Helping you save big on your Mobile Home Insurance!
Ensure your mobile home is protected against any circumstances with the right insurance coverage.
Give us a call today!
We have access to 100+ leading carriers in Texas to find the best insurance for your manufactured or mobile home.
“Richey Insurance Agency works for you, not just one insurance agency!”
Mobile home insurance, often referred to as an HO-7 policy, includes six primary coverages similar to standard home insurance:
| Coverage Type | What It Protects |
|---|---|
| Dwelling | Repairs or rebuilds the home after covered damage. |
| Other Structures | Detached structures like sheds, fences, or carports. |
| Personal Property | Belongings inside the home, such as furniture and electronics. |
| Liability Protection | Covers legal expenses if someone is injured on your property. |
| Medical Payments | Helps with medical bills for minor injuries on the property. |
| Additional Living Expenses (ALE) | Covers temporary housing costs if your home becomes unlivable. |
A well-structured policy helps protect your investment against unpredictable risks.
Texas does not mandate mobile home insurance, but certain circumstances may require coverage:
Mortgage Requirements – Lenders usually require insurance until the loan is fully paid.
Park & Community Rules – Many mobile home communities include insurance as part of rental agreements.
Personal Financial Protection – Paying out of pocket for repairs after a fire, storm, or liability claim could be costly.
Owning a home comes with risks, and an insurance policy can help prevent unexpected financial setbacks.
Yes. Policies are available for homes of all ages, makes, and models. Some insurers may have restrictions, but coverage options exist for most properties.
Trampolines can increase liability risks, but many policies still provide protection. Some plans may require an added endorsement to cover injury claims related to trampoline use.
Yes. Many policies allow for customization, so specific coverages can be added or removed based on individual needs.
Yes. Coverage extends to personal belongings inside the home, such as appliances, furniture, and clothing. Additional protection may be available for high-value items.
Yes, several discounts may help lower your premium:
Speaking with our agent can help determine which discounts apply to your policy.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
