What to Know Before Buying a Manufactured or Mobile Home in Texas

Purchasing a manufactured or mobile home in Texas is an exciting step toward affordable homeownership—but it also comes with unique considerations that differ from traditional homes. Whether you’re a first-time buyer or downsizing, it’s important to understand everything from property classification to insurance coverage before making your move.

At TGH Insurance, we specialize in helping Texas homeowners protect what matters most. Here’s your guide to buying and insuring a mobile or manufactured home the smart way.

  Mobile vs. Manufactured Homes: What’s the Difference?

While the terms are often used interchangeably, there’s a legal distinction:

  • Mobile Home: Built before June 15, 1976, and not subject to HUD standards.
  • Manufactured Home: Built after that date and must meet federal HUD building and safety standards.

Most homes today fall under the “manufactured” category, but understanding this difference is key—especially when it comes to financing and insuring your home.

  Top Considerations Before You Buy

1. Location & Zoning Laws

  • Confirm the property is zoned for manufactured homes.
  • Check for local restrictions in subdivisions or cities (HOAs, setbacks, etc.).

2. Ownership: Land vs. Lease

  • Do you own the land? If yes, you may qualify for more traditional financing and insurance.
  • Leased lot? You’ll likely need a different insurance policy and be subject to park rules.

3. Foundation Matters

  • Homes on permanent foundations are often treated more like site-built homes for financing and insurance.
  • Skirted or non-permanent homes may have coverage limitations.

4. Wind & Weather Risks in Texas

Texas weather is unpredictable—from hurricanes near the coast to hail in the Hill Country. Make sure your insurance policy addresses windstorm, hail, and flood risks.

Why You Need Manufactured Home Insurance in Texas

Texas law doesn’t require homeowners insurance, but if you have a mortgage or loan, your lender will. And even if you don’t, protecting your investment is a smart move.

What a Standard Manufactured Home Insurance Policy Covers:

  • Dwelling coverage: Protects the structure against fire, weather, and other covered perils.
  • Personal property: Covers your belongings inside the home.
  • Liability protection: If someone is injured on your property.
  • Additional living expenses: If your home is damaged and uninhabitable.

How TGH Insurance Helps You Save

At TGH Insurance, we shop multiple carriers to find the best coverage and pricing for your unique situation—whether you:

  • Own the land
  • Rent space in a mobile home park
  • Are living in a single-wide or double-wide
  • Need bundled coverage for home and auto

We don’t believe in one-size-fits-all. Our goal is to match you with a policy that protects your investment without overpaying.

 FAQs About Manufactured Home Insurance in Texas

How much does manufactured home insurance cost in Texas?

It varies, but you can expect to pay between $600–$1,200 per year depending on location, home value, age, and coverage needs.

Do I need flood insurance for a manufactured home?

If you live in a flood-prone area, flood insurance is highly recommended and sometimes required by your lender. Standard policies don’t cover flood damage.

Can I get discounts?

Yes! TGH Insurance offers discounts for:

  • Security systems
  • Multi-policy bundles
  • Newer homes
  • Retired homeowners

Get a Fast, Free Manufactured Home Insurance Quote Today

Ready to protect your manufactured or mobile home in Texas? TGH Insurance makes it easy. Our team of local experts is here to walk you through your options, compare top-rated carriers, and make sure your home and family are fully covered.

 Click here to request a quote now.

Have Questions? Call Us Today

We’re more than just insurance agents—we’re your neighbors. Give us a call at (936) 465 – 9981 or stop by our Willis, Texas office to speak with a licensed agent who understands the unique needs of mobile homeowners in Texas.

Final Thoughts

Owning a manufactured or mobile home is a great way to enjoy affordable, flexible living in Texas—but don’t cut corners on protecting that investment. With the right insurance policy and a trusted local advisor like TGH Insurance, you can enjoy peace of mind and full financial protection.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at TGH Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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