Your Type of Property
Manufactured, Modular and Tiny Home Insurance
Short answer
Do not assume manufactured, modular and tiny homes qualify for the same insurance. Give the agent the home's construction documents, year, foundation, anchoring details and actual use. Ask which policy form fits, whether transport or time away from the site is addressed, and how additions and belongings would be covered. Availability depends on the property and insurer.
Free Quote by Phone
Insuring a manufactured or factory-built home?
Call to request a free quote. A licensed agent can ask about the home type, year, foundation and location and tell you which policy options may be available.
- Free quote
- Licensed agents
- By phone, no online forms
This line is for new or replacement coverage quotes. For an existing claim, contact your current insurer; in an emergency, call 911 first.
We work with local licensed home insurance agents and connect your call with an agent.
At a glance
- Ask the agent to verify the home's classification from its documents, not a listing label.
- Tie-downs, foundation, age and location affect eligibility and price.
- Ask about replacement cost vs. actual cash value, flood and windstorm.
- If two insurers decline in Texas, the Texas FAIR Plan may be an option.
On this page
The Texas Department of Insurance’s manufactured-home guide says you have options and suggests working with an independent agent, who can shop several companies for you.
Three kinds of factory-built homes
| Description you were given | Documents and details to provide | Question for the agent |
|---|---|---|
| Manufactured or mobile home | Data plate or certification documents, title, installation and anchoring records | Does this need a manufactured-home policy, and what installation evidence is required? |
| Modular home | Construction and approval documents, foundation details and completion records | How does this insurer classify the home, and which homeowners or specialty form applies? |
| Tiny home | Size, construction documents, wheels or foundation, location and actual use | Is the proposed form appropriate for both the home and how you occupy or move it? |
Insurers set their own eligibility rules, so the label on a listing isn’t enough. Have the data plate, title or deed and foundation details available.
Questions TDI suggests asking
- How much coverage do I need for the home and personal property?
- Should I get replacement cost or actual cash value coverage?
- What discounts do you have?
- Do I need other coverages, such as flood or windstorm?
What affects eligibility and price
- Year built and condition.
- Foundation and tie-down or anchoring system.
- Location, including flood and wind exposure.
- Whether you own the land or rent a lot in a community.
- Additions, porches, skirting and carports.
Flood and wind
TDI notes flood insurance is separate from your home policy and that on the Texas Gulf Coast you probably need a separate windstorm policy. See flooding.
If you can’t find coverage
In Texas, TDI says you may get coverage through the Texas FAIR Plan Association if two companies have turned you down. Other states have different residual-market options. See what if no one will insure my home and the mobile home insurance guide.
By phone
What happens when you call
A conversation lets the agent ask about your specific home instead of relying on a generic online estimate. There are no online forms to fill out.
Describe your home
Share the address, size, age, construction, and roof or system updates. You do not need every detail to start.
Talk through coverage
Explain what you want covered and ask about limits, deductibles, and exclusions that apply to your property.
Compare and decide
Ask for the written quote terms and compare them before deciding. A call or a quote does not start coverage.
Sources and how this page was checked
Page updatedThis page is general information written from the public sources below. It has not been reviewed by an insurance company, attorney or licensed agent for your situation. Your policy form, endorsements, insurer and state rules decide what is covered.
Sources
- Texas Department of Insurance — How to get insurance for a manufactured homeRetrieved and reviewed October 25, 2026 for manufactured-home shopping questions and residual-market options; Texas FAIR Plan eligibility is Texas-specific.
- Texas Department of Insurance — Home insurance guideRetrieved and reviewed October 14, 2026. Texas consumer guidance; used for general policy concepts, with Texas-specific examples identified rather than generalized.
- California Department of Insurance — Residential Insurance: Homeowners and Renters (Form 401, rev. January 2026)Retrieved and reviewed October 25, 2026 for Coverage A–F descriptions, special limits on valuables, renters and condo coverage, dwelling limits based on rebuilding cost rather than market value, actual cash value, guaranteed and limited/extended replacement cost, building code upgrade (ordinance or law) coverage, inflation guard, FAIR Plan, surplus lines and binder/quote definitions. California rules (notice periods, broker fees, CA-specific laws) are not generalized nationally.
Before you rely on this page
- Read your declarations page, policy form and every endorsement; they control over any summary.
- Ask the insurer or agent to confirm limits, deductibles and exclusions in writing before you buy or cancel coverage.
- For state rules, deadlines or complaints, check your state insurance department directly.