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

Welcome to College Station, Texas - A Beacon of Academic Excellence, Southern Tradition, and Community Spirit

College Station is a city where scholarly pursuits harmonize with Southern hospitality to create an atmosphere that is both intellectually stimulating and warmly welcoming. Nestled in the heart of the Brazos Valley and home to Texas A&M University, College Station serves as a hub of research, education, and tradition, offering a distinctive Texan experience that blends academic rigor with community warmth.

The story of College Station is inextricably linked to Texas A&M University, an institution that predates the city itself. Founded in 1876 as the Agricultural and Mechanical College of Texas, the university's growth and prominence led to the rise of a vibrant community around it, eventually establishing College Station as a city in 1938. The university not only contributes to the city's intellectual landscape but also imbues it with rituals and traditions, like the famed "Aggie Muster" and "Midnight Yell," that enrich the local culture.

But College Station is not merely an academic outpost; it is a city that revels in its Texan identity. From rodeos and country music concerts to traditional Southern eateries serving up mouth-watering barbecue and Tex-Mex dishes, College Station proudly showcases its heritage. Historic sites, like the nearby George Bush Presidential Library and Museum, add further layers to the rich tapestry of the city's history.

Nature, too, plays a vital role in shaping College Station's character. The city is blessed with several parks and recreational areas such as Lick Creek Park and the John Crompton Park, where residents and visitors can engage in a variety of outdoor activities from hiking and cycling to fishing and picnicking. For those interested in golf, the city offers challenging courses set against the backdrop of the scenic Brazos Valley.

Adding another dimension to College Station's charm is its commitment to the arts. The city houses multiple galleries, theaters, and venues that host musical performances, art shows, and cultural events year-round. Annual events like the Starlight Music Series encapsulate the city's love for community gatherings centered around art and music.

And while Texas A&M football may capture the lion's share of attention during the season, the city offers a range of other sporting activities, from tennis and swimming to baseball, often played at top-notch facilities that are a testament to the city's investment in sports and recreation.

Not to be overlooked are some lesser-known facts about College Station, such as its leading role in research sectors like engineering and agriculture, and its active participation in sustainability initiatives. The community's collaborative efforts to maintain a high standard of living are evident in its range of quality public services, from excellent schools to well-maintained public spaces.

From the hallowed halls of academia to its bustling eateries, from serene parks to bustling sports venues, College Station offers a diverse and enriching experience. Whether you're here to delve into scholarly research, explore Texan traditions, or simply savor the essence of a closely-knit community, College Station welcomes you with open arms. Come and experience the blend of intellect, culture, and genuine Southern warmth that makes College Station a city like no other.

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 College Station, TX.

Weather Risks:

Strong Wind & Tornadoes

Description: College Station is susceptible to strong winds, and given its location in Texas, it is also at some risk for tornadoes. High wind speeds can pose a significant threat to less sturdy structures like mobile homes and RVs.

Implications for Mobile/Manufactured Home and RV Owners: Risk of structural damage due to strong winds, including overturning of mobile homes or RVs. Potential for flying debris to break windows or puncture walls, leading to water and wind damage inside the home.

Precautions: Install storm tie-downs or anchors to secure mobile homes and RVs. Have a tornado emergency plan and a secure location to go to in case of tornado warnings.

Heavy Rain & Flooding

Description: Heavy rains can lead to flash floods, particularly dangerous for low-lying areas or places with poor drainage systems.

Implications for Mobile/Manufactured Home and RV Owners: Floodwaters can quickly inundate mobile homes and RVs, causing water damage to the structure and interior. Moving a mobile home or RV in flooded conditions is risky and could lead to accidents.

Precautions: Be aware of your site's elevation and whether it is prone to flooding. Make arrangements for a higher-ground location to move your mobile home or RV to in case of flood warnings.

Lightning & Fire Danger

Description: Lightning strikes are common during thunderstorms and can spark fires, especially in dry conditions.

Implications for Mobile/Manufactured Home and RV Owners: Increased risk of fire due to a lightning strike. Mobile homes and RVs may be constructed of materials that can catch fire more easily than traditional homes. Electrical systems could be compromised, leading to additional fire risk or damage.

Precautions: Install lightning rods or other protective measures to divert electrical charges. Regularly inspect electrical wiring and gas connections and have fire extinguishers readily available.

By understanding the risks and taking preventive steps, owners of mobile or manufactured homes and RVs in College Station can mitigate the potential damage caused by these weather-related events.

Recommended Neighborhoods in College Station, TX.

Property Crime Rates in College Station, TX.


Overall Crime Rate: 23 per 1,000 residents
Chance of Becoming a Victim: 1 in 44

Comparison with Texas and the U.S.

State Comparison: Higher than 82% 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 506.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 21; chance of becoming a victim is 1 in 48.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: When compared to similarly sized cities, College Station's crime rate is near the average, neither much more nor less dangerous.
Violent Crime: The rate of violent crime is higher than in most communities of all population sizes in America, but the individual risk remains relatively low (1 in 506).
Property Crime: Property crimes constitute a significant portion of overall crimes, with a rate higher than the national average.

College Station, Texas, has a mixed crime profile. While the overall crime rate is higher than the national average and most of Texas, it aligns closely with similarly sized cities. Violent crime, although higher when compared to most American communities, presents a relatively low individual risk. However, the prevalence of property crime suggests a need for focused intervention in this area. Strategies for improving safety in College Station may include an increased police presence, community engagement programs, and social interventions aimed at addressing the root causes of property crime. Given the higher likelihood of property crimes, residents and local authorities should prioritize measures to secure homes and vehicles.

Choice of 6 insurance coverage in College Station, TX.

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.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

Additional Living Expenses:

What it is: Covers living costs if a homeowner must temporarily relocate due to a covered loss.

Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.

Personal Property Replacement Cost:

What it is: Covers the cost of replacing personal belongings at current market prices without considering depreciation.

Why it's needed: Assures homeowners can replace items without worrying about their depreciated value.

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 College Station, TX

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

Gateway at College Station

Type: Apartment complex near Texas A&M University.

Features: Offers various floor plans with amenities like a clubhouse, private study rooms, individual leases, package notification system, coffee bar, fitness center, pools, sports courts, pet-friendly policies, and roommate matching services.

Location: Within walking distance to Kyle Field and on the Texas A&M Shuttle Route 36.

Contact: Located at 117 Holleman Dr W, College Station, TX 77840-6319, with office hours Monday through Sunday.

Glen Oaks MHP

Type: Family-friendly manufactured home community.

Features: Located in College Station, Texas, it offers a relaxed setting with easy access to amenities and highways. Pet-friendly community with affordable homeownership opportunities.

Community Manager: Jennifer Thomas manages the property, bringing extensive property management experience to the community.

Location: Situated at 4303 Pate Road, College Station, TX 77845. Office Hours: Monday - Friday: 8 am - 5 pm.

Oak Forest Mobile Home Park

Type: Mobile home park for home owners.

Amenities: Offers a community-exclusive swimming pool, clubhouse, water included in lot rent, on-site staff, trees on most lots, off-street parking, and street lights.

Location: Conveniently located near Texas A&M University, Wal-Mart, shopping, dining, and entertainment options.

History: Established in 1969, it aims to provide a quiet and friendly community for home owners.

Address: 301 Krenek Tap Road, Attn to: Manager’s Office, College Station, TX 77840.

Contact: Office phone (979) 693-5206, and office fax (979) 693-1656.

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

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

Reasoning: College Station is home to Texas A&M University. Show your Aggie spirit with this endorsement, which offers coverage for exterior decorations and flags representing the university.

Reasoning: Tailgating at college events is a popular tradition. This coverage provides specialized liability protection for accidents or injuries that might occur during tailgating activities in College Station.

Reasoning: Gardening is a common hobby. This endorsement provides coverage for the installation and maintenance of gardens, including protection against theft of gardening equipment.

Reasoning: Active participation in security patrol programs in College Station can enhance safety. This endorsement offers discounts or coverage enhancements for residents who participate in local security patrols.

Reasoning: College towns offer various recreational activities. This coverage offers specialized liability protection for accidents or injuries related to recreational activities specific to College Station.

Reasoning: Show your school spirit with this coverage, which provides protection for Aggie-themed decorations and equipment on your RV.

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