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Home > Blog > How Texas Storms, Tornadoes and Hail Impact Mobile Home Insurance
TUESDAY, MARCH 25, 2025

How Texas Storms, Tornadoes and Hail Impact Mobile Home Insurance

Texas, with its expansive landscapes and varied weather, often faces severe storms, tornadoes and hail. These natural occurrences greatly affect mobile home insurance, resulting in increased premiums and more stringent policy conditions for homeowners.

How Weather Impacts Mobile Home Insurance time lapse photography of lightning during storm

Weather in Texas can impact mobile home insurance in the following ways:

  • Increased premiums and deductibles—Mobile homes can be particularly vulnerable to damage from severe weather due to their construction and materials. Insurance companies, aware of this heightened risk, often charge higher premiums for mobile home insurance in Texas. Additionally, policies may include higher deductibles, specifically for wind and hail damage, reflecting the increased likelihood of claims.
  • Coverage limitations—Standard mobile home insurance policies typically cover damage from windstorms, including tornadoes and hail. However, insurers may impose specific exclusions or limitations on coverage in high-risk areas. For example, some policies might exclude coverage for certain types of storm damage or require additional endorsements to fully account for these risks.
  • Impact on claims and repairs—When a severe storm hits, the aftermath can be devastating for mobile homeowners. Tornadoes and hail can cause significant structural damage, leading to costly repairs. Filing a claim can be a complex process, with insurers scrutinizing the extent of the damage and the cause. Homeowners may face delays in receiving payouts, especially if the storm has caused widespread damage, overwhelming insurance companies with claims.
  • Preventive measures and discounts—To mitigate risks, mobile homeowners can take preventive measures, such as installing storm shutters, reinforcing roofs and securing their homes to the ground. Some insurance providers offer discounts for these safety enhancements, recognizing the reduced risk of damage. These measures not only protect the home but can also make insurance more affordable.

Learn More

For mobile home insurance near you, contact AAAA Insurance.

 

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.

Posted 4:05 PM

Tags: mobile home insurance
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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