Texas Mobile Home Insurance
Your mobile home protects you and your loved ones and Dos Amigos Insurance wants to help you protect it.
Affordable mobile home insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions in your mobile or motor home. Mobile home insurance also provides liability coverage against accidents in the home or on the property.
Dos Amigos provides coverage for various different types of homes such as: mobile homes, modular homes, single family dwellings, condos, townhomes, and multi-family homes.
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Quick Facts about Mobile Home Insurance in Texas
- If you and your family have to move out of your mobile or motor home due to a covered loss, your
additional living expenses of the hotel and meal costs can be covered under a
homeowners policy. - Your dwelling amount needs to match the rebuild price
of your mobile home, not your loan amount.
A mobile home insurance policy can provide the proper coverage for your structure using a calculated amount of coverage based on the material and size of your mobile home. The contents inside are also covered from theft, fire, and many other perils that could take away your personal property. When others come onto your premises, you are responsible for any damage that may occur to them. Liability and medical payments coverage to others are included in a mobile homeowner’s policy.
There are also additional add-on coverage’s available to ensure the protection of your valuables such as jewelry, electronics, artwork, and antiques. It’s important to talk to your Dos Amigos agent or representative to learn what your mobile home insurance policy may and may not cover. For those perils that are not covered, there may be supplemental insurance you can purchase to fully protect your mobile or motor home.
Dwelling Coverage
Pays to repair or rebuild your home – including electrical wiring, plumbing, and heating and air conditioning – if damaged by a covered cause of loss. It’s important to buy enough dwelling coverage to cover the cost to rebuild.
Other Structures Coverage
This homeowner’s insurance covers damages to detached structures like garages, fence, sheds and cottages on your property.
Personal Property Coverage
This coverage helps to insure personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
Loss of Use Coverage
This form of homeowner’s insurance covers additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
Liability Insurance
Liability homeowner’s insurance is designed to protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.
IMPORTANT: Water Damage vs. Flood Damage
A common misconception is the difference between water damage vs. flood damage. A typical mobile home insurance policy covers water damage, but does NOT cover flood damage. Flood insurance must be purchased separately.
FLOOD DAMAGE
A flood is defined as a rising and overflowing body of water onto normally dry land. Generally, damage caused by water that has been on the ground at some point before damaging your home is considered flood damage. Flood damage to your home/place of residence can only be insured through a flood insurance policy.
Examples of Flood Damage:
1. A nearby lake or river overflows and causes a flash flood in your home.
2. A storm drain or sewer drain gets backed up and causes a flood through the patio on the first floor of an apartment building.
WATER DAMAGE
Opposite from flood damage, water damage is considered to occur when water damages your home before the water comes in contact with the ground.
Examples of Water Damage:
1. During a heavy rainstorm, water leaks through your roof onto your furniture, floor, etc., causing damage.
2. A pipe/hose from your washing machine breaks, causing water to leak, causing damage.
Cheap Mobile Home Insurance Texas
Your mobile home is your castle and you have insurance to protect it; but is that insurance protecting your wallet? Dos Amigos Insurance has been helping owners of mobile and motor homes in Texas save money since 2002. We have agents in over 17 cities across the state and growing fast. We help our customers find the best low-cost mobile home insurance policy to keep their home and belongings protected from damage, theft, fires, and floods. We offer affordable insurance options for owners of manufactured homes, modular homes, motor homes, double wide trailer homes, single wide trailer homes, multi-section manufactured homes, and two story manufactured homes. Contact us now and get a no obligation mobile home insurance quote and let us help you save your money without sacrificing coverage
