Best Mobile Home Insurance in Texas (Top 10 Companies Ranked for 2025)

Our Top 10 Company Picks: Best Mobile Home Insurance in Texas

Continue reading to discover further details regarding insurance prerequisites for mobile homes, available insurance choices for mobile homes, and insurers offering coverage for Texas mobile homes. Explore more by entering your ZIP code below.

#1 – State Farm: Top Overall Pick

Pros

• Customized Policies: State Farm crafts policies to address the unique needs of individual homeowners.
• Competitive Pricing: State Farm provides cost-effective rates, ensuring homeowners receive value for their investment.
• Extensive Protection: As highlighted in our State Farm insurance review, State Farm offers comprehensive coverage options for various risks.

Cons

• Restricted Accessibility: State Farm’s services may not be readily available in all geographic areas.
• Possible Premium Escalation: Over time, premiums with State Farm may increase, impacting affordability.

#2 – Travelers: Best for Safety Features

Pros

• Diverse Discounts: Travelers offers various discount opportunities to help homeowners potentially save money.
• Expanded Coverage: Travelers provides additional safeguards like identity theft protection and coverage for green homes.
• Tailored Policies: Travelers customizes policies to address the specific needs and preferences of homeowners.

Cons

• Service Challenges: Some clients have expressed discontent with Travelers’ service, particularly regarding claims processing.
• Coverage Limitations: According to our assessment in the Travelers insurance review, Travelers may not extend coverage to all geographical areas.

#3 – Progressive: Best for Roadside Assistance

Pros

• Comprehensive Protection: Progressive provides a wide range of coverage options to safeguard against various risks.
• Bundling Benefits: Progressive offers discounts for combining home and auto insurance policies, potentially reducing overall costs.
• Tailored Solutions: Progressive personalizes policies to align with the unique needs and preferences of homeowners.

Cons

• Availability Constraints: Progressive’s coverage may not be available in all regions, restricting choices for homeowners.
• Customer Service Issues: As outlined in our Progressive insurance review, certain customers have expressed dissatisfaction with the level of service provided.

#4 – Farmers: Best for Group Discounts

Pros

• Discount Opportunities: Farmers presents a range of discounts that could lead to lower premiums for homeowners.
• Supplementary Protections: Farmers extends coverage options beyond the basics, including features like identity theft protection and equipment breakdown coverage.
• Efficient Claims Management: Farmers is commended for its prompt and effective handling of insurance claims.

Cons

• Elevated Expenses: Certain homeowners might perceive Farmers’ premiums as being higher than those offered by competing insurers.
• Restricted Accessibility: Farmers’ coverage options may be limited for certain homeowners, as detailed in our comprehensive Farmers insurance review.

#5 – Allstate: Best for UBI Program

Pros

• Discount Possibilities: Allstate offers a variety of discount options, potentially resulting in lower premiums for policyholders.
• Comprehensive Coverage: Allstate provides an array of coverage options to safeguard against various risks.
• Convenient Mobile App: Allstate’s mobile application provides easy access to policy details and facilitates filing claims.

Cons

• Elevated Premiums: Allstate’s insurance premiums may exceed those of other insurers, as outlined in our detailed Allstate insurance review.
• Geographical Limitations: Allstate’s services may not be available in all regions, thus limiting homeowners’ options for coverage.

#6 – AAA: Best for Teens

Pros

• Tailored Policies: AAA tailors policies to align with the specific needs of homeowners.
• Discount Options: AAA provides a range of discount opportunities, enabling homeowners to reduce their premium costs.
• Efficient Claims Handling: AAA is recognized for its prompt and effective processing of claims.

Cons

• Limitations: AAA’s services may not be accessible in all geographical areas. For detailed information on availability, refer to our AAA insurance review.
• Possible Increased Premiums: Certain homeowners might discover that AAA’s premiums are higher when compared to those offered by other insurance providers.

#7 – USAA: Best for Military Savings

Pros

• Package Discounts: USAA offers savings for bundling policies, potentially lowering expenses. Refer to our USAA insurance review for further information.
• Comprehensive Protection: USAA provides a range of options to shield homeowners from diverse risks.
• Supplementary Safeguards: USAA offers additional coverage options such as identity theft protection and flood insurance.

Cons

• Customer Service Concerns: Some clients have voiced dissatisfaction with the quality of service provided by USAA.
• Restricted Discount Variety: USAA’s range of discounts may not be as wide-ranging as those offered by other insurance companies.

#8 – Geico: Best for Low Deductibles

Pros

• Personalized Coverage: Geico tailors policies to suit the specific requirements of homeowners.
• Financial Stability: Geico demonstrates robust financial ratings, ensuring stability and security.
• Prompt Claims Processing: Geico is recognized for its efficiency and responsiveness in handling claims. For more details on their efficiency, refer to our Geico insurance review.

Cons

• Limited Availability: Geico’s coverage may not be accessible in all regions, thereby restricting options for homeowners.
• Potential Increased Expenses: Some homeowners might perceive Geico’s premiums to be higher than those offered by competitors.

#9 – American Family: Best for Discount Availability

Pros

• Bundle Discounts: American Family offers savings when bundling home and auto policies together.
• Round-the-Clock Assistance: American Family ensures support is available 24/7 for claims and inquiries.
• Convenient Comparison: American Family simplifies the process of comparing quotes from various insurers.

Cons

• Customer Service Issues: Some customers have reported concerns with the quality of American Family’s customer service. See more in our American Family insurance review.
• Coverage Limitations: American Family might have fewer coverage options available compared to its competitors.

#10 – Liberty Mutual: Best for 24/7 Support

Pros

• Bundle Savings: Liberty Mutual provides discounts for combining home and auto policies.
• Financial Stability: As highlighted in our Liberty Mutual insurance review, the company maintains robust financial ratings for claims security.
• Continuous Support: Liberty Mutual offers 24/7 assistance for claims processing.

Cons

• Discount Constraints: Certain homeowners may perceive Liberty Mutual’s discount offerings as limited.
• Customer Service Concerns: Some clients have voiced dissatisfaction with the quality of Liberty Mutual’s customer service.

Companies That Provide Affordable Texas Mobile Home Insurance

Requirements for Insuring a Mobile Home in Texas

Options for Insuring a Manufactured Home in Texas

Case Studies: Affordable Texas Mobile Home Insurance

In these case studies, individuals in Texas sought insurance solutions for their mobile homes, emphasizing the importance of tailored coverage.

• Case Study 1 – Comprehensive Coverage: John secured comprehensive mobile home insurance in Texas, covering dwelling, personal property, liability, and living expenses, ensuring peace of mind.
• Case Study 2 – Wind and Hail Protection: Sarah, residing in a coastal Texas area prone to wind and hail, secured affordable insurance covering these risks by comparing private insurers and TWIA quotes, addressing her specific needs effectively.
• Case Study 3 – Liability Coverage and Legal Requirements: Mark, a Texas mobile home owner, secured liability coverage meeting state requirements, ensuring legal compliance and financial security.

The Bottom Line on Affordable Texas Mobile Home Insurance

While not mandatory, mobile home insurance is a smart investment, especially for those vulnerable to natural disasters or other hazards. In Texas, there are affordable options available for both new and older mobile homes. Use our free quote tool and know what a typical homeowner insurance policy covers. Enter your ZIP code now.