New to Mobile Home Living in Texas? Here’s What You Need to Know About Insurance

Moving to a mobile or manufactured home in Texas may involve considerations different from those for traditional houses. Poole Insurance Agency can explain your options and help you choose coverage that fits your needs.

Understanding Mobile Home Insurance

Mobile home insurance, sometimes called manufactured home insurance, may cover your home, personal belongings and liability. While similar to traditional homeowners insurance, mobile home policies can address the specific needs of these homes.

What Are My Coverage Options?

Here are some important mobile home coverage types to keep in mind:

• Personal property coverage may apply to your belongings inside the home, such as furniture, electronics and clothing.
• Dwelling coverage may cover the structure of your mobile home against covered perils such as fire, wind, hail and vandalism.
• Liability coverage may help cover legal expenses if someone is injured on your property or if you accidentally cause damage to others’ property.
• Additional living expenses coverage may pay for temporary housing if your mobile home becomes uninhabitable due to a covered loss.
• Optional coverage may include coverage for detached structures, water backup or increased limits for valuables.

Who Needs This Policy?

If your mobile or manufactured home is financed, your lender may require insurance until the loan is paid off. Many mobile home communities also require coverage as part of their residency rules. Even when it is not required, carrying insurance is still recommended to help you manage potential costs from covered losses.

Get Started Today

At Poole Insurance Agency, we help new mobile homeowners in Texas find the right coverage for their needs and budget. Contact us to get a free custom quote and for more details.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.