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.
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 EVENearthquake. 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
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
In Texas, Standard Casualty Company reinsures the mobile home owner's policy written through Standard Insurance Agency, Inc. Some policies may be issued through our affiliates. Coverage available in: Alabama, Arkansas, Arizona, Colorado, Delaware, Florida, Georgia, Kansas, Kentucky, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia and West Virginia. All coverage is subject to your individual policy limitations and exclusions. Please read your policy carefully. It contains the information you need to know. Standard Casualty Company is a member of the Palm Harbor Homes family of companies, the leaders in manufactured and modular homes. Photos used by permission of Palm Harbor Homes.
Terms, Conditions, and Privacy Statements
Terms and Conditions & Privacy Statements
The level of information gathered by SCC varies depending on your request. The gathering of this information is designed with you in mind so that we can better service the products we offer you. Here are some examples of the types of information the SCC web site collects if you choose to provide it:
"Contact Us" & Other Email Forms - Name & Email Address
Request for Information Forms - Name & Mailing Address and/or Email Address
Claims Service Online Reporting - Name, Address, Date of Birth, Policy Number, information about the claim or accident, the names of witnesses & other contact information.
Mobile home Quoting Application - Name, Email Address, Mailing Address, Phone Number, Mobile home description, Date of Birth, Coverage information, Discount eligibility information
Using Information Gathered
The information SCC collects is used to provide policy quotes when requested, administer insurance policies, and answer questions or concerns.
By using our website, SCC is able to log general statistical information (from log files) such as: the domain name, IP address and browser type of our website visitors. With the information gathered, we are better able to create a customized experience for your visit to our web site. The log file information does not contain personally identifiable information, such as name, address, phone, etc. and is used only in the aggregate.
What is a cookie? Cookies are sets of information that our web server assigns to you when you visit our web site. Cookies are used in a few areas of our site only for maintaining information between pages. They are not used for storing or tracking personal information from our customers. These cookies simply carry forward information that you submitted on one screen to the next screen, eliminating the need for redundant entry. These cookies do not gather any other personal information from you or your computer. You do have a choice whether or not to accept the cookie, however, if you reject the cookie or if the cookies are disabled on your web browser, some parts of the web site will not be operable.
The SCC web site is designed to give our customers, prospective customers, and visitors a confidential means of gathering information about our Company, services and products and for doing business with us over the Internet. Our site will only collect information that you voluntarily provide in order for us to service your request. If you have provided personal information on our web site in order to obtain a policy quote, administer your insurance policies, or ask us a question, we may need to share that information with authorized third parties, if necessary to service your request. We do not sell any customer information to mailing list companies or telemarketing companies.
Protecting Information Gathered and Security
Personal information you have provided is limited to employees and agents of SCC who need to know that information in order to service your request. SCC maintains physical, electronic, and procedural safeguards that comply with applicable regulations to guard your personal information. SCC retains the information collected for as long as required or permitted by law or regulation.
Notification of Changes
Standard Casualty Company
Standard Insurance Agency, Inc.
Standard Direct Insurance Agency
100 Northwoods Drive
New Braunfels, TX 78132