As manufactured housing insurance specialists, we know how to make sure you have the exact coverage you need. We always work hard to satisfy our policyholders with superior customer service, low rates, flexible payment plans, low deductibles and Fast, Fair and Friendly Claims service.

Not all homes are the same, you picked your manufactured home for a reason. It was what you wanted or needed. Well, not all insurance companies and insurance policies are the same. We believe you should be as diligent and selective when searching for manufactured home insurance as you were when you found your home. After all, your home is your biggest investment. That makes your home insurance policy your second biggest investment because it is the only thing that protects your biggest investment in case of an emergency.

At Standard Casualty Company, we provide a comprehensive policy that offers more coverage than most other insurance companies. We even feature coverage for flood and earthquake losses, natural disasters that most insurance companies won't even consider. We do this because we care about our clients and their needs. We're more concerned about a long term, loyal client that is satisfied and protected by our homeowner’s insurance coverage. Take a look at some of the things that we offer or cover that other policies do not:

The coverages described on this web site are only a general description of the terms and conditions contained in the policies we offer which may give some understanding of the different types of coverages we provide. This web site cannot be used to conclude what coverage exists or is available in any insurance policy issued by Standard Casualty Company (SCC) or through Standard Insurance Agency, Inc. (SIA). The language contained in this web site is not a contract of insurance or binder of coverage between SCC or SIA and any other party (or parties). The insurance contract is contained only in the complete insurance policy issued by SCC or through SIA which may include more or less coverage, conditions, limitations, and exclusions than identified on this web site. All coverages are subject to the complete insurance policy's terms, conditions, limitations and exclusions. Please read your complete insurance policy carefully. Some coverages may not be available in all geographic areas and for specific categories of coverage. In Texas, Standard Casualty Company re-insures the mobilowners policy written through Standard Insurance Agency, Inc.

Do you own a mobile home or are you in the market for a mobile home? Then you must be shopping for mobile home insurance. Your home is one of the biggest investments you'll ever make. Often mobile homes are a first or last big investment in the housing market. Whether you are a first time buyer, long time owner, or looking forward to retirement, you need to protect your mobile home with the best mobile home insurance you can find, provided by a trusted, respected company. Many families have trusted Standard Casualty Company because we specialize in easy terms and fantastic coverage. We've been protecting families’ mobile homes from our Texas location for over 40 years. We offer options and services that no other mobile home insurance company does. We cover damage due to floods and earthquakes and require no credit checks. We offer low deductibles and tailor coverage to meet your needs. People aren't cookie cutter nor are homes, why should the coverage that protects them come as a one size fits all package? A.M. Best, a company that evaluates insurance companies, has determined Standard's Financial Stability as "Excellent" for our financial strength and claims paying ability.

Mobile Home Policy Coverages

Mobile home insurance policies cover manufactured housing, often referred to as trailer home insurance, manufactured home insurance, or factory-built home insurance. A good policy should cover the house, its contents (including personal belongings), adjacent structures, and should provide liability coverage that will protect you from accidental claims caused by negligence.

Our mobile home insurance policies are GREAT; they cover all those things plus coverages most companies avoid like flood and earthquake insurance. We can even add additional coverage like replacement cost on your home and your personal property. We find out what your needs are and tailor the policy to you.

We Specialize

Since we know every mobile home and every situation is different, we specialize to get you the coverage you need, not the coverage some company wants you to have. Whether you're located in a mobile home park or on private property, Standard Casualty Company will customize your policy to get the coverage you need. No matter what you call it, a manufactured home, mobile home, double wide, or a trailer, it's your home and your property and you want it protected so you don't have to worry. That's been our specialty for over 40 years. You don't deal with automated machines; you'll get your mobile home insurance from real people who care about your specific needs.

Payment Options

Not only is our mobile home insurance affordable, but many convenient payment options are available. We offer full payment, escrowed, and installment plans. We can even spread your monthly payments over 9 months, or if you sign up for our Automatic Payment Program, you can extend your monthly payments over 12 months. We also accept credit and debit card payments, check and credit card by phone, electronic funds transfer, money orders, cash, checks, and on-line payments. We work with you to make the process easier. The payments are low and we don't require credit checks.

Learn more about our products and services or get an online quote. If you can't find the information you're looking for, call 1-877-219-2021 and talk to a real person.

Actual cash value (ACV)

This is a method used to figure the values for property when settling a claim. If your policy says it provides for Actual Cash Value settlement, it generally means that your policy will pay the depreciated cost of your property, up to the amount of coverage in your policy. For example, a new TV costs $1,000. Your insurance company would determine the amount of your settlement by subtracting from $1,000 an amount that reflects your usage.

Additional living expense coverage

The extra costs of living someplace else when your insured home is unlivable due to damage caused by a covered loss.

All-risk insurance

An "all-risk" policy pays for losses from damage to property when the cause of damage was direct, sudden and accidental and is not excluded from your policy. An "all-risk" policy covers all perils (causes of loss) that are not specifically listed as excluded within the policy. May also be referred to as "comprehensive" or "open peril."

Claim

An instance in which an insured seeks to recover payment under an insurance policy for a loss covered by that policy.

Claims Adjuster

Person who directly investigates a claim filed by the insured. The adjuster also assesses whether or not the loss is covered by the policy.

Coinsurance

Requires the customer to carry insurance equal to a specified percentage of the value of the property insured in order to receive full payment of a loss.

Comprehensive

Coverage that covers any direct, sudden and accidental physical damage losses except those excluded in the policy (See All-risk insurance).

Coverage limit

The extent of protection against losses provided under the terms of an insurance policy. Also called "insurance" or "protection."

Debris removal

Covers the cost of hauling away materials or wreckage left by a covered peril. For example, this might pay for the cost to haul away roof sections, burnt walls and damaged furniture after a fire.

Deductible

Some policies are written to pay only after the policyholder has suffered an agreed amount of loss. The amount the policyholder must pay first is the deductible. It's "deducted" from the total loss amount to determine how much the company must pay. Even though a policy has a deductible, there may be coverages within a policy that are not subject to that deductible.

Extended coverage

A group of perils that are either packaged or offered as an option with dwelling fire policies. These perils are: windstorm, hail, smoke, explosion, riot, riot attending a strike, civil commotion, vehicle and aircraft.

FAIR Plan

An insurance program made available to risks that are unable to secure coverage through regular channels because of various reasons (i.e., vacancy, high vandalism). Not available in all states.

Flexible payment plan

Allows you to pay your premium in installments, using cash, checks, money orders, credit or debit cards.

Liability coverage

Covers losses that result when an individual causes accidental injury to another person or damage to their property. If you accidentally set fire to your neighbor's garage while burning leaves in your yard, this is the type of coverage that would apply. Liability insurance often includes coverage for defense costs in a liability lawsuit.

Named peril coverage

Named peril policies specify the perils, or causes of damage, which are insured against as distinguished from "All-risk Insurance"

Open peril coverage

(also called "comprehensive coverage") - See All-risk insurance

Other structures

This coverage insures other structures you own on your premises which are separated from the dwelling or connected to your dwelling by only a fence, utility line or some other similar connection.

Personal Property or Personal Effects

Things you own that you use to set up your rentals, such as refrigerators, stoves, or furniture. Personal property includes everything except land, buildings, and any other structures attached to the land. Personal property may also be called "contents."

Repair cost

The cost to repair or replace property, without deduction for depreciation, using common construction materials and methods, locally available, which are equal in function and less costly.

The coverages described on this web site are only general description of the terms and conditions contained in the policies we offer which may give some understanding of the different types of coverages we provide. The web site cannot be used to conclude what coverage exists or is available in any insurance policy issued by Standard Casualty Company (SCC) or through Standard Insurance Agency, Inc. (SIA). The language contained in this web site is not a contract of insurance or binder of coverage between SCC or SIA and any other party(ies). The insurance contract is contained only in the complete insurance policy issued by SCC or through (SIA) which may include more or less coverage, conditions, limitations, and exclusions than identified on this web site. All coverages are subject to the complete insurance policy's terms, conditions, limitations and exclusions. Please read your complete insurance policy carefully. Some coverages may not be available in all geographic areas and for specific categories of coverage. In Texas, Standard Casualty Company reinsures the mobilowners policy written through Standard Insurance Agency, Inc.

If you own or are purchasing a manufactured home, we bet you've heard it called just about everything. How about manufactured home, factory-built home or mobile home? Call it what you will, but it's your home or it's about to become your home and you need to protect it.

Our mobile home insurance physical damage protection coverage protects you if your mobile home suffers a direct, sudden, accidental loss or suffers damage from fire, flood or EVEN earthquake. Most insurance companies won't cover earthquake or flood; they won't even consider it. We care about our customers and want to give them the protection they need and deserve. We specialize in mobile home insurance and have for over 40 years. Whatever type of coverage you need, if it's for a mobile or manufactured home, it's our specialty.

We also offer liability coverage that protects you from liability claims in the event someone is hurt on your property. These are tough things to think about, but accidents do happen. You don't want to wait until after they happen to find out you're not covered or protected. At Standard Casualty Company, a real live person will go over your coverage with you so you know what you have before the fact, and they'll be there to help you in the aftermath of an accident as well. We know those times are tough and we'll be there to help. We have an experienced, dedicated staff that will answer your questions in a fast, fair, and friendly manner. Call us today at 1-877-219-2021 and ask for Becky, or contact us to request more information.

Coverages and Services We Offer

• Our Policy Includes flood and earthquake Coverage - Most basic homeowners policies do not cover flood and earthquake damage, and require a separate purchase for these coverages.
• Low Deductibles - As low as $200, so if you need to make an insurance claim you won't have to come up with very much money out of pocket.
• A Live Person to Answer Your Call - Our professional and courteous associates will provide you with great service. We also have Spanish-speaking associates for your convenience.
• We offer full payment, escrowed, and installment plans - We can even spread your monthly payments over 9 months, or if you sign up for our Automatic Payment Program, you can extend your monthly payments over 12 months.
• Many ways to pay for your policy - We accept credit and debit card payments, check and credit card by phone, electronic funds transfer, money orders, checks, and on-line payments.
• Fast, Fair and Friendly Claims and Customer Service - We are committed to providing all our homeowners insurance customers with superior claims service. Contact us to speak with a friendly claims representative to file your claim.
• Senior Discounts – If you are over 50, you need to call us for a great low rate.
• We offer discounts on multi-sectional homes used as primary/full-time residences - Got a big house? Your primary residence? We could get you a discount!
• Physical Damage Coverage – Physical damage coverage protects your home against direct, sudden and accidental loss or damage. We offer physical damage protection coverage for damages caused by the following events: Flood, Earthquake, Water damage from bursting pipes, Hail, Windstorms, Theft or attempted theft, Fire, Vandalism, Damage to tie down anchoring systems, Explosion, Lightning, Falling objects, and Glass breakage.
• Physical Damage limits - From $10,000 to $300,000.
• Personal Liability coverage limits - As high as $300,000. As a homeowner, you may be held legally responsible for accidents that happen to someone else on your property. If you choose liability coverage for your manufactured home, you will be protected from losses suffered from personal liability claims. For example, if someone falls while on your property, you could be held responsible for doctor bills, hospital bills, the ambulance ride and the victim's loss of pay. You could be liable for all this before you even get to damages awarded for pain and suffering. This optional liability coverage will protect you from these claims as well as legal fees and other various costs.
• Full Time Residence, Rental, and Vacation coverage - Coverage for the way you want to live.
• 1 to 5 year term policies - To lock in a long term rate.
• In Park and Out of Park Coverage - Whether you choose to live on a lot, or out in the open, we can cover you.
• Single, Double and Triple Wide coverage - For what ever size home you have.
• We insure most manufacturer's homes - We insure most all makes and models.
• Mobile Home coverage on owned or leased land - We cover your home whether or not it is located on your land.
• We insure coins, other collectibles, and firearms - Most regular homeowners insurance tends to be expensive, restrictive, or just not cover coins, collectibles, and firearms.
• Replacement Cost for Personal Effects - Due to theft or damage.
• Replacement Cost on Adjacent Structures - Such as decks, sheds, skirting, satellites, and air conditioners.
• Our policies include coverage for these often non-covered items:
  • Additional living expenses
  • Fire Department services and fees
  • Emergency removal services
  • Debris removal
  • Plants, trees, shrubs and lawns
  • Radio and TV antennas
  • Food spoilage (optional coverage)

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. We customize the policies to meet your specific needs so each contract is different. Your insurance protection may vary from the coverages described here depending on the standard mobile home coverages included in your policy and the optional coverages you choose. The coverages described on this page apply if you use your mobile home as a residence. They do not apply to rental or commercial use. *Coverage may not be available in all areas

At Standard Casualty Company, we take great pride in how we treat our customers. Currently, 95% of our customers rate our service as Excellent. See what our customers have to say about the service they've received from Standard Casualty Company.

See What Our Policyholders Have To Say About Our Customer Service

“The process was well received by me.“ Mary S.

“Daylan was very sympathetic and interested in me, as a person, not just a claim. She was very efficient and does her job well.“ Barbara S.

“Great job after all the problems. This was the easiest thing to deal with.” Rose R.

“Thank you, we didn’t expect for this claim to be settled this quickly.” James D.

“I could not have asked for a kinder adjuster. She was very helpful and seemed to care about my situation. She went over and beyond to help me with the status of my claim. I did not feel like a number. I felt like a valued person. All of her responses to my questions were handled in a timely manner. In situations like these, a kind word and speedy responses makes all of the difference. You feel like you matter. I cannot sing enough praise about my adjuster.” Andrea S.

“Standard Casualty Company is the Best. Thank You.” Dillon F.

“Herschel was very professional and conducted our business very quickly. We appreciate the speed in which our case was handled.” Billy T.

“First time to use insurance on my home. Didn’t know what to expect. Everything was excellent. No problems at all. Thanks very much.” Loyd S.

“I was very satisfied with everything on my claims. It took less than I thought for everything. Good Job!” Eric S.

“The adjuster came to my home, he was very nice and arrived on time!” John S.

“My claim was handled in a timely and professional manner” Ron B.

“No hassle, easy to deal with and talk to. Wish all insurance companies were like this.” Scott B.

“The young man who came to my home – Reginald B. was very courteous, kind, and very professional – should be more young men like him. Thank you for hiring him.” Frieda P.

“Very fast, courteous, and fair!” Sean M.