Common Gaps in Mobile Home Insurance 

Owning a mobile home in Texas comes with unique risks, and having the right insurance is essential for protecting your investment. However, many mobile home owners may not realize that standard policies can leave important gaps in coverage. At McDermett Insurance Agency, our team is dedicated to helping you understand these potential shortfalls so you can make informed decisions about your protection.

Understanding Common Coverage Gaps

Mobile home insurance is designed to cover your home, belongings, and liability, but not all policies are created equal. The following are some of the most common gaps we see in Texas:

• Detached structures—Many policies have limited coverage for structures not attached to your mobile home, such as sheds, carports or garages. If these buildings are damaged by a covered event, your policy may only pay a small portion of the repair or replacement costs, leaving you responsible for the rest.
• Natural disaster exclusions—Texas is no stranger to severe weather, including windstorms, hail and flooding. Standard mobile home insurance often excludes or limits coverage for certain natural disasters. For example, flood damage is typically not covered and requires a separate policy. Without the right endorsements or additional policies, you could face significant out-of-pocket expenses after a major storm.
• Personal liability shortfalls—Liability coverage may protect you if someone is injured on your property or if you accidentally cause damage to others. However, some policies offer only minimal liability limits, which may not be enough to cover legal fees or medical bills in case of a serious incident.

How We Can Help

The team at McDermett Insurance Agency works closely with Texas mobile home owners to review existing policies, identify potential gaps and recommend solutions tailored to your needs. We can help you:

• Increase limits for detached structures
• Add or enhance coverage for natural disasters
• Adjust liability limits to better protect your assets

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.