Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published August 7, 2026 · Updated October 1, 2026

Can you get insurance on a mobile or manufactured home in Texas?

Shopping for coverage on a mobile or manufactured home in Texas can be confusing, because the policy involved may have a different name from the one on a site-built house.

The short version. If you need homeowners insurance for a manufactured home in Texas, the Texas Department of Insurance (TDI) says in How to get insurance for a manufactured home that you have options. TDI's fire, smoke, and explosion FAQ says mobile homes are insured under various types of policies and that most are insured under a mobilowners policy.

Here's what we'll cover: the kind of policy involved and what TDI says it covers, who may require you to carry it, the questions TDI suggests asking, how the Texas FAIR Plan fits in, and what TDI says about wind and flood.

What kind of policy covers a mobile home in Texas?

A mobile home in Texas may be insured on a homeowners policy or on a separate form called a mobilowners policy. TDI's Frequently Asked Questions about Fire/Smoke/Explosion Damage answers the question this way:

"Mobile homes are insured under various types of policies, including a homeowners policy. However, most mobile homes are insured under a mobilowners policy."

The same answer tells readers to check with their agent or company to see what type of policy they have. In practice, that means the name on the policy is worth confirming before you compare two offers, because the terms you are comparing are the terms of that specific form.

On what the policy covers, TDI's Home insurance guide gives a one-line description: "Mobile home insurance covers the mobile home, your personal property, and additional living expenses. It also provides liability coverage."

The FAQ adds detail, with qualifiers. Damage from fire, smoke, or an explosion are typically covered perils under a mobilowners policy, it says, subject to the limitations of the particular policy. It also says most mobilowners policies will pay some additional living expenses if the mobile home is destroyed or damaged by a peril the policy covers. The FAQ carries a general note that coverage varies by company and by policy, so your own policy document is the place to check what applies to you.

Who actually requires it

On who requires insurance, the closest TDI statement is in its Home insurance guide, which is written about home insurance in Texas in general and not mobile or manufactured homes specifically. That guide says:

"The law doesn't require you to have home insurance. But if you still owe money on your home, your lender will require you to have it."

The guide goes on to call home insurance a good idea even where it is not required, because it helps protect your home and other assets. If your home is financed, your loan paperwork or your lender can tell you what coverage the lender expects.

If you rent the lot your home sits on, the lot lease is a separate contract and may include its own insurance terms. The TDI pages cited in this guide do not address lot leases, so this is general explanation only. Reading the lease before you shop can help you check that a policy fits it.

What to ask when you shop

TDI's page on manufactured home insurance lists questions to put to a company when you shop. How to get insurance for a manufactured home suggests asking how much coverage you need for your house and personal property, whether to get replacement cost or actual cash value coverage, what discounts the company has, and whether you need other coverages such as flood or windstorm.

The replacement cost question is explained in TDI's Home insurance guide, which describes home policies in general. The guide says replacement cost coverage pays to repair or replace your house and personal property at current prices, while actual cash value coverage pays replacement cost minus depreciation. The guide's own advice for home policies is to make sure your policy has replacement cost coverage. Which of the two a mobile home policy provides is something to confirm in the quote or the policy itself.

On how to shop, the same manufactured home page says independent agents sell insurance for several companies and that it might be easier to ask them to shop for you. Asking each company the same questions makes the answers easier to compare.

If you can't find a company: what TDI says about the Texas FAIR Plan

The Texas FAIR Plan Association is an option TDI points to for a manufactured home owner who can't find a company to sell a policy. Its manufactured home page says you might be able to get coverage through the FAIR Plan in that situation, and Other ways to get auto, home, and wind insurance in Texas lists manufactured homes among the home types an owner can apply for. That page sets out the condition:

"To get a policy, you must have been turned down by two insurance companies. You won't qualify if a company has offered you a policy or renewal."

The FAIR Plan's own Coverage & Eligibility page words it more narrowly. It says applicants must have been denied coverage by at least two insurance companies licensed to write and actually writing property insurance in Texas. It also says an applicant is not eligible with a current homeowners or other property policy, a renewal offer, or a valid offer of comparable property insurance from an insurance company licensed in Texas.

Three more points from the FAIR Plan's page are useful to know before you apply. Applications go through an agent, because the FAIR Plan does not sell policies directly to the public. Applications are subject to its underwriting guidelines. A policyholder must reapply for coverage in the voluntary market every two years. The page also links to the FAIR Plan's proof of declination requirements, so a written record of each turndown can be useful to have on hand.

What the Texas FAIR Plan says about mobile homes

The Texas FAIR Plan's eligibility page names mobile homes directly. On its Coverage & Eligibility page, the list of reasons an applicant may be denied coverage includes this line:

"Mobile home, unless the wheels are removed and the mobile home is tied down."

That line describes the physical state of the home, so it is something you can check before an application is made. The page does not say that a home with the wheels removed and tied down will be accepted. The same list includes other reasons, such as property in disrepair or with existing damage and vacant property, and applications remain subject to the FAIR Plan's underwriting guidelines.

The FAIR Plan also describes its coverage as limited. Its Coverage & Eligibility page says coverage available through the FAIR Plan is not as comprehensive as coverage available through the voluntary market. The perils the page lists as not covered include falling trees, limbs, or objects, collapse of a building, breakage of glass, damage from the weight of ice, snow, or sleet, freezing of plumbing, mold remediation, and back up of sewer or drains. The page also lists sudden and accidental discharge of water or steam, with a note that a limited coverage endorsement may be added to its homeowners, tenant, and condominium policy forms for an additional premium charge. Reading that list against your own home's risks can help you see what a FAIR Plan policy would leave to you.

What TDI says about wind and flood coverage

Wind and flood coverage for a manufactured home in Texas may involve policies separate from the main one. Depending on where you live, you might need to buy coverage for floods or windstorms, according to TDI's manufactured home page.

Windstorm. On the same page, TDI says: "If you live on the Gulf Coast, you probably need a separate windstorm policy to cover damage from hurricanes or other storms." The agency's last-resort insurers page, which covers home insurance generally and does not say whether TWIA writes manufactured homes, says the Texas Windstorm Insurance Association (TWIA) sells wind and hail coverage for coastal residents who have been turned down by an insurance company. It says that, depending on where you live, you might need flood insurance before you can get a TWIA policy, and that you also might need a home inspection by an engineer or windstorm inspector. The page adds that TWIA won't sell you a policy if there's a hurricane on the way. The FAIR Plan's Coverage & Eligibility page says the FAIR Plan is not authorized to provide windstorm and hail insurance for properties eligible for TWIA coverage, so a person in the TWIA coverage area who qualifies for the FAIR Plan may have to carry both policies.

Flood. TDI's manufactured home page says: "Flood insurance is separate from your home policy." Most home policies don't cover damage caused by floods, and most flood policies have a 30-day waiting period before kicking in, according to the Home insurance guide, which is about home policies in general.

Timing matters for both. TDI's advice on the last-resort insurers page is not to wait until the last minute to buy wind and hail insurance.

What to do with this

These are steps you can take when insuring a mobile or manufactured home in Texas. They are Credify's own checklist; the sources are linked in the sections above.

• Confirm the policy type. Ask whether the policy you have or are being quoted is a homeowners policy or a mobilowners policy, and read its terms.
• Ask about replacement cost or actual cash value. It is one of the questions TDI's manufactured home page suggests putting to a company.
• Keep a written record of any turndown. The FAIR Plan's page asks for denial by at least two companies licensed to write and actually writing property insurance in Texas, and says an applicant with a current policy, a renewal offer, or a valid offer of comparable insurance is not eligible.
• Check the wheels and tie-down. The FAIR Plan's page lists a mobile home among the reasons an applicant may be denied coverage unless the wheels are removed and the home is tied down.
• Look at wind and flood separately. TDI's manufactured home page says that, depending on where you live, you might need to buy coverage for floods or windstorms.
• Read the lot lease if you rent the lot. It may have its own insurance terms.

Key facts

• TDI's fire, smoke, and explosion FAQ says mobile homes are insured under various types of policies, including a homeowners policy, and that most are insured under a mobilowners policy.
• Mobile home insurance covers the mobile home, personal property, and additional living expenses, and provides liability coverage, according to TDI's Home insurance guide. TDI's FAQ notes that coverage varies by company and by policy.
• TDI's Home insurance guide, writing about home insurance in general, says the law doesn't require you to have home insurance, but that your lender will require it if you still owe money on your home.
• An owner of a manufactured home can apply to the Texas FAIR Plan after being turned down by two insurance companies, and won't qualify if a company has offered a policy or renewal, according to TDI's Other ways to get auto, home, and wind insurance in Texas.
• The Texas FAIR Plan's Coverage & Eligibility page lists a mobile home among the reasons an applicant may be denied coverage, unless the wheels are removed and the mobile home is tied down.
• The same FAIR Plan page says its coverage is not as comprehensive as coverage available through the voluntary market.
• Flood insurance is separate from your home policy and, if you live on the Gulf Coast, you probably need a separate windstorm policy, according to TDI's How to get insurance for a manufactured home.

Sources: Texas Department of Insurance, How to get insurance for a manufactured home, Other ways to get auto, home, and wind insurance in Texas, Frequently Asked Questions about Fire/Smoke/Explosion Damage, and the Home insurance guide; Texas FAIR Plan Association, Coverage & Eligibility. This page is general information, not legal advice; what any policy pays depends on that policy's terms, limits, endorsements, and exclusions.

Take the next step

Before you shop for a mobile or manufactured home in Texas, it helps to know which policy type you are being quoted, what the lender or lot lease asks for, and how wind and flood would be handled. This guide describes what TDI and the Texas FAIR Plan publish and does not say what any carrier will write. For related reading, see how to choose home insurance in Texas, independent agency vs. direct, and what to do after a home insurance non-renewal in Texas.

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