Mobile Home Insurance in Katy, TX

Like a traditional home, a mobile home needs an insurance policy to financially protect the home and its contents. This coverage is important if you’re financing your mobile home, as lenders will most likely mandate insurance coverage. Many mobile home communities also require that residents carry insurance.

What Is Mobile Home Insurance? 

Mobile home insurance is a type of property insurance that may cover mobile or manufactured homes. It may provide financial assistance similar to traditional homeowners insurance but is tailored to the specific needs of mobile homes. It may cover physical damage to the house, personal belongings inside and liability protection in case someone is injured on your property. With the right mobile home insurance policy, you won’t be left to cover repair or replacement costs on your own.

What Does It Cover?

Mobile home insurance may cover a range of scenarios, including fire, windstorm, theft and vandalism. It typically offers coverage for the following:

• Dwelling coverage may cover the structure of your mobile home if it’s damaged due to a covered loss.

• Personal property coverage may pay to replace or repair clothing, furniture, electronics and other possessions.

• Liability protection may cover legal expenses and medical costs if someone is injured on your property.

Remember that mobile home insurance generally does not cover flood or earthquake damage, so if you live in a flood- or earthquake-prone area, ask for those separate coverages.

How Much Is Mobile Home Insurance?

The cost of mobile home insurance can vary based on the following factors:

• The value of your mobile home

• Location

• Coverage limits

• Deductible

• Claims history

Many insurers offer discounts on mobile home insurance, such as bundling it with another policy like auto insurance. You can also receive discounts for installing protective devices such as home security systems and smoke alarms.

Contact Us

Ensure you have adequate coverage with the right insurance policy. Contact TS Insurance today to discuss your mobile home insurance options.