There are quite a few companies that offer insurance for mobile homes, manufactured homes and modular homes in Oklahoma and Texas. For some reason, a lot of the more well known independent insurance carriers that you see on TV will not insure mobile homes, but fortunately there are a lot of good companies out there that will. Here is a list of some of the more popular companies that either specialize in mobile and manufactured home insurance or have really good rates. These are not in any specific order: American Bankers of Florida (Assurant), American Modern, American Summit, Foremost (Owned by Farmers), North Star, FarmAssure (MDOW), Markel, Lloyd's of London, Aegis, National Fire and Security, Standard Casualty Company and more!
A good insurance agent with access to a lot of these companies and that is familiar with mobile homes (this is the key) will know which company is best to run you with. Factors such as location of the home, distance from the fire department, rating of the fire department, distance to a fire hydrant, type of policy, past claims and even credit scores can all affect the premium. I have seen policies that are literally half the price of others with the same amount of coverage and the only difference is the company that it is written with. It is always a good idea to check around every few years just to make sure that you are not just throwing away extra money that could be used to pay something off instead of just giving it away to the insurance company!
Want to know if you are paying too much? Visit http://www.texomainsurancegroup.com and get a quick quote from an agency that SPECIALIZES in mobile homes, manufactured home and modular home insurance. They can write mobile home insurance in all 50 states.