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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 50 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 1-800-522-0146 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 $500, 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

Standard Casualty Company © 2016

In Texas, Standard Casualty Company re-insures 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. Terms, Conditions, and Privacy Statements