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Protecting Your Manufactured Home in Dallas, TX.

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

Welcome to Dallas, Texas -the glittering crown jewel of North Texas, a vibrant blend of modernity and southern charm, Dallas offers an array of experiences that captivate both locals and visitors alike. This dynamic city, with its myriad attractions and rich heritage, is a testament to the resilience and vision of its forebearers.

Established as a trading post in 1841 by John Neely Bryan, Dallas quickly became a focal point for the cotton and oil industries. Its strategic location, nestled by the railroads, made it a hub for business and commerce.The early 20th century witnessed Dallas's evolution as an industrial giant, especially with the discovery of the East Texas Oil Field. The subsequent economic boom positioned the city as an epicenter for finance and business.

In 1963, Dallas sadly became the backdrop for one of America's most tragic events, the assassination of President John F. Kennedy. Today, the Sixth Floor Museum at Dealey Plaza stands as a solemn reminder, offering deep insights into the life and legacy of the late president.

Post the oil boom, Dallas diversified its economic portfolio, delving into sectors like telecommunications, information technology, and healthcare, which laid the groundwork for its modern, thriving economy.

Dallas's Unique Flair:

The city's skyline is dotted with architectural wonders, from the gothic revival of the Kirby Building to the modernist aesthetic of the Perot Museum of Nature and Science. Dallas is home to a rich tapestry of cultures. This diversity is reflected in events like the annual State Fair of Texas, neighborhoods like the Bishop Arts District, and a thriving arts scene that spans theater, music, and dance. Cheer on America's team at AT&T Stadium, home of the Dallas Cowboys, or get swept up in the excitement with the Dallas Mavericks and the Dallas Stars. There's always a game to watch or a match to attend!

As a nexus of education and technology, Dallas boasts renowned institutions like Southern Methodist University and a booming startup scene, reflecting its legacy as a city of dreamers and doers. Yet, despite its bustling urban persona, Dallas offers serene retreats like White Rock Lake and the Great Trinity Forest, emphasizing its commitment to sustainability and green living.

The culinary landscape of Dallas is as vast as Texas itself. While it's renowned for its barbecue and Tex-Mex, the city's gastronomic offerings span the globe, showcasing its multicultural essence.Cultural Hub: Dive deep into the arts at the Dallas Arts District, the largest urban arts district in the U.S., where world-class institutions like the Dallas Museum of Art and the Nasher Sculpture Center await.

No matter your interests, Dallas promises an unforgettable experience. Rich in culture, steeped in history, and brimming with southern hospitality, the city beckons with a promise of exploration and discovery. Dallas is more than just a city; it's an experience. Its storied past, coupled with its forward-thinking vision, makes it a destination that beckons to those who seek to understand the soul of America's Southwest. Here, history intertwines with modernity, and tradition melds with innovation, offering a uniquely Dallas experience to all who visit.

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 Dallas, TX.

Weather Risks:

Dallas, Texas, known for its rich history, culture, and economic prowess, is no stranger to the challenges and vulnerabilities brought about by its geographical location. A plethora of weather-related risks come into play, directly impacting the lives of its residents, especially mobile home owners. Here, we dive deep into three core weather risks: flash flooding, hail, and the potential for super storms.

Flash Flooding and the Dangers of Rainfall:


Dallas-Fort Worth (DFW), ranking as the fourth largest metropolitan area in the U.S., faces frequent flash flooding due to its expansive urban stretch.


Heavy rains, a common occurrence in Dallas, have been linked to accidents from slippery roads and reduced visibility. The rapid onset of flash floods can be perilous, endangering residents and even leading to losses when they try to save pets or belongings. For mobile home owners, the damage can be severe, with homes often situated in vulnerable areas.


Recent advancements, like the High Resolution Flash Flood Forecasting system developed in 2015 by researchers at the University of Texas in Arlington, provide a ray of hope, offering timely alerts to residents and aiding in damage mitigation.

Hail - Dallas’s Costly Nuisance:


Dallas battles a significant hail problem, enduring hail storms that lead to large-scale financial damages. The city has witnessed hail events in the past that have cost billions in damages.


While hail may seem less concerning compared to other weather calamities, its repercussions are multifaceted. Large hailstones, with diameters exceeding an inch, pose physical threats to residents and can severely damage mobile homes. Moreover, studies, including those by John Allen, indicate a rise in hail occurrences over the past five decades, with Dallas experiencing larger hailstones relative to other regions.

Insurance Implications:

Mobile home owners need comprehensive coverage to offset hail-related damages, given the increasing frequency and severity of such events in Dallas.

Super Storms - The Looming Threat:


Dallas sits precariously in the path of the tornado valley. While tornadoes have frequented the region, experts, like Scott Rae and Jim Stefkovich, warn of a looming "super tornado." Simulations by the National Weather Service have underscored the city's vulnerability, showing potential paths leading to catastrophic damage.


Dallas's expanding urban matrix and congested highways make evacuation a daunting challenge. A super tornado could lead to irreplaceable losses, both in terms of human lives and infrastructure. Furthermore, winter storms like Uri in 2021, although rare, showcased the inadequacies in the state’s infrastructure, as power plants, primed for dealing with heat, faltered in freezing conditions. Such events jeopardize mobile home residents, who are often left without power or heat.

Insurance Implications:

Given the multitude of weather risks, mobile home owners in Dallas need a safety net, making comprehensive insurance coverage indispensable.

In conclusion, as climate change continues to redefine weather patterns, it's essential for residents, particularly mobile home owners, to be cognizant of the inherent risks associated with living in Dallas. A judicious combination of awareness, preparedness, and appropriate insurance coverage can go a long way in ensuring safety and financial security.

Recommended Neighborhoods in Dallas, TX.

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

Best Dallas Schools by Neighborhood:




Property Crime Rates in Dallas, TX.

Dallas, a vibrant city in Texas, showcases a diverse crime landscape when analyzed in comparison to other American cities. While certain aspects of its crime data are alarming, it's essential to understand the nuances to gain a holistic view.

Key Points:

While Dallas displays a varied crime landscape with both violent and property crimes, property crimes, especially motor vehicle thefts, significantly contribute to its overall crime rate. It is imperative for residents and prospective visitors to be aware of these statistics, helping them make informed decisions and adopt necessary precautions.

Choice of 6 insurance coverage in Dallas, TX.

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.

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.

Windstorm and Hail Coverage:

What it is: Protects against damages from windstorms and hail.

Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.

Business Property:

What it is: Extends coverage to business property stored or used in the home.

Why it's needed: For those who run a home-based business or store business items at home, it ensures they're financially protected.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

Cyber Protection:

What it is: Similar to Cyber Security Coverage, it offers a wider range of protections, including digital assets, personal data, and even potential cyber bullying incidents.

Why it's needed: As our lives become more digital, the potential risks we face grow, making comprehensive cyber protection increasingly essential.

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 Dallas, TX

have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Dallas.

Palm Harbor Village

Location: 4405 I-30, Mesquite, TX 75150
Brands Offered: Cavco Homes, Fleetwood Homes, Palm Harbor Homes, Cavco, Solitaire Homes
About: Palm Harbor Homes has decades of experience helping families find their forever home. They specialize in single, double, and move-in-ready mobile homes in Mesquite, Texas. Their team can assist with the home financing process, answering credit questions, and navigating every step of the home buying journey.

Willow Lakes

Location: 13223 Fish Road #141, Dallas, TX 75253
Amenities: Swimming pool, storage sheds, picnic area, keyed mailboxes, walking trails, playground, resident events and activities.
Proximity: Located in Dallas, south of Mesquite. Minutes from downtown Dallas with local conveniences like shopping, dining, and entertainment.

Brookside Village

Location: 14900 Lasater Road, Dallas, TX 75253
Homes Available: 2 BD | 2 BTH | 1080 SQ FT | BUY: $65000 | RENT FROM: $1229/MONTH
Amenities: Swimming pool, playground, clubhouse, storage sheds, picnic area, keyed mailboxes, grass rec area. Proximity: Located outside of Dallas off I-20 with easy access to highway 175. Nearby local conveniences like gas stations, grocery stores, and dining.

Mesquite Ridge

Location: 14222 Lasater Road, Dallas, TX 75253
Homes Available: 3 BD | 2 BTH | 1216 SQ FT | RENT FROM: $1350/MONTH
Amenities: Playground, clubhouse, storage sheds, keyed mailboxes. Proximity: Situated off I-20 for easy commuting in and out of Dallas. Local conveniences include grocery stores, gas stations, and dining.

Quail Run

Location: 903 South Main Street, Hutchins, TX 75141
Homes Available: 3 BD | 2 BTH | 1216 SQ FT | BUY: $66400 | RENT FROM: $1299/MONTH
Amenities: Swimming pool, playground, clubhouse, picnic area, keyed mailboxes, grass rec area. Proximity: A peaceful country atmosphere just twenty minutes from Dallas, with nearby grocery stores, restaurants, and shopping centers.

Arbor Springs

Location: 272 West Lawson Road, Dallas, TX 75253
Homes Available: 3 BD | 2 BTH | 1216 SQ FT | BUY: $87000 | RENT FROM: $1599/MONTH
Amenities: Swimming pool, playground, clubhouse, storage sheds, keyed mailboxes. Proximity: Minutes from downtown Dallas with easy access to interstates and highways for convenient commuting.

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

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

Given Dallas’s relatively high property crime rate, coverage for the contents of the mobile home—like electronics, furniture, and appliances—is crucial.

Given the potential for strong storms in Texas, ensuring coverage against wind and hail damage is crucial.
Dallas can be prone to flooding, so even if you’re not in a designated flood zone, it’s wise to consider flood insurance. Remember, standard mobile home policies typically don’t cover flooding.
Tornados can be a concern in Texas; ensuring you’re covered against such events is important.
Considering Dallas’s high rate of motor vehicle thefts, if your mobile home includes integrated motor components (like in some park model RVs), it’s wise to have them insured.

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



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