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Protecting Your Manufactured Home in Allen, TX

Covertree’s Comprehensive Guide!

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Allen, TX: Costs, Coverage, and Considerations

Welcome to Allen, Texas - in north-central Texas, just 25 miles north of the bustling heart of Dallas, Allen gracefully combines the charm of small-town living with world-class amenities. This vibrant jewel in Collin County's crown proudly stands as the fourth largest city in the county and carries a rich tapestry of history, culture, and modern allure.

Allen's accolades are numerous, with national recognitions ranging from being the #2 Best Real-Estate Market in 2022 to being named the Best Suburb in Texas in 2018. Safety, quality of life, and excellent educational opportunities make it an ideal place for families, professionals, and travelers alike. The city's commitment to education is evident, with over 96% of adults holding a high school diploma and a flourishing Allen ISD with over 21,000 students enrolled.

As you stroll through Allen's streets, you'll be walking on paths once trodden by the Caddo and Comanche tribes, and later by European settlers in the 1840s. The city's historical significance is further underscored by events such as Texas's first train robbery in 1878, orchestrated by none other than the infamous Sam Bass. But it's not just history that makes Allen unique; its evolution from a railroad township to a thriving urban gem showcases its resilience and adaptability.

Beyond the bustling events and vibrant arts scene, Allen has beautifully maintained its connection with nature. For those who crave outdoor escapades, the city offers a plethora of parks and green spaces. Whether you're looking to jog, bike, or simply take a leisurely stroll, these sanctuaries provide a peaceful respite from urban life.

One of Allen's hidden treasures is the Allen Heritage Village, a nod to the town's storied past. This delightful enclave transports visitors back in time, showcasing historically significant buildings and offering a tangible glimpse into the lives of Allen's pioneers. It serves as a testament to Allen's dedication to preserving its rich heritage while looking forward to a future filled with promise.

Foodies too have a place in Allen's heart. The city boasts an eclectic mix of dining options, catering to every palate. From mouth-watering Texan BBQ joints to global cuisines that tantalize the taste buds, Allen's culinary landscape is as diverse as its community. After a hearty meal, residents and visitors can head over to the many local breweries and wineries, offering the perfect setting for a relaxing evening.

Moreover, Allen's sense of community shines brightly during its annual events and festivals. From summer fairs to winter markets, the city pulses with energy and camaraderie. These gatherings not only celebrate seasons but also foster a sense of unity and shared identity among residents.

So, whether you're drawn to its rich past, eager to partake in its vibrant present, or excited for its promising future, Allen welcomes you with open arms. Here, you'll find not just a city, but a community ready to embrace you. Come, explore, and make memories in Allen — a Dallas suburb that's truly a world of its own.

Understanding Mobile home Insurance in Texas.

Do I Need Mobile Home Insurance in Texas?

Texas Mobile Home Insurance Costs Explained

Mobile home insurance is essential for safeguarding your most valuable asset. Prices in Texas typically range from $250 to $1,300 annually, influenced by various factors. Deciding between actual cash value and replacement cost coverage will also impact both premiums and compensation amounts in case of a claim.

Insurance rates are influenced by:

* e.g. A five-year-old home bought for $50,000 but now worth $35,000 will be compensated at $35,000.
** Typically has higher premiums but offers more compensation during a claim.

Unique Considerations for Texas Mobile Home Insurance!

Mobile Home Insurance Coverage in Texas:

Filing a Mobile Home Insurance Claim in Texas:

Tips for Purchasing Mobile Home Insurance in Texas:

Remember, while insurance might seem optional, it provides invaluable peace of mind against potential financial setbacks.

Choosing the Ideal Texas Homeowners Insurance Policy:

The apt insurance policy largely hinges on your home type, repair or rebuilding costs, and the worth of your belongings. It's often a smart move to opt for the most robust protection within your budget. This is especially true if you haven't set aside a significant emergency fund. Though a comprehensive policy with a lower deductible might require higher premiums, it ensures quick recovery after a substantial loss.

As your savings grow, you might consider increasing your deductible to decrease your premium. But here's a pro tip: sometimes, a $1,000 deductible isn't much pricier than a $5,000 one. In such instances, the minimal extra expense can prove invaluable in the event of a large claim.

The location of your mobile home, particularly the zip code in Texas, is a significant factor.

Did You Know ?

Mobile homes in Texas are subject to the Mobile Home Commission Act!

You Need: The HO-7: Texas Mobile Home Form

What Does an HO-7 Policy Cover?

Type of Homes: Mobile or manufactured homes (trailers, single/double-wide mobile homes, RVs, modular homes, etc.).

Open perils, covering almost everything unless specifically excluded.
Named perils, only covers for specific causes of loss listed on the policy.
Coverage is based on replacement cost, not the market rate.
Coverage for named perils only. Examples of named perils: lightning, hail, fire, theft, vandalism, explosions, water damage from plumbing, etc.
Sub-limits for certain valuables (e.g., jewelry, firearms, electronics). Jewelry: $1,500 (theft-only) Firearms: $2,500 Electronics: Varies
Protection against bodily injuries or property damage you’re found liable for.
Covers expenses if the mobile home becomes uninhabitable.
Covers medical expenses for injuries in the mobile home (surgery, ambulance fees, X-rays, etc.).

What Does an HO-7 Policy NOT Cover?

Personal property damage that doesn't fit the named perils.

Exclusions include:

Understand The HO-3: Texas Special Form

The HO-3 policy is the predominant homeowners insurance in Texas. It offers open-peril coverage for homes and related structures, covering all damages unless specifically excluded.

Exclusions typically include:

Personal property, however, is only covered for specified risks.

Additional Insurance Policy Options:

Even if you’ve chosen the HO-7 or another base form for your policy, you might still want to contemplate additional coverage for specific scenarios. Here are some prevalent options:

This is a basic policy, covering only named perils. It offers actual cash value instead of replacement cost coverage. Designed mainly for vacant properties or standalone structures, all occupancy types can avail of this policy. However, for liability or personal property coverage, you’ll have to incorporate these features.
Also termed a landlord’s policy, the DP-3 is tailored for rental properties. It covers the property’s structure, provides liability coverage for accidents, and even ensures your rental income in case your tenants need to vacate due to a covered loss.
An essential policy if someone incurs severe injuries on your property with damages soaring above $1 million. This policy offers extra liability coverage exceeding the limits of a standard homeowner’s insurance policy. You would need a substantial underlying coverage to qualify.
For those treasured high-value possessions, like jewelry or electronics, a scheduled coverage is necessary. This is because typical personal property coverage under your dwelling policy has limits on payout for such items.
This coverage is your safeguard against costly damages arising from sump pump failures or sewer backups. Without this endorsement, such water damages won’t be covered.
Fires, floods, and other disasters can strike at any time, and these events usually occur when you least expect them. Unless you have the funds to make the needed repairs, you could be stuck without a home. Starting from scratch can be almost impossible. Insurance is a life-saving necessity for you and your family.

Even though you don't want to think about possible disasters, it's vital for everyone to understand their possible risks so that they can prepare for the unthinkable. With an effective insurance plan, you can live worry-free of losing your items or home.

Choosing the Right Mobile Home Insurance for Allen, TX.

Weather Risks:

Allen, Texas, like many parts of the southern United States, is no stranger to the unpredictable forces of Mother Nature. While the city boasts of beautiful seasons and picturesque landscapes, it's also periodically tested by severe weather conditions. For homeowners and businesses alike, understanding the potential threats and having adequate insurance protection is crucial.


Nature of the Risk:

Texas sits in the heart of what meteorologists refer to as "Tornado Alley." This means that Allen is particularly susceptible to the twists and turns of these violent windstorms.

Insurance Implications:

While standard homeowners' insurance usually covers tornado damage, it's essential to review the policy details. Ensure that it includes any auxiliary structures, like sheds or detached garages. Furthermore, remember that coverage might differ if the damage is a result of flooding following a tornado.


Nature of the Risk:

Allen has seen its fair share of hailstorms over the years. These can be especially damaging, with hailstones ranging in size from tiny pellets to golf balls and even larger. They can cause significant damage to roofs, cars, and outdoor structures.

Insurance Implications:

Hail damage is typically covered under standard homeowners' and auto insurance policies. However, some policies might carry a separate, higher deductible for hail damage. Regularly inspecting your property and car after a storm can lead to early detection and timely claims.

Flash Floods

Nature of the Risk:

Flash floods are sudden inundations, often caused by heavy rainfall. Allen's terrain and the occasional propensity for torrential downpours can make certain areas vulnerable to this risk.

Insurance Implications:

Here's where many homeowners might get caught off-guard. Standard homeowners' insurance does not typically cover flooding. To protect against potential flood damage, one would need to purchase separate flood insurance. If living near a known flood zone, this is highly advisable.

Recommended Neighborhoods in Allen, TX.

Greatest Allen Income Growth By Neighborhood (last 5 years):

Best Allen School Neighborhoods:

Property Crime Rates in Allen, TX.

Allen, Texas, situated amidst a diverse population and a myriad of community activities, presents a unique tapestry of safety metrics when examined against both state and national averages.

Overall Crime Rate: 10 per 1,000 residents.

This places Allen near the average when compared to cities and towns of all sizes in the U.S.

In the state context, Allen's crime rate is better than 53% of Texas communities.

When matched with American towns of a similar population, several noteworthy points emerge:

According to NeighborhoodScout, Allen has one of the lowest crime rates for its population size in the nation.

This makes Allen stand out as one of the safest towns in its population bracket.

Diving Deeper:

Violent Crime Rate: 1 per 1,000 residents.

This includes severe offenses like armed robbery, aggravated assault, non-statutory rape, and murder. Residents have a 1 in 963 chance of being a victim of violent crime, akin to the national average.

Property Crime Rate: 9 per 1,000 residents.

This encompasses crimes like burglary, larceny (over $50), grand theft auto, and arson. Allen's rate for property crimes aligns with the average for cities and towns across the U.S.

While Allen's violent crime rate resonates with national averages, it distinctly shines in its overall safety standards, especially when size is taken into account. It's evident that Allen is proactive in ensuring its neighborhoods are safe, particularly from property-related crimes.

Choice of 6 insurance coverage in Allen, TX.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

Sinkhole Coverage:

What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock.

Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.

Earthquake Coverage:

What it is: Offers protection against damages from seismic activities such as earthquakes and tremors.

Why it's needed: Standard policies usually exclude earthquake damage. It's vital in earthquake-prone regions.

Loss of Rent Coverage:

What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.

Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.

Cyber Security Coverage:

What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.

Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.

Mold Remediation Coverage:

What it is: Covers costs related to mold removal and repair.

Why it's needed: Mold can lead to health problems and structural damage. Mobile homes, especially in humid areas, may be vulnerable.

Did You Know ?

Individuals living in manufactured home communities, who typically buy their manufactured home and rent the lot, are subject to different laws. However, if you live in a mobile home outside these communities, you're governed by the same laws as house or apartment renters, primarily found in Chapter 92 of the Texas Property Statutes.

Mobile Home Facts : Texas

Treatment of Manufactured Home as Real Property:

According to the Texas Underwriting Manual TX: 12.24:

Learn about the TMHA!

The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.

Consisting of devoted professionals, TMHA actively advocates for their members and the broader Texas manufactured housing community, especially through dedicated representation in the Texas Legislature. Being a member-driven association, their main emphasis is on equipping their extensive network of over 1,400 members with vital resources and insights to thrive in their businesses.

If you're part of the manufactured housing sector and haven't yet joined TMHA, we highly recommend you do so immediately!

Learn about Texas Homeowner Assistance: Two Vital Programs!

Texas residents who are struggling with home-related expenses have two vital assistance programs available: the Texas Homeowner Assistance Program due to the COVID-19 pandemic and the Homeowner Assistance Program (HAP) following Hurricane Harvey.

Texas Homeowner Assistance:

Purpose: Assist Texas homeowners who've lagged behind on their mortgage, utilities, and related costs because of COVID-19.

Services Offered: Financial support for affected homeowners.

Homeowner Assistance Program (HAP):

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Home repairs and rehabilitation I Home reconstruction I Enhancements for better resilience against natural disasters I Elevating homes above flood levels along with reconstruction aid I Temporary relocation aid

Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.

Texas Coastal Property Insurance Pool Programs!

The Texas Coastal Insurance Pool (TCIP), formerly known as the Texas Windstorm Insurance Association (TWIA), is a vital insurance entity designed to protect homeowners in the Texas coastal regions. Established in the face of limited private insurance options, the TCIP provides wind and hail coverage to properties located in certain parts of Texas's seacoast territory.

Key Features:

Primarily, the TCIP offers windstorm and hail damage insurance for homeowners who might not find coverage in the private market due to the heightened risk associated with coastal regions.
Residential and commercial properties in the 14 coastal counties and certain parts of Harris County (east of Highway 146) are eligible. However, to qualify, properties must comply with the windstorm building code for the region.
While the TCIP operates similarly to a typical insurance company, it is different in its financial structure. In the case of significant catastrophic losses, the association has the ability to recoup losses through premium surcharges or bonds, ensuring continuity of coverage for its policyholders.
With the growing threat of hurricanes and tropical storms in the Texas coastal regions, the TCIP plays a pivotal role in ensuring that homeowners can obtain the necessary insurance protection against these natural disasters.


Inland of the Intracoastal Canal $2.50 per $100 coverage 42 Effective October 1, 2008 Seaward of the Intracoastal Canal $5.00 per $100 coverage

Eligibility for TWIA:

A mobile home located in a designated catastrophe area that meets the following criteria is eligible to be insured under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy.

The mobile home complies with the definition of manufactured home under the rules and regulations of the Texas Department of Housing and Community Affairs (TDHCA).
The mobile home is occupied solely as a one or two family residence.
The mobile home is blocked and tied down in accordance with the current state generic standards promulgated by the TDHCA or with the manufacturer’s installation instructions.

The mobile home has been inspected, and an inspection approval form has been completed and issued verifying that the home is blocked and tied down in accordance with the required standards with no violations of these standards. The form may be on file with the TDHCA. If a form is not on file with the TDHCA or the form is over five years old, a new inspection approval form that indicates no violations of the blocking and tie down requirements must be obtained through an installer licensed by the TDHCA. 41 Effective October 1, 2008

Homes manufactured on and after September 1, 1997, must be designated by the manufacturer as Zone II homes to be insurable through the Association.

Additions to Mobile Homes:

Limit of Liability:

The maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.


Policy Forms & Endorsements:

The following policy form is to be used: T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy

Important Endorsements in Texas:

What it is: Provides coverage that a manufactured housing unit has been affixed to the land, has been converted to real property and that there are no personal property taxes or personal property liens attached to the MHU.

Why it’s needed: This endorsement is issued in conjunction with a T-2 Loan Policy to insure a manufactured housing unit located on the land. Manufactured housing includes mobile homes and other manufactured housing permanently attached to the land as a fixture.

What it is: An addition or modification to a standard insurance policy that provides coverage for damages caused by sinkholes. A sinkhole is a depression or hole in the ground caused by the collapse of a surface layer, often due to the dissolution of limestone or other soluble rocks below the surface. When it occurs under a property, it can cause significant damage or total loss of the structure.

Why it's needed: Not all standard homeowners' insurance policies cover damage caused by sinkholes. In areas prone to sinkhole activity, this endorsement is crucial. A sinkhole can render a home uninhabitable, and without this coverage, homeowners could face substantial financial losses. By adding this endorsement, homeowners are protecting their investment and ensuring they won't be left without resources to repair or rebuild in the event of a sinkhole disaster.

Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam:

What it is: This endorsement provides coverage for damage caused by the unexpected and unintentional release of water or steam from plumbing, heating, air conditioning, or automatic fire protective systems within the mobile home.

Why it's needed: Mobile homes, like any other residential structure, are vulnerable to unforeseen internal water or steam damage, which can be costly to repair. Such incidents might include a burst pipe, malfunctioning water heater, or broken appliance hose. By adding this endorsement to their insurance policy, mobile homeowners can protect themselves financially from the damages and repair costs resulting from these sudden and unexpected events.

Additional Policy Riders for Mobile Home Insurance in Texas:

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

Provides protection against flood-related damages, excluding waterline or sewer backups. Average annual cost: $700.
The mobile home is occupied solely as a one or two family residence.

defends against damages when drains, pipes, or sewers back up, but not from floods.  Annual cost range: $50-$250.

helps homeowners meet current building codes during repairs or reconstruction, ensuring updates to older homes meet modern standards. Costs: Anywhere between 10% to 25% of dwelling coverage.
offers specialized coverage for high-value items like jewelry or art.
is for home-based businesses, ensuring business property stored at home is covered. Costs vary based on asset value.

aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.

Adding any rider will increase your premiums, influenced by location, risk profile, chosen coverage, and deductible. Riders can be added during initial policy purchase, at renewal, or anytime during the policy period. Some carriers might not offer all endorsements, so shopping around might be necessary.

Finding A Manufactured Home or Mobile Home Community In Allen, TX

If you're in the market for a mobile or manufactured home in Allen, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Allen.

Glen Knoll: Embrace Homey Comfort in Wylie, Texas

Nestled in Wylie, Texas, Glen Knoll offers a warm, welcoming community for all ages.
Key attractions: Close to the renowned In-Sync Exotics Refuge, Lavon Lake, and Breckinridge Park. Nearby top-rated school district, ensuring quality education for your children.
Easy access to Garland, just 9 miles away. Commute hassle-free with local buses, and explore both the city and its surroundings. Local favorites include Chiloso Mexican Bistro, Meteor Hamburgers, Target, Lowe's, Walmart, and the chic Firewheel Town Center.
An added bonus: Glen Knoll is pet-friendly, so your furry friends can join in the joy.

Northwood (TX) MHC: A Touch of Elegance in Lewisville

A pristine all-age manufactured home community nestled in Lewisville, TX. What sets Northwood apart?
Well-maintained, safe, and brimming with convenience.
Quick access to local amenities - schools, shopping, recreation, and more.
Features: Lush grounds
Illuminated streets
Friendly and responsive on-site management by RHP Properties.
Affordable housing with options to buy or rent starting at $450 per month.
Financing options also available for potential mobile home buyers.

The Estates: Princeton’s Premium Residence

Picture-perfect homes set against Princeton’s downtown backdrop.
Why choose The Estates?
Offers both homes for rent and for sale, catering to varied needs.
Amenities to foster community spirit: Swimming Pool
Picnic Area
Keyed Mailboxes
Grass Rec Area
Walking Trails