If you’re planning to buy a mobile home in Odessa, TX, you might be wondering whether insurance is necessary. The short answer: it’s not always required, but it’s highly recommended. At Diamond Mobile Homes, we primarily work with Legacy Housing, one of the few lenders that does not require insurance as a condition for mobile home financing. This makes the buying process more accessible for many families across West Texas. Still, having insurance can make a huge difference when it comes to protecting your investment.
What Does a Mobile Home in Odessa, TX Warranty Cover?
All of our mobile homes come with an exclusive limited one-year warranty, which covers factory defects and structural issues reported within that time frame. If you report any issue within the first 24 hours of delivery, Diamond Mobile Homes will personally address and resolve it quickly.
However, there are situations not covered under warranty, including:
- Damage caused by strong winds (such as shingles blowing off the roof)
- Hail or electrical storms
- Flooding or other natural disasters
- Theft or vandalism
This is where a good mobile home insurance policy becomes essential.
Warranty vs. Insurance: What’s the Difference?
| Feature | Manufacturer’s Warranty | Mobile Home Insurance |
|---|---|---|
| Duration | 1 year (limited) | Annual, renewable |
| Provided by | Manufacturer & dealership | Insurance companies |
| Covers | Factory defects, installation issues | Weather damage, theft, fire, liability, etc. |
| Additional cost? | No (included with purchase) | Yes (monthly or annual premium) |
| Requires renewal? | No | Yes |
West Texas Weather: A Strong Reason to Insure
Anyone who lives in Odessa knows the weather can be unpredictable. Strong wind gusts, hail, and sudden storms are common in this region. While our homes are built to be durable, these events are beyond any builder’s control.
That’s why having insurance helps you:
- Protect your investment from unexpected damage
- Sleep soundly knowing natural events are covered
- Avoid thousands of dollars in future repair costs
Already Bought Your Home in Odessa, TX? We Can Help You Find the Right Insurance
At Diamond Mobile Homes, we’re here for you long after you get your keys. If you’ve already purchased a home and are now considering insurance, we can guide you toward the best policies for your needs and budget. We work with trusted partners and understand the types of coverage that truly matter in our area.
Protect Your Home from Day One
Even though Legacy Housing doesn’t require insurance, at Diamond Mobile Homes we believe it’s one of the most responsible steps you can take as a new homeowner. It’s the best way to ensure the safety of your home, your family, and your peace of mind.
Contact us today and we’ll guide you step by step so you can begin this new phase with all the protection you deserve! Finally, we invite you to learn the 5 reasons to buy a mobile home in 2025 and how to choose the best mobile home dealer in Odessa.
