Dwelling Coverage
Pays to repair or rebuild your mobile home's structure after a covered loss.
Mobile Home Insurance · Garland & DFW, TX
Mobile home coverage that says yes
Dwelling, personal property, and liability coverage built specifically for manufactured and mobile homes.
- Fast Proof of Insurance
- Se Habla Español
- Flexible Payment Plans
- Licensed in Texas
Find the Best Price & Coverage Today
Enter your ZIP code and get a free mobile home insurance quote in minutes.
What's Covered
What Mobile Home Insurance Covers
A quick look at the coverage types that make up most manufactured home policies.
Personal Property Coverage
Protects your belongings inside the home against theft, fire, and other covered events.
Liability Protection
Covers you if someone is injured on your property and you're found responsible.
Medical Payments Coverage
Pays medical bills for a guest injured on your property, regardless of fault.
Other Structures Coverage
Covers detached structures like a carport, shed, or deck.
Wind & Hail Coverage
Protection against a leading cause of damage claims for manufactured homes in Texas.
Understanding Coverage
How Mobile Home Insurance Works
Mobile home insurance is built specifically for manufactured and mobile homes, which face different risks than site-built houses — particularly around wind, transport, and the way the home is set on its foundation.
You pay a premium, and your insurer covers specific costs after a covered event like fire, storm damage, or theft, up to your policy's limits and deductible. If you have a lender, they'll typically require proof of coverage.
Our Coverage
Mobile Home Coverage Options at Zuro
Whether your home is in a community or on private land, we have a policy built for it.
Get My Free QuoteStandard Mobile Home Policy
Dwelling, personal property, and liability coverage in one package.
Tie-Down & Skirting Coverage
Protection for the specific setup and anchoring systems mobile homes rely on.
Bundled Home & Auto Discounts
Combine mobile home and auto coverage with Zuro for a lower combined rate.
Be Prepared
What to Do After Storm or Wind Damage
Texas storms and high winds are a leading cause of mobile home claims — these steps protect you and your claim.
Make sure everyone is safe
Get your family and pets somewhere safe before dealing with anything else.
Prevent further damage
Take reasonable steps like tarping a roof, without making major repairs yet.
Document everything
Photograph and video the damage before you clean up or move anything.
Check tie-downs and skirting
Damage to anchoring systems is common and should be inspected even if it isn't obvious.
Make a list of damaged items
Note approximate value and age for personal property claims.
Call Zuro right away
Call (972) 656-0271 and we'll walk you through filing your claim.
Buyer's Guide
How to Choose the Right Coverage
A few things worth thinking through before you buy — or just call us and we'll walk you through it.
Know your home's replacement cost
Coverage should reflect what it costs to replace your home, not its resale value.
Check your community or land requirements
Some communities and lenders set minimum coverage requirements.
Consider wind & hail exposure
Texas's storm risk makes this coverage especially important for manufactured homes.
Decide on your deductible
A higher deductible lowers your premium but raises what you'd pay out of pocket after a claim.
Talk to a licensed agent
The only way to know your real rate is a personalized quote based on your actual home.
Lower Your Rate
Ways to Get a Better Price on Mobile Home Insurance
Simple, real ways to bring your premium down without giving up the coverage you need.
Bundle your policies
Combine mobile home with auto coverage with Zuro for a lower combined rate.
Reinforce tie-downs and anchoring
A properly secured home can lower your wind-related risk and help your rate.
Choose the right deductible
A higher deductible can meaningfully lower your monthly premium.
Keep continuous coverage
A lapse in coverage often raises your rate.
Install safety features
Smoke detectors and secure skirting can qualify you for discounts.
Compare with a local agent
A real agent can shop multiple carriers instead of locking you into one rate.
Pricing
How Much Does Mobile Home Insurance Cost in Texas?
Rates vary by homeowner — there's no single “average” that applies to everyone. Your rate depends on your home, its location, the coverage you choose, and your claims history.
Get My Free QuoteHome age, size & construction
Location & wind/hail exposure
Coverage level & deductible
Tie-down & anchoring setup
Claims history
Your down payment & payment plan
Why Zuro
Why Mobile Home Owners Choose Zuro
We built Zuro for homeowners other insurers turn away — with real agents who treat you like a neighbor, not a risk score.
Get My Free QuoteFast, simple process
Get a policy and proof of insurance without the runaround.
Bilingual agents, English & Español
Every agent speaks both languages fluently — no translation apps needed.
No SSN required
We accept alternative identification for most policies.
Flexible payment plans
Down payments and monthly plans that fit your budget.
Licensed & bonded in Texas
Fully compliant with Texas Department of Insurance regulations.
Real local agents across DFW
Walk into an office near you — we're not a call center.
Reviews
Trusted Across Dallas-Fort Worth
"Zuro got me my SR-22 the same afternoon. The agent explained everything in Spanish and English — made it so easy."
FAQ
Mobile Home Insurance Questions
Yes, it's a specialized policy built for the unique risks and construction of manufactured and mobile homes.
It's not required by state law, but your lender will require it if you're financing the home.
Yes, wind and hail coverage is typically included given how common storm damage is in Texas.
Yes, we insure mobile homes both in communities and on private land.
Most customers walk away with proof of insurance the same day, in person or online.
Ready to Get Mobile Home Coverage Today?
Talk to a real agent in English or Español — no pressure, no judgment.