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Protect Your Manufactured Home in Bryan, 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 Bryan, TX: Costs, Coverage, and Considerations

Welcome to Bryan, Texas - a seamless tapestry with a fabric filled with Texas lore, fighting collegiate spirit, and the kind of lasting charm you only find in small-towns.

Bryan, is the kind of Texas city where heritage pulsates through historic districts and academic vitality emanates from nearby college campuses. Situated in the Brazos Valley, just a stone's throw away from College Station and Texas A&M University, Bryan serves as a vibrant community where the past and future exist in a harmonious blend.

Bryan's historical significance is intricately woven into the fabric of Texas itself. The city, founded in the 19th century, has roots stretching back to the period of cotton plantations and early industrialization. Today, its legacy is beautifully preserved in historic Downtown Bryan, an area replete with architectural gems from the past and a thriving arts and culture scene. The Brazos Valley African American Museum and the Carnegie Center of Brazos Valley History offer immersive insights into the rich tapestry of Bryan's history and its communities.

However, the charm of Bryan is not just enshrined in its buildings and museums; it also thrives in its natural beauty. Lake Bryan is a jewel of the area, providing a tranquil setting for outdoor activities like fishing, kayaking, and hiking. The park around the lake offers campsites and mountain biking trails for those who wish to embrace the Texan outdoors fully.

Adding to the richness of Bryan is its proximity to academic institutions like Texas A&M University. This closeness brings a youthful vibrancy and intellectual atmosphere to the city, reflected in its eclectic coffee shops, art galleries, and community events. The synergy between Bryan and College Station creates a dynamic environment where innovation and tradition coexist. Culturally, Bryan is a melting pot. With frequent live performances, art exhibitions, and culinary festivals, the city is a hub for creative minds and food enthusiasts. The annual Texas Reds Steak & Grape Festival, which celebrates the best of Texas wines and beef, is an event that gastronomically links Bryan to broader Texan traditions.

But Bryan also has its share of lesser-known treasures. Did you know that the city has a rich agricultural history and is home to the Brazos County Farmer's Market? Here, one can experience the true flavors of the Brazos Valley, with fresh produce and artisanal goods that celebrate local farmers and craftspeople.

From its historic Downtown to its verdant parks, from its academic connections to its thriving arts scene, Bryan encapsulates a uniquely diverse range of Texan experiences. Whether you're in the mood for a deep dive into history, an outdoor adventure, or a taste of local culture, Bryan offers it all. Come explore this vibrant city where the echoes of yesteryears harmonize beautifully with the promises of tomorrow, and let the spirit of Bryan fill your soul with everlasting memories.

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 Bryan, TX.

Weather Risks:

Air Pollution

Description: The area experienced 40 days of elevated particulate matter in 2020, affecting both climate and individual health. Air pollution is linked to over 17,000 deaths annually in Texas and can damage respiratory and cardiovascular systems, worsen mental health, and increase the risk of infectious diseases.

Implications: For those living in the area, it's crucial to consider air filtration systems for homes and cars. Residents should also be aware of daily air quality reports to modify outdoor activities accordingly.

Extreme Heat

Description: The region is experiencing extreme heat, with temperatures forecast to top 100 degrees for 12 straight days. This extreme weather increases the risk of heat-related injuries.

Implications: Residents, especially those vulnerable to heat like children and the elderly, need to take precautions such as staying hydrated and minimizing outdoor activities during peak heat hours. Such weather can also amplify the risks associated with air pollution.

Severe Wind Factor

Description: Bryan-College Station has a high risk of severe wind events, including hurricanes and tornadoes. This puts properties and infrastructure at risk, with the potential to cause widespread damage.

Implications: Homeowners need to take precautions to secure properties, especially if they reside in mobile homes or less sturdy structures. In addition, emergency kits and evacuation plans should be in place. The multiple environmental issues pose serious public health risks. Chronic exposure to polluted air and extreme heat can have long-term health implications.There is a need for stringent guidelines and policies to control pollution and prepare for extreme weather events. In light of these multifaceted challenges, a holistic approach involving both policy changes and individual action is crucial for improving environmental conditions and public health.

Given the multiple risks, mobile/manufactured home and RV owners should invest in comprehensive insurance coverage and should have an emergency plan in place that covers each of these risks. In addition, always heed evacuation advisories and have an emergency kit ready.

Recommended Neighborhoods in Bryan, TX.

Property Crime Rates in Bryan, TX.

Foundation and Water Damage Coverage:

Overall Crime Rate: 25 per 1,000 residents
Chance of Becoming a Victim: 1 in 39

Comparison with Texas and the U.S.

State Comparison: Bryan has a higher crime rate than 86% of Texas cities and towns.
National Comparison: While the crime rate is higher than the national average, it's not among the highest in the U.S.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Not specified, but one's chance of becoming a victim of a violent crime is 1 in 173.
Tracked Violent Crimes: Includes rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
Property Crime Rate: 20; chance of becoming a victim is 1 in 51. Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: When compared to other communities of similar population size, Bryan has a crime rate that is near the average.
Violent Crime: Violent crime in Bryan occurs at a rate higher than most communities in America, across all population sizes.
Property Crime: A significant portion of the crime in Bryan is property crime, with a rate higher than the national average.

Bryan, Texas, presents a complex picture when it comes to crime rates. On one hand, the city has an overall crime rate higher than most communities in both Texas and the United States. On the other, when compared to communities of similar size, Bryan's crime rate is closer to average. The city is particularly challenged by high rates of violent crime, which occurs more frequently than in most American communities, regardless of size. Property crime is also a concern, with rates above the national average. As such, Bryan would benefit from a multi-faceted approach to crime reduction that includes law enforcement initiatives, community programs, and social services designed to address underlying causes and improve overall safety.

Choice of 6 insurance coverage in Bryan, TX.

Law/Ordinance Coverage:

What it is: If a mobile home gets damaged and needs repair or replacement, this coverage pays for any increased costs due to current building codes or ordinances.

Why it's needed: Building regulations change over time. This ensures homes are rebuilt to current standards without out-of-pocket expenses.

Actions Within Control:

What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects.

Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.

Regular Wear and Tear:

What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time.

Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

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.

Treatment of Manufactured Home as Real Property:

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

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 Bryan, TX

If you're in the market for a mobile or manufactured home in Bryan, 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 Bryan.

Stone Haven Community (Bryan, Texas)

Location: 2103 Tabor Rd, Bryan, Texas 77803

Contact: Phone: (979) 778-9511

Overview: Stone Haven is a premier gated community located in Bryan, Texas. It offers a pleasant neighborhood atmosphere, paved streets and parking, residential-sized lots, well-manicured lawns, and amenities like an 8x10 mini-storage unit with each lot. They have professional on-site management, a newsletter, Yard of the Month contest, and offer a high level of resident satisfaction, earning them an A+ rating with the Better Business Bureau.

Village Park North (Bryan, Texas)

Location: 4413 N Texas Ave, Bryan, TX 77803
Type of Community: All-ages community
Office Phone: (979) 822-5930
Lot Rent Range: $450 - $750 per month
Community Owner Type: Company, privately held
Water Type: City
Sewer Type: City provided
Street Width: Average
Parking: Off-street
Street Type: Paved
Climate Zone Rating: HOT-HUMIDLESS

Westwood MHP (Bryan, Texas)

Location: 1101 Commerce St., Bryan, TX 77803

Contact: Phone: 979-822-5930,

Overview: Westwood, located in Bryan, Texas, offers an excellent location. Close proximity to schools, parks, dining options, and Texas A&M University. The community provides a welcoming place to call home, complete with friendly neighbors. Residents can enjoy the convenience of nearby amenities. Westwood MHP is part of Impact Cares, a program that partners with volunteers to improve the lives of residents in manufactured home communities through home repair projects.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Bryan, TX. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Bryan, TX

It's essential to compare quotes from various insurance providers and work with local agencies that understand Bryan's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

These are some things you should look out for in an insurance plan for Bryan:

Reasoning: Bryan experiences severe thunderstorms. This endorsement provides coverage for reinforcing or upgrading your mobile home’s roof to withstand hail and severe weather associated with thunderstorms.

Reasoning: Creek flooding can be a concern. This coverage offers protection for the installation of creek flooding alert systems in your RV, providing advance warnings of potential flooding.

Reasoning: If you commute to nearby College Station for work or activities, this endorsement offers discounts for mobile homes whose residents commute regularly to College Station.

Reasoning: Addressing property crime risks, this coverage provides for the installation of burglar-resistant doors and windows for your mobile home.

Reasoning: Exploring the Brazos Valley region is common. This coverage offers specialized liability protection for accidents or injuries related to recreational activities in the Brazos Valley.

Reasoning: Low water bridges are present in the area. This coverage addresses damages or incidents related to navigating low water bridges while traveling in your RV.

Now that you've got the lowdown on mobile home insurance coverage in Bryan TX, don't hesitate to get a CoverTree quote now.