homeowners policy, and it does not work the same way as coverage on a site-built home.
A standard HO-7 policy for a manufactured home in Texas typically includes:
Dwelling coverage
Physical structure of the home against covered perils including wind, hail, fire, and lightning
Personal property coverage
Furniture, appliances, clothing, and belongings inside the home
Liability protection
Coverage if someone is injured on your property and you are found responsible
Additional living expenses
Costs to live elsewhere if a covered loss makes your home temporarily uninhabitable
Other structures
Detached garages, carports, and outbuildings on the same lot
Coverage limits, deductible options, and named versus open peril structures vary by carrier. The right combination depends on your home's age, construction, location, and how you use it — primary residence, seasonal home, or rental.
For a full breakdown of how the HO-7 form works and what each coverage component means in plain language, see our HO-7 Policy Guide.
What Determines Your Manufactured Home Insurance Rate in Texas?
Accurate underwriting is the single most important factor in getting a fair premium. The data submitted to a carrier at the time of application shapes every number that comes back. Incomplete or inaccurate information doesn't just cause problems at renewal — it can affect whether a claim is paid.
The factors carriers weigh most heavily for manufactured home insurance in Texas include:
Year and construction type
HUD-code homes built after June 1976 are underwritten differently than pre-HUD housing; age and construction standards affect available coverage options
Roof age and condition
One of the highest-weighted variables in south texas, where wind and hail exposure is significant
Tie-down and anchoring
Homes on permanent foundations or with verified anchoring systems typically qualify for better terms
Location and county
proximity to the coast, flood zone designation, and local claim history all factor into pricing
Home usage
primary residence, seasonal/winter occupancy, and rental properties each carry different underwriting profiles
Coverage selections
dwelling limit, deductible, and optional endorsements shift the final premium
We walk through each of these factors with every client before submitting a quote. Getting the inputs right the first time produces a more accurate quote and a policy that holds up when you need it.
For more detail on how these variables interact, visit our Insurance Rate Factors page.
Coverage for Older Manufactured Homes
Not every agency will write coverage on a manufactured home built before 1976. Pre-HUD homes carry different underwriting requirements, and many carriers decline them outright. We have experience placing coverage on older mobile homes and can work through the options available for homes that don't fit standard eligibility.
If you've been told your home is too old to insure, or if you've had a policy non-renewed because of age, reach out before assuming coverage isn't available.
Learn more about how we approach older mobile homes coverage.
Manufactured Home Insurance for Winter Texans and Seasonal Owners
A manufactured home used seasonally carries different risk than a primary residence — and the policy needs to reflect that. Vacancy clauses, seasonal occupancy endorsements, and coverage timing all matter for snowbirds and Winter Texans who spend part of the year in south Texas park communities and part of the year up north.
We work with a significant number of Winter Texans across the preferred park communities in the Rio Grande Valley. If you're purchasing a park model or manufactured home for seasonal use, or if you already own one and want to review whether your current coverage fits your actual occupancy pattern, we can help.
Learn more about our Winter Texan insurance packages and the south Texas park communities we serve.
Frequently Asked Questions
How much does manufactured home insurance cost in Texas?
Premiums vary based on the home's age, size, location, construction type, and the coverage limits you select. A newer double-wide in a non-coastal county will be priced very differently than an older single-wide near the Gulf. The most reliable way to get an accurate number is to request a quote — we compare rates across all carriers licensed to write this coverage in Texas and present your best available options.
Is manufactured home insurance the same as mobile home insurance?
The terms are often used interchangeably, and the coverage is the same product. "Mobile home" typically refers to factory-built homes constructed before the HUD code took effect in June 1976. "Manufactured home" is the correct term for homes built to HUD standards after that date. Both are insured on an HO-7 policy form, though underwriting requirements differ based on construction era.
What Texas insurance companies write manufactured home insurance?
Several specialty carriers are licensed to write manufactured home insurance in Texas, including American Modern, Foremost, and others. As an independent agent, we represent all of them — which means we can compare options across the market rather than placing every client with a single carrier.
Can I get manufactured home insurance if my home is in a park or community?
Yes. Homes located in manufactured housing communities or RV parks are eligible for coverage. The policy covers the home itself and your personal property — the land lease or lot fee is separate and handled by the park. If you're in a south Texas park community, we're familiar with the specific coverage needs that come with that setup.
Does manufactured home insurance cover wind and hail damage in Texas?
Most HO-7 policies include wind and hail coverage, but deductibles and terms vary by carrier and location. Homes in coastal counties or high-wind zones may face separate wind/hail deductibles or require coverage through a specialty market. We review your location and carrier options to make sure your policy includes appropriate wind coverage for where your home sits.
What's the difference between a manufactured home policy and a standard homeowners policy?
A standard homeowners policy (HO-3) is designed for site-built construction. Manufactured homes are built to different standards, depreciate differently, and carry different risk profiles — which is why they require the HO-7 form. Trying to place a manufactured home on an HO-3 policy typically results in coverage gaps or outright ineligibility. The HO-7 is purpose-built for this type of housing.
Ready to Compare Your Manufactured Home Insurance Options?
We've been placing manufactured home insurance in Texas longer than most specialty agencies have been open. If you're shopping for a new policy, reviewing coverage you already have, or trying to place a home that's been declined elsewhere, we're the right call.