Mobile Home INSURANCE
in Texas
Experience easy access to affordable, high-quality insurance at David King Insurance.
At David King Insurance, we understand that your home is more than just a place to live—it’s an investment, a sanctuary, and a significant part of your life. Whether you're residing in a mobile home or a manufactured home, ensuring you have the right coverage in place is crucial. Located in Texas, our agency specializes in providing tailored insurance solutions to meet the needs of homeowners in these unique housing types. We work with you to find the best coverage options that fit your lifestyle, your home, and your budget.
What Is Mobile Home Insurance?
Mobile home insurance, also known as manufactured home insurance, is a specialized form of coverage designed specifically for homes that are built in a factory and transported to their final location. Mobile homes are distinct from traditional stick-built homes, and their insurance needs often differ. This type of insurance typically covers both the structure of the home itself as well as the personal property inside.
At David King Insurance, we provide mobile home insurance policies that are flexible and customizable to suit your specific needs, ensuring you have the right protection for your home, whether it’s on a permanent foundation or a more temporary setup.
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"Exceptional Service with a Personal Touch"
"Unlike some insurance agencies where responsiveness seems to be, at least, secondary, Ms. Caperna is always available. The level of attention to requests, caring and professionalism has always been 5 Star and above! Always with a smile making you feel "at home"!
– Sharon Dundon
"Stress Free Insurance with a Caring Team"
"Beverly and everyone in the office is amazing! I highly recommend coming here for your insurance needs. They take the stress and hassle out of shopping for quotes and make you feel taken care of through the entire process whether it’s claims or quotes etc"
– Jacob Brown
"A Switch Worth Making!"
"After being with another very large insurance provider for over 25 years, I made the move to David King Insurance Services. My agent, Brady King, has been instrumental in finding the best insurance rates and policies since I switched. His level of customer service is truly unsurpassed. Thanks Brady!."
– Aly Lehmann
"15 Years of Exceptional Insurance Guidance and Service"
"I have received great advice, attention, and service from Beverly at David King Insurance for over 15 years. Their recommendations for our car and home insurance have been spot-on for our needs—from moving to a new city to college auto coverage in other states. I highly recommend their services."
– Sheryl Campbell
How Is Manufactured Home Insurance Different from Other Types of Home Insurance?
Manufactured home insurance is very similar to mobile home insurance but is tailored for homes that are built after June 15, 1976, when stricter building standards were introduced by the U.S. Department of Housing and Urban Development (HUD). These homes often have a different construction standard than older mobile homes, which is why they may require distinct coverage.
The key difference lies in the regulatory standards and the way homes are classified. While the terms “mobile home” and “manufactured home” are often used interchangeably, understanding these differences is important for getting the appropriate insurance coverage.
Our agents at David King Insurance can help you understand these differences and guide you in choosing the right insurance policy for your manufactured or mobile home in Texas.
Why Do You Need Mobile Home Insurance in Texas?
Texas is known for its unpredictable weather, including tornadoes, hurricanes, and hailstorms. Living in a mobile or manufactured home means that your property could be more vulnerable to damage during these extreme weather events. Mobile homes often lack the structural strength of traditional homes, which is why having specialized insurance coverage is essential for protecting your property and personal belongings.
Mobile home insurance helps cover repair costs in case of damage caused by natural disasters, vandalism, or accidents. It can also provide coverage for temporary living expenses if your home becomes uninhabitable due to covered damages. The risks specific to mobile homes are a major reason why having a tailored insurance policy is so important for homeowners in the Lone Star State.
What Coverage Options Are Available for Mobile Home Insurance?
When considering mobile home insurance, it’s crucial to know what types of coverage are available to you. While specific options may vary, the most common types of coverage for mobile and manufactured homes include:
Dwelling Coverage: This protects the structure of your mobile home from risks like fire, wind, and hail. It can also cover repairs or replacement costs if your home is damaged.
Personal Property Coverage: This helps protect your personal belongings inside your home, such as furniture, electronics, and clothing, from theft or damage.
Liability Coverage: If someone is injured while on your property, this coverage can help cover legal fees and medical expenses. It may also help if you accidentally cause damage to someone else’s property.
Additional Living Expenses (ALE): If your home is uninhabitable due to damage from a covered event, this coverage helps pay for temporary living arrangements.
David King Insurance works with top-rated providers to ensure that you have the most comprehensive coverage options available for your specific needs.
How Much Does Mobile Home Insurance Cost in Texas?
The cost of mobile home insurance can vary based on several factors, including the size of your home, its location, the coverage options you choose, and your claims history. On average, mobile home insurance policies in Texas tend to be more affordable than standard homeowners insurance, but prices can still vary widely.
Our agents at David King Insurance will work with you to understand your needs and help you find an affordable policy that provides the protection you require. We offer free, no-obligation quotes to ensure that you get the best value for your insurance coverage.
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Why Choose David King Insurance for Your Mobile Home Insurance Needs?
David King Insurance has been serving Texans for years, providing expert advice and customized insurance solutions. We understand the unique needs of mobile and manufactured home owners and work with you to ensure that you’re properly covered. Here are a few reasons to choose us:
Local Expertise: As a Texas-based agency, we understand the local risks and challenges homeowners face in the state.
Personalized Service: We take the time to get to know you and your home, so we can recommend the best coverage options for your situation.
Affordable Coverage: Our goal is to help you find the right insurance at a price that fits your budget.
Reputable Providers: We work with trusted insurance companies to offer you high-quality, reliable coverage.
When you choose David King Insurance, you’re choosing a team that cares about your home and your peace of mind.
Ready to Protect Your Mobile Home with David King Insurance?
At David King Insurance, we believe in offering honest, transparent service and are here to answer any questions you may have about mobile home insurance in Texas.
Your mobile home is a valuable asset, and ensuring it’s properly protected is essential for your peace of mind. Whether you’re looking for a comprehensive policy for your manufactured home or need help understanding your coverage options, David King Insurance is here to help. Contact us today to speak with an agent and get a customized insurance solution tailored to your needs.
For the best in mobile home and manufactured home insurance coverage in Texas, turn to the experts at David King Insurance. We look forward to helping you protect your home and your future.
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Company: 549 E Sandy Lake Rd #100, Coppell TX 75019
Phone: 1 972-393-3311
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