Mobile Home Insurance in Wichita Falls, TX
Why Mobile Home Insurance Matters in Wichita Falls
Home is where your heart is — whether it’s a traditional house or a mobile home. Mobile and manufactured homes face unique risks, from weather damage to depreciation over time, and having the right coverage is critical. At Montoya Insurance Group, LLC, we help Wichita Falls families protect their mobile homes with policies that provide security, flexibility, and peace of mind.
What Our Mobile Home Insurance Covers
Every mobile home is different, but protection should never be optional. Our coverage options include:
- Personal & Property Protection – Covers your mobile home and personal belongings against fire, theft, lightning, windstorms, and other natural disasters.
- Detached Structures – Coverage for porches, carports, sheds, and other additions.
- Liability Coverage – Protects your financial assets if someone is injured on your property or files a legal claim.
- Replacement Cost Options – Specialized coverage to protect against depreciation and ensure your home can be repaired or replaced.
Common Add-Ons & Options
We help Wichita Falls mobile homeowners customize policies with add-ons like:
- Extended personal property protection
- Coverage for valuable items (jewelry, electronics, collectibles)
- Water damage and flood coverage options
- Additional living expense coverage if your home becomes uninhabitable
Who Needs Mobile Home Insurance in Wichita Falls?
If you live in a manufactured, modular, or mobile home, you need coverage that addresses unique risks. Mobile homeowners in Wichita Falls face:
- Severe Weather Risks – Tornadoes, hail, and high winds that can cause extensive damage.
- Depreciation Concerns – Mobile homes can lose value faster than traditional homes.
- Legal Liability Risks – Protecting yourself financially in case of injury claims on your property.
FAQs – Mobile Home Insurance in Wichita Falls
Is mobile home insurance required in Texas?
While not required by law, most lenders and communities require mobile home insurance. Even if not required, it’s highly recommended for financial protection.
How is mobile home insurance different from traditional home insurance?
Mobile home policies account for construction methods and depreciation, ensuring you’re covered for unique risks.
Does Montoya Insurance Group offer replacement cost coverage?
Yes. We provide options that help protect against depreciation so your home can be replaced at today’s value.
Can I bundle my mobile home insurance with auto insurance?
Yes. Bundling can save you money while keeping all your policies in one place.
Do you offer bilingual service?
Yes. Our team can assist clients in both English and Vietnamese.
Protect Your Home Today
Get the Right Mobile Home Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we know your mobile home is more than just property — it’s your safe place, your family’s comfort, and your biggest investment. Our team will help you find affordable, reliable coverage that fits your needs and protects what matters most.