Park Model Insurance in Texas — Coverage That Fits the Way You Actually Live

A park model isn't a travel trailer. It isn't a manufactured home. It sits in a category of its own, and most standard insurance policies treat it like a problem they'd rather not solve. We specialize in getting it right.

What Park Model Insurance Actually Covers

Park model insurance is a homeowner-style policy written specifically for park model homes — those compact, semi-permanent structures typically 400 square feet or under that are set up in communities and not moved from season to season. Because park models are classified as RVs by the federal government but used as residences, they fall into a coverage gap that generic RV policies and standard homeowners policies both handle poorly.

A park model homeowner policy through our agency can include:

• Dwelling coverage for the structure itself, including attached additions and screened rooms
• Personal property coverage for furniture, appliances, and belongings inside
• Liability protection if someone is injured on your property
• Loss of use coverage if your park model becomes uninhabitable after a covered loss
• Windstorm and hurricane coverage appropriate for south Texas exposure
• Vacancy and seasonal provisions for owners who are present only part of the year

We represent every carrier licensed to write park model insurance in Texas, which means we're finding the right fit for your situation — not fitting your situation into whatever one carrier will accept.

Why Park Model Coverage Is Different from Manufactured Home Insurance

The distinction matters more than most people realize, and getting it wrong can leave you underinsured or paying for coverage that doesn't apply to your property.

Park models are built to ANSI A119.5 standards and carry an RVIA seal. Manufactured homes are built to HUD code. Lenders, carriers, and county assessors treat them differently — and so do insurance underwriters. A policy written for a manufactured home may not respond correctly when a park model is the structure involved.

If you own a manufactured home, we cover those too. The coverage structures overlap in some areas but differ in the details that matter at claim time.

Seasonal Coverage for Winter Texans Who Own Park Models

A significant share of park model owners in south Texas are Winter Texans — retired adults from northern states who spend the season in one of the roughly 260 preferred park communities across the Rio Grande Valley and surrounding areas. Their coverage needs are different from a year-round primary residence, and the policy has to reflect that.

Seasonal park model insurance accounts for the months you're present, the months the property sits vacant, and the specific risks that come with a coastal and subtropical climate. Windstorm exposure, humidity-related concerns, and the liability questions that come with community living all factor into how a policy should be written.

We work in these communities directly. Kirk presents at parks across south Texas, and our staff knows the landscape — both literally and in terms of how carriers evaluate risk in this region. If you've heard about us from a neighbor at the 4 o'clock happy hour, you're already in the right place.

What Sets Our Park Model Policies Apart

We've been placing manufactured housing and park model insurance in Texas for more than 35 years. Before building this agency, our principal spent years working inside three of the major specialty carriers — American Modern, Foremost, and Standard — and came away with a clear understanding of how underwriters evaluate risk and what inputs drive rates up or down.

That background shapes how we quote every policy. Accurate information submitted to the right carrier produces better outcomes. Inaccurate or incomplete submissions produce coverage gaps and claim problems. We take the time to get the inputs right.

• 35+ years specializing in manufactured housing and park model insurance
  
• Former insider at American Modern, Foremost, and Standard carriers
  
• Access to every carrier licensed to write park model coverage in Texas
  
• Bilingual staff — English and Spanish spoken fluently
  
• Long-tenured team; when you call back, you reach the same person

Served as Executive Director and Chairman of the Texas Manufactured Housing Association

Park Model Insurance Questions We Hear Often

Ready to Get Your Park Model Covered Correctly?

Getting a quote takes a few minutes, and you'll be working with a team that has placed this specific type of coverage for decades. Reach out by phone or submit a quote request and we'll be in touch.