Coverage Built for the Way You Live
Manufactured homes give many Texas families an affordable and practical path to homeownership. But because builders construct them differently than traditional site-built homes, they often need insurance from carriers that understand manufactured housing.
At Hanby Insurance, we learn about your home, your property, and how you use it so we can help match you with coverage that fits your needs. Whether your manufactured home sits on land you own, in a community, or on a rented lot, we can help you understand your options and find a policy that matches your situation.
What Is Manufactured Home Insurance?
Manufactured home insurance, sometimes still called mobile home insurance, covers factory-built homes constructed on a permanent steel chassis. It can help protect your home, belongings, and financial responsibilities as a homeowner.
While it works similarly to a traditional homeowners insurance policy, insurance companies underwrite manufactured homes differently. They may consider details such as:
- The age and condition of the home
- Whether the home has proper tie-downs or anchors
- The type of foundation or skirting
- Whether the home sits on land you own or a rented lot
- Roof age and condition
- Any attached decks, porches, carports, or additions
- Prior claims and location-specific risks
Because every manufactured home has its own details, the right information up front helps us shop your coverage with the right market.
What Can Manufactured Home Insurance Cover?
A manufactured home policy may include several important types of protection:
Dwelling Coverage
Helps pay to repair or rebuild the manufactured home after a covered loss. Depending on the policy, this may include the main structure and certain built-in systems or attached components.
Personal Property Coverage
Helps protect your furniture, clothing, electronics, appliances, and other belongings inside the home.
Liability Protection
Helps cover legal expenses or medical costs if someone gets injured on your property and you are found responsible.
Additional Living Expenses
Helps with temporary housing and extra living costs if a covered claim makes your home unlivable.
Attached Structures
May cover attached features such as decks, porches, carports, awnings, or skirting.
Other Structures
May cover detached garages, storage buildings, barns, workshops, or sheds, depending on the policy and carrier.
Protection for North Texas Weather
Here in North Texas, manufactured homes face serious weather risks, including hail, high winds, heavy rain, and tornado activity. Proper tie-downs, anchoring, roof condition, and regular maintenance can all make a difference in both safety and insurance eligibility.
Our team understands the questions carriers ask and the details that matter. We can help you review your options and avoid relying on a policy that does not fit your type of home.
Why Work With Hanby Insurance?
Shopping for manufactured home insurance can feel frustrating because not every carrier writes these homes, and policies can vary widely. Hanby Insurance works with multiple insurance companies, including carriers that specialize in manufactured housing, such as Foremost, American Modern, Tower Hill, Germania, and many more, so we can help you compare options and find coverage that makes sense for your needs.
When you work with us, we can help you understand:
- What information we need to quote your home
- Which coverage options you may qualify for
- How deductibles apply
- Whether you need to list attached or detached structures
- How your home’s age, location, and setup may affect eligibility
- What steps may improve your insurance options
Get a Manufactured Home Insurance Quote
Your manufactured home deserves coverage that fits the way builders made it and the way you live in it. Hanby Insurance can help you protect your home, your belongings, and your peace of mind.
Contact Hanby Insurance today to get started with a manufactured home insurance quote in Texas.
