Texas's Manufactured Home Insurance Specialists — For Every Season, Every County, Every Situation
Straight-shooting coverage from an agency that has spent 35 years inside this industry, working with every carrier licensed to write manufactured housing in Texas.
35 Years Specialty Experience
All TX-Licensed Carriers Represented
Bilingual Staff
English & Spanish
Former TMHA Executive Director & Chairman
In-Park Presentations Across South Texas
Coverage Built Around How You Actually Live
Manufactured home insurance in Texas isn't a one-size policy. Whether you're a year-round Texas resident, a Winter Texan settling into a south Texas park community for the season, or a retiree with a stationary fifth wheel tied down and skirted, the coverage structure changes — and so does the carrier that fits you best.
We represent every carrier licensed to write manufactured housing in Texas. That means we can shop your specific situation across the full market, not just the one or two carriers a captive agency can offer.
What We Cover
Manufactured Home Insurance
The core of what we do. HO-7 policies for manufactured and mobile homes across Texas — including older homes that standard carriers won't touch.
Park Model Insurance
Purpose-built coverage for park model homes in south Texas communities. Not a travel trailer policy — a real homeowner's policy for a real home.
Winter Texan Insurance
Seasonal policies designed for snowbirds who spend winters in the Rio Grande Valley. Vacancy provisions, seasonal timing, and carrier relationships that understand your situation.
Fifth Wheel & Stationary RV Insurance
If your fifth wheel is tied down, skirted, and parked permanently, it qualifies for a homeowner's policy — not a recreational vehicle policy. We write it the right way.
Additional Coverage
Auto, coastal homeowners, and umbrella policies for existing clients who want to consolidate coverage with an agency that already knows them.
Why Accuracy in Underwriting Is the Most Important Thing We Do
There's a principle that guides every quote we run: put bad information into an application, and you'll get a bad policy out the other end. That sounds simple. Most agencies don't follow it.
We built this agency on accurate underwriting — because a policy priced on the wrong inputs won't pay the way you expect it to when a claim hits. Before we quote, we ask the right questions. We've spent 35 years learning what carriers look for and how they evaluate risk, because our team came up from inside those carriers. That knowledge is what we bring to every client conversation.
- We've worked inside American Modern, Foremost, and Standard — three of the largest specialty manufactured housing carriers in the country
- We represent all carriers licensed to write manufactured home insurance in Texas
- We serve clients across Hidalgo County, Cameron County, Hays County, Guadalupe County, and Comal County
- Our staff is long-tenured — when you call back, you reach the same person
- Both agents are fluent in English and Spanish
How Much Does Manufactured Home Insurance Cost in Texas?
Manufactured home insurance in Texas typically runs between $400 and $1,200 per year, depending on the home's age, size, construction type, location, and the coverage limits you choose. Older homes, coastal locations, and higher-value homes will generally fall toward the upper end of that range.
The most accurate way to know what you'll pay is to get a quote built on your actual home and situation — not a generic estimate. We run quotes across every carrier in the Texas market to find the rate and coverage structure that fits.
Frequently Asked Questions
What types of homes does Mr. Mobile Home Insurance cover?
We cover manufactured homes, mobile homes, park models, and stationary fifth wheels across Texas. We do not write standard travel trailer or recreational vehicle policies — our focus is homes that are set, skirted, and lived in.
Do you write policies for older mobile homes?
Yes. Many carriers won't write coverage for homes built before 1976 or older double-wides, but we work with carriers that specialize in older manufactured housing. Coverage options and pricing will vary based on the home's condition and location.
Can Winter Texans get a policy that accounts for seasonal vacancy?
Yes — and this is one of the most important coverage details for snowbirds to get right. Standard homeowner's policies often include vacancy clauses that can void coverage after 30 or 60 days unoccupied. We write policies structured for seasonal use, so your home is covered during the months you're not there.
Do you serve clients outside of south Texas?
We write policies statewide within Texas. While our core market is the Rio Grande Valley — Hidalgo and Cameron counties — we also serve clients in Hays, Guadalupe, and Comal counties, and across the state for manufactured home and park model coverage.
How do I get a quote?
Submit our online quote form and we'll follow up directly, or call us and speak with a licensed agent. Both agents are bilingual — English and Spanish — and we're happy to walk you through the options.
What Neighbors Say
Do you only work with certain insurance companies?
No. As an independent agency, we’re not tied to any one carrier. That means we shop multiple options and recommend what’s actually best for you—not what’s best for them. This independence lets us focus on your needs instead of meeting a sales quota.
Can you help if I’m turning 65 and new to Medicare?
Yes. Medicare is complex, but we break it down step by step. We’ll help you understand your options for Original Medicare, Medicare Advantage, and Part D plans, and explain how to avoid penalties. Whether you want to keep your current doctors or need extra benefits, we’ll guide you every step of the way.
Do I have to pay for your services?
No. Our services are free to you because we’re compensated by insurance carriers when you enroll. But our commitment is to you—not them. We don’t push products; we focus on helping you make the right decision.
Can small businesses offer health insurance affordably?
Yes, and it’s often more doable than you think. We help business owners design benefits packages that balance cost and coverage, whether you’re a team of five or fifty. Offering group health doesn’t have to break your budget—we’ll show you smart options that work.
Do you work with clients outside your state?
Absolutely. We serve clients nationwide with virtual meetings and secure tools, so you get the same level of personal service no matter where you are.
Ready to Get Covered? Let's Find the Right Policy.
We've been doing this for 35 years across south Texas and beyond. Whether you're buying your first manufactured home, settling into a park community for the winter, or replacing a policy that no longer fits — we'll find the right coverage at the right price.
