How to Find the Best Manufactured Home Insurance in Texas

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Basis of Difference Modular Homes Mobile or Manufactured Homes
Building Codes Built to state and local building codes Built to Federal Housing and Urban Development code
Construction Built in sections or modules in a factory, then transported to the site where they are assembled Built entirely in the factory and transported to the site as a whole
Mobility Designed to be mobile and can be moved from one location to another, Not designed to be moved once they are assembled.
Foundations Placed on permanent foundations Can be placed on either permanent or temporary foundations.
Resale Value Higher resale value as they are built to the same building codes as site-built homes Comparatively less resale value
Customization Highly customizable Less customizations possible

Frequently Asked Questions

  • Is homeowners’ insurance on a manufactured home mandatory in Texas?

    Legally speaking, manufactured home insurance is not required in Texas. However, many mobile homeowners prefer getting one for safety, protection, and peace of mind.

  • Do you have to pay property tax on a manufactured home in Texas?

    Yes, manufactured homeowners must pay sales tax whether they get a new or pre-owned mobile home. It is also worth noting that mobile homes that are declared personal property are taxed separately from the land.

  • Why is homeowners’ insurance so expensive in Texas?

    Texas is the second most expensive state regarding homeowners’ insurance (the first being Oklahoma). Here are some reasons behind the high costs:

    • Prone to several disasters like hurricanes, tornadoes, and hailstorms
    • Second-most populous state in the US. As there are more homes to insure, insurance rates can drive up
    • Higher incidence of lawsuits related to property damage and liability claims
    • Construction costs are higher than the national average
    • Highly competitive insurance market in Texas


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