Any questions?
(877) 417-8733

Protect Your Manufactured Home in Carrollton, TX.

Covertree’s Comprehensive Guide.

Powered by

Disclaimer: Data Accuracy and Sources

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 Carrollton, TX: Costs, Coverage, and Considerations

Welcome to Carrollton, Texas - where urban advancements embrace nature's wondrous serenade, and Texas charm meets urban sophistication in a blend that captivates the heart and stimulates the mind.

Situated in the vibrant Dallas-Fort Worth metroplex, Carrollton offers a welcoming environment with a diverse array of attractions, activities, and experiences that make it more than just a suburb—it’s a microcosm of what makes Texas great.

The historic origins of Carrollton trace back to the early 1840s when settlers first established a community near the Elm Fork of the Trinity River. The early influences of agriculture and railroads have evolved into a modern city that values both progress and tradition. Take a stroll down Historic Downtown Carrollton, where charming vintage shops and modern eateries coexist in beautifully restored buildings, offering a taste of the old and new.

Nature is not a hidden treasure in Carrollton but a celebrated gem. The city boasts a range of parks and green spaces like the Elm Fork Nature Preserve—a haven for local flora and fauna, as well as those seeking a tranquil escape from urban life. The Carrollton Greenbelt Park System is another highlight, with extensive trails for hiking, jogging, and biking, connecting residents to the natural beauty that surrounds them.

Yet, Carrollton isn't just about history and natural allure; it's a hub of cultural activity and community engagement. The city is home to several cultural festivals and community events throughout the year, like the Festival at the Switchyard, which celebrates Carrollton's railroad roots with music, food, and family activities. Music and art are integral to the city's identity, showcased through various events and venues, offering everything from live music performances to art exhibitions.

Proximity to Dallas and Fort Worth provides Carrollton residents with additional cultural and recreational opportunities, but Carrollton itself offers a wide array of shopping, dining, and entertainment options. For foodies, the city's culinary scene presents an eclectic mix—ranging from Texas barbecue to international cuisines, capturing the diverse palate of its community.

What many may not know is Carrollton's commitment to sustainability. The city has received several awards for its environmental initiatives, showcasing its efforts to be a green and sustainable community. In Carrollton, you'll find multiple farmers' markets and eco-friendly programs that underline the city's commitment to sustainable living.

From its historical roots to its cultural vibrancy and love for the environment, Carrollton offers a well-rounded experience for both residents and visitors. Whether you are in the mood for a historical exploration, an outdoor adventure, or a cultural outing, Carrollton has something for everyone.

Come discover this wonderful city where the essence of community spirit blends effortlessly with the virtues of modern living, and create memories that last a lifetime.

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 Carrollton, TX.

Weather Risks:

Lightning, Microburst, Tornado & Thunderstorm Risk

Description: Thunderstorms and lightning events are generated by a combination of factors such as unstable warm air rising, moisture, and colliding air currents. These can result in not only heavy rainfall but also lightning strikes that can cause fires and electrical damage. Carrollton also has had recent brushes with microbursts, tornado strikes and massive thunderstorms (and hurricanes to boot)!

Implications for Mobile/Manufactured Home and RV Owners: Ensure your mobile home or RV is not the tallest object in the area, as lightning seeks the highest point. Installing a lightning rod may provide some protection. Consider unplugging electrical devices to prevent surges from lightning strikes. Evacuate to a more sturdy structure if a severe thunderstorm is predicted.

Winter Storm Risk

Description: Texas experiences a variety of winter storms, including snowstorms, blizzards, cold waves, and ice storms. These are most common from late November to mid-March but can occur outside this period.

Implications for Mobile/Manufactured Home and RV Owners: Insulate water pipes to prevent freezing. Keep extra blankets, food, and water, as well as a battery-powered radio in case of power outages. Mobile homes and RVs are generally not as well-insulated as traditional homes, making them vulnerable to the cold. Consider evacuating to a more secure location during severe winter storms.

Drought Risk

Description: Drought is a frequent issue in Texas, particularly in the arid and semi-arid regions west of Interstate 35. The conditions can last for extended periods and impact water supplies.

Implications for Mobile/Manufactured Home and RV Owners: Water scarcity can be a significant issue, especially for RV owners who rely on stored water. Increased fire risk during drought conditions, which is especially hazardous for wooden or partially wooden structures like some mobile homes. Implement water-saving measures such as low-flow faucets and collecting rainwater for non-potable uses.

Given the high wind and tornado risks, take the time to secure outdoor items and consider installing storm shutters or reinforced roofing for added protection. Consult local resources and websites like offer a wealth of information tailored for different needs, including seniors and individuals with disabilities.

Recommended Neighborhoods in Carrollton, TX.

Property Crime Rates in Carrollton, TX.


Overall Crime Rate: 16 per 1,000 residents
Chance of Becoming a Victim: 1 in 62

Comparison with Texas and the U.S.

State Comparison: Higher than 68% of Texas cities and towns.
National Comparison: Higher than the national average but not among the very highest in the U.S.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 2; chance of becoming a victim is 1 in 611.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter.
Property Crime Rate: 15; chance of becoming a victim is 1 in 69.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: Compared to similarly sized cities, Carrollton's crime rate is noticeably lower, making it safer than most.
Violent Crime: Carrollton's violent crime rate is about average for all communities in America, regardless of size.
Property Crime: A significant part of the crime in Carrollton is property crime. The rate is higher than the national average.

Carrollton, Texas, exhibits a varied crime profile. While it has a higher overall crime rate than the national average and a majority of Texas cities, it fares better when compared to cities of a similar size. Violent crime rates are on par with national averages, offering a more reassuring picture for residents and authorities. However, the prevalence of property crimes in the city indicates that there is room for improvement. Carrollton could benefit from a comprehensive strategy that includes increased law enforcement focus on property crimes and community engagement programs designed to preempt and address criminal activities effectively.

Choice of 6 insurance coverage in Carrollton, TX.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

Golf Cart Coverage:

What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.

Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.

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.

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.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

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 Carrollton, TX

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

Sandy Lake RV Community

Type: All-age RV resort.

Location: Carrollton, Texas, in the Dallas-Fort Worth Metroplex.

Features: Offers various RV site options with full hookups, including pull-through and back-in sites.
Provides amenities such as a swimming pool, playground, laundry facilities, and WiFi access.

Special Offers: Discounts available, including a military discount and weekly stay savings. Nearby Attractions: Close to Dallas-Fort Worth area attractions.

Eagle Ridge

Type: Residential community.

Location: Lewisville, Texas, with access to local conveniences.

Features: Amenities include an outdoor swimming pool, playground, clubhouse, RV and boat storage, and keyed mailboxes.

Nearby Schools: Serves the Independence Elementary School and Killian Middle School districts.

Available Homes: Offers homes for sale and rent within the community.

Oak Park Village

Location: Less than thirty minutes from downtown Dallas, with easy freeway access.

Features: Amenities include a playground, keyed mailboxes, and a community center.

Nearby Attractions: Conveniently located near Grapevine Mills Mall, DFW Airport, and local restaurants.

Available Homes: Offers homes for sale, including a 3-bed, 2-bath home on Ruby Road.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Carrollton, 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 Carrollton, TX

It's essential to compare quotes from various insurance providers and work with local agencies that understand Carrollton'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 Carrollton:

Reasoning: Hailstorms are common in the region. This endorsement provides coverage for reinforcing or upgrading skylights with hail-resistant materials for your mobile home.

Reasoning: If you frequently visit local RV parks, this endorsement offers discounts or coverage enhancements for memberships at participating parks in the Carrollton area.

Reasoning: Some mobile home communities offer golf course views. This endorsement provides discounts for homes located in communities with golf course views.

Reasoning: Enhancing your landscaping can improve curb appeal. This coverage offers protection for the replacement or repair of landscaping elements damaged by severe weather or accidents.

Reasoning: Boating in nearby lakes is a popular activity. This coverage offers specialized liability protection for accidents or injuries related to boating activities in the area.

Reasoning: Protecting your RV from sun and weather exposure is important. This coverage provides protection for the installation or maintenance of carports or awnings for your RV.

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