Mobile Home Insurance in New Braunfels, TX
Mobile homes can provide all the same comforts as traditionally constructed homes. These residences may also be subject to many of the same risks and exposures. If you own a mobile home or are considering purchasing one, you need an adequate insurance policy to serve as financial protection against the unexpected.
What Kind of Insurance Do You Need for a Mobile Home? 
Also known as manufactured home insurance, mobile home coverage often consists of many of the same components and features as standard homeowners policies that might be purchased for a house built on-site. This type of insurance is typically not required by law; however, if you’ve purchased your residence using a mortgage, your lender is likely to require you to maintain coverage for the duration of your loan. Furthermore, mobile home parks may also require proof of insurance before allowing you to live on location.
What Does Mobile Home Insurance Cover?
Mobile home policies can provide multifaceted financial protection for your home, property and financial interests. While exact details may vary, your coverage may provide aid in response to losses involving the following:
- Structures, including your mobile home itself, as well as additional buildings on your lot, such as garages and sheds
- Personal property, including the contents of your home, such as furniture, electronics, appliances and clothing
- Personal liabilities, such as if you or a family member are at fault for another party’s bodily injuries or property damage
- Additional living expenses, such as if your mobile home is temporarily uninhabitable and you must stay in a hotel or eat at restaurants
How Much Does Mobile Home Insurance Cost?
When assessing your coverage needs and providing you with an accurate mobile home insurance quote, insurers must assess your risk levels and analyze your unique circumstances. While exact criterion may vary among insurance companies, insurance premiums in Texas may often be based on the following:
- Location
- Structural details (e.g., age, condition and building materials)
- Estimated rebuild or replacement cost
- Value of insured possessions
- Personal liabilities (e.g., pets, swimming pools and firepits)
- Prior claims history
- Policy details (e.g., endorsements, coverage limits and deductibles)
How to Get Mobile Home Insurance
At Primero Insurance, we are well-equipped to help mobile homeowners in the New Braunfels, San Antonio, Austin, Sequin and San Marcos areas understand their insurance needs and options. Contact us today to learn more or to get a personalized insurance quote.