The 2010 U.S. Census reports that mobile homes account for about 1 percent of total housing in Houston, the largest Texas city. That is a huge amount of manufactured housing, and it does not include rural and suburban areas that are considered part of the greater metropolitan area. Whether your home is located in the city or a suburb, you can find Houston, TX mobile home insurance right in town.
An independent agent in the Trusted Choice® network has an office near you and can show you a variety of coverage choices from several companies. Contact a Trusted Choice member agent today to get personalized information about Houston mobile home insurance rates and plans.
Mobile homes tend to cost as much or more to insure as site-built houses because the light materials used in construction make manufactured homes more vulnerable to storm and fire.
Houston mobile home insurance companies consider more than a house’s value when they determine your premium. Other factors, like the home’s condition, age, location and your personal risk factors also play a part.
Manufactured houses provide residents an affordable and convenient alternative to traditionally constructed houses. Manufactured houses are less expensive and can be quicker to build. However, the quick assembly and lightweight materials may raise your risk of damage from wind, rain, fire and burglary. An independent agent can help you find coverage specially suited to the unique risks and benefits of mobile home ownership in your area.
Manufactured and mobile homes are essentially the same. They are houses that are put together in a factory and then shipped to a home site. Modular homes are different because they are constructed on a site from pre-built parts. Insurers may consider modular homes less risky because they are constructed of heavier materials on a foundation. Modular homeowners often purchase coverage similar to typical homeowners policies. A local agent can discuss your home with you to help you choose the right kind of insurance for your situation.
A basic Houston mobile home policy provides several types of coverage in one convenient package and, depending on your needs, can also have special riders and additions such as in-home business insurance and umbrella policies. The following are typical forms of mobile home coverage you may need:
There may be other types of coverage you need for more complete protection. For example, typical home policies do not include flood insurance coverage from the National Flood Insurance Program. In some parts of Harris County, residents must also purchase separate windstorm insurance. A local agent can help you choose the right coverage for your exact location.
Finding the right coverage at the right price can take time and effort. A member agent in the Trusted Choice network can offer you honest advice and free rate quotes.