- Specialty market access
- Older homes, coastal, and rented lots welcome
Texas Mobile & Manufactured Home Insurance
If the standard market keeps telling you no, we're the right call.
Mobile home and manufactured home insurance is a different market than standard homeowners. Most big-name carriers don’t write it, especially for older homes, coastal Texas properties, or homes on rented lots. We work the specialty markets that specifically underwrite these homes.
- Homes as old as pre-HUD-Code (1976) considered
- Coastal Texas and higher-wind zones
- Both owned land and rented lots (parks)
- Non-renewed and prior-claim homes considered
🏡 Get your mobile home quote
Free, no obligation. Specialty markets available.
Trusted by Texas mobile home owners since 1983
Since 1983
Where standard carriers won't write
Gulf Coast placements welcome
Renewals, claims, questions
Why the standard market says no
A manufactured home isn't a stick-built home. The insurance market treats it accordingly.
Standard homeowners policies (HO-3) are designed for site-built homes on permanent foundations. Manufactured and mobile homes have different construction, different wind vulnerability, and different valuation methods, so they’re written on separate policy forms by carriers who specifically serve this market. Here’s why a standard homeowners policy usually isn’t available and what a proper mobile home policy handles instead.
- Standard HO-3 homeowners
Written for site-built homes
Assumes permanent foundation, conventional framing, and stick-built construction.
- Permanent foundation (slab, pier and beam, or basement)
- Conventional stick-built framing and construction
- Site-built roof structure and materials
- Property titled as real estate, not personal property
- Most carriers exclude manufactured homes from HO-3 policies entirely
- Wind and hail exposure assumptions don't match manufactured home construction
- Valuation methods don't reflect how manufactured homes depreciate
- Many carriers won't write mobile homes in coastal Texas regardless of age
- Specialty mobile home policy
Written specifically for manufactured homes
Designed around the construction, valuation, and risk profile that actually applies.
- The manufactured home itself, on its actual foundation type
- Attached improvements: decks, carports, skirting, awnings
- Personal property inside the home
- Personal liability for the homeowner
- Loss of use if the home is uninhabitable after a covered loss
- Wind, hail, fire, theft, and other covered perils built for this housing type
- Trip collision (damage during transport if the home is being moved)
- Replacement cost on the dwelling, when the home qualifies
- Coverage on homes in Texas coastal counties (with specialty markets)
The HUD Code year that changes what's placeable
Homes built before June 15, 1976 pre-date the HUD federal manufactured housing construction standards, and are technically “mobile homes” rather than “manufactured homes.” Many carriers won’t write pre-HUD-Code homes at all, and those that will typically use a narrower policy form and require additional underwriting. If your home is pre-1976, we specifically know which markets still consider it. Post-1976 homes have significantly broader carrier options.
What mobile home insurance covers
The core coverages in a standard mobile home policy.
Mobile home policies follow a familiar structure but with important differences from site-built homeowners coverage.
The Home Itself
The manufactured home structure, subject to the coverage limit and settlement method (replacement cost when available, actual cash value on older homes).
Attached Structures
Skirting, decks, carports, porches, awnings, and other structures attached to the home. Typically a percentage of the dwelling limit.
Personal Property
Belongings inside the home: furniture, electronics, clothing, appliances. Sub-limits apply to jewelry and other high-value items.
Personal Liability
Legal defense and settlement if you’re responsible for injuring someone or damaging their property, on or off the premises.
Loss of Use
Additional living expenses (hotel, meals) if a covered loss makes the home uninhabitable while repairs happen.
Trip Collision (optional)
Coverage for physical damage to the home while it’s being transported to a new location. Important when relocating.
Why work with Aimbest
Mobile home insurance is a placement problem, not a rate problem.
The hardest part of insuring a manufactured home in Texas isn’t the price, it’s finding a carrier who’ll write it at all. That’s especially true for older homes, coastal properties, non-renewals, and homes on rented lots. We work the specialty and surplus lines markets that specifically serve this housing type, so you’re not stuck cold-calling carriers who don’t quote it.
Markets that write mobile and manufactured homes as their core product.
Access to markets that will consider Texas Gulf Coast mobile homes.
Renewals, claims, and any coverage changes handled by the same person.
"Every big-name carrier told us no because our double-wide was from 1994 and near the coast. Aimbest had two specialty quotes within a week and explained exactly why the standard market wouldn't write us."
How it works
From quote request to bound policy, four steps.
Share your home’s year, size, and location. A Texas advisor reaches out.
Carriers who specifically write manufactured and mobile homes, matched to your home’s profile.
Side-by-side comparison of coverage, deductibles, and price with honest advice on tradeoffs.
Choose your policy. Same advisor handles renewals, address changes, and claims.
Common questions
Mobile home insurance, answered.
What's the difference between a mobile home and a manufactured home?
The legal distinction is the HUD Code effective date of June 15, 1976. Homes built before that date are technically “mobile homes,” pre-dating federal construction standards. Homes built on or after that date are “manufactured homes,” built to the HUD Code. Insurance carriers treat this distinction seriously: many will only write post-1976 homes, and even among those that will consider pre-1976 homes, the underwriting is stricter and coverage terms are typically narrower. In casual conversation people use “mobile home” for both, but the year matters for insurance.
Why do standard carriers refuse to write my mobile home?
Standard homeowners policies (HO-3) are structurally designed for site-built homes. Insurers who write HO-3 generally do not extend those policies to manufactured or mobile homes, because the construction, wind resistance, valuation methods, and risk profile are all meaningfully different. This isn’t personal to your home, it’s a market structure issue. Manufactured home coverage is written on separate policy forms by carriers who specifically underwrite that housing type. That’s why an independent broker helps: we know who those carriers are.
Does it matter if I own the land or rent the lot?
Yes. Homes on land you own tend to have more carrier options and sometimes better pricing, because the property is more typically titled as real estate. Homes on rented lots (in a mobile home park, on family land, on leased land) are still very insurable, but the market is narrower and coverage may look different. Tell us the situation up front so we shop the right carriers from the start.
Can you help if my mobile home is near the Texas coast?
Often yes. Coastal Texas mobile homes are one of the harder placements in the state because of hurricane and windstorm exposure. Many standard markets won’t consider them at all. We work with specialty carriers and, when needed, the Texas Windstorm Insurance Association (TWIA) as a companion market for the wind portion of coverage. Coastal placements often require multiple policies working together, and we structure that for you.
Do I need flood coverage on my mobile home?
Flood is excluded from mobile home policies just like it is from standard homeowners. Given the Texas flood risk profile, both in designated flood zones and outside them, flood coverage is worth discussing on any mobile home. NFIP and private flood markets both write coverage on manufactured homes, though the specific carrier availability and coverage limits vary. We handle both.
What if my mobile home has been non-renewed or dropped?
Send us your non-renewal letter and any recent claim history. Specialty and surplus lines carriers frequently write mobile homes that the standard market has dropped, and there’s usually a placement path available even after a claim. The specifics depend on your home’s age, location, claim type, and how long ago the claim was, but non-renewal is not the end of the road for coverage.
Related coverage
What pairs with mobile home insurance.
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The standard market said no. Let's find the ones that say yes.
Free quote, no obligation. Specialty carriers who specifically write manufactured and mobile homes in Texas.