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

Welcome to DeSoto, Texas - a city where community spirit and cultural richness coalesce to form an invigorating and nurturing atmosphere. Located in the Dallas-Fort Worth Metroplex, DeSoto may appear to be another Dallas suburb on the surface, but delve deeper and you'll discover a city that pulses with its own unique rhythm and essence.

Founded in the 1840s and named for Spanish explorer Hernando DeSoto, the city has undergone remarkable transformations over the years. The legacy of its early pioneers resonates through historical landmarks, such as the Nance Farm, which stands as a testament to DeSoto's agricultural past. Over the decades, the city has blossomed into a bustling suburban haven that elegantly harmonizes its history with contemporary life.

While DeSoto may not boast a colossal skyline, it finds its strength in its natural beauty and community spaces. Parks like the Windmill Hill Nature Preserve offer residents and visitors an escape to tranquility, with trails that meander through lush landscapes, inviting one to pause and relish the serenity of the great outdoors. For those interested in athletics, the city features facilities like the DeSoto Recreation Center that contribute to the community's physical well-being.

One of the city's most defining features is its cultural diversity and commitment to community involvement. DeSoto's cornerstone events, like the Crawfish Festival and the annual Christmas Parade, reflect the rich tapestry of cultures and traditions that make up its demographic. These gatherings serve as both celebrations and unifying factors, further enhancing the city's sense of togetherness.

Adding to its allure, DeSoto is a hub for artistic endeavors. The Corner Theatre is not just a venue for local productions; it's a catalyst for cultural enrichment and a platform for artists to connect with the community. From music and drama to visual arts, the city actively promotes and sustains a diverse range of artistic expressions, adding vibrant colors to its cultural landscape. Unveiling a lesser-known aspect of DeSoto—did you know the city has been recognized for its efforts in sustainable urban development? The 'All-America City' award bestowed upon DeSoto speaks volumes about its dedication to creating a balanced and harmonious living environment for its residents.

Whether it's the pulse of community activities, the peaceful solitude of nature, or the captivating world of arts and culture, DeSoto offers a sanctuary where one can experience a rich blend of life's offerings. Come explore this vibrant Texas gem where every facet—be it history, nature, or culture—invites you to engage, enjoy, and be enchanted. Let the spirit of DeSoto captivate you and create a mosaic of memorable experiences.

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 DeSoto, TX.

Weather Risks:

Tornadoes and Strong Winds

Description: Given DeSoto's high tornado index value, the area is at substantial risk for tornadoes and strong winds. Tornadoes can produce extreme winds that can cause devastating damage.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs are particularly vulnerable to being overturned or destroyed by tornadoes or high winds. Possibility of flying debris causing additional damage to mobile homes or RVs.

Precautions: Have a sturdy storm shelter nearby and a clear plan to reach it in case of tornado warnings. Consider installing storm tie-downs or anchors to secure mobile homes to the ground.

Heavy Rain and Flash Flooding

Description: Flash flooding seems to be a significant concern, with a history of flood events in the area. Heavy rain can quickly cause urban and small stream flooding.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs are typically not elevated, making them vulnerable to flood damage. Floodwaters can enter the home, causing structural damage and loss of personal property.

Precautions: Be aware of the local flood zones and consider moving your mobile home or RV to higher ground when flood advisories are issued. Have a flood emergency kit, including vital documents, ready to go.

Extreme Heat

Description: DeSoto is projected to experience an increasing number of hot days per year, reaching temperatures above 101ºF.

Implications for Mobile/Manufactured Home and RV Owners: Extreme heat can make living in a mobile home or RV uncomfortable or dangerous, especially if air conditioning is inadequate or fails. Potential for heat-related illnesses like heatstroke or dehydration.

Precautions: Make sure your air conditioning system is in good working condition. Have an emergency kit with plenty of water and other essentials for surviving extreme heat conditions.

By understanding these risks, mobile or manufactured home and RV owners in DeSoto can take steps to safeguard their property and themselves during extreme weather events.

Recommended Neighborhoods in DeSoto, TX.

Property Crime Rates in DeSoto, 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 81% of Texas cities and towns.
National Comparison: Higher than the national average but not among the communities with the highest crime rates.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 3; chance of becoming a victim is 1 in 326.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
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 similarly sized cities, DeSoto's crime rate is near the average.
Violent Crime: DeSoto has a higher rate of violent crime than most American communities, with a particularly elevated murder rate.
Property Crime: A significant portion of the overall crime rate is attributed to property crimes, which are higher than the national average.
Motor Vehicle Theft: DeSoto has one of the highest rates of motor vehicle theft in the nation, with a 1 in 272 chance of experiencing this crime.

DeSoto, Texas, faces various crime challenges, notably in violent crimes and property crimes. While the city's crime rates are somewhat average when compared to similarly sized cities, they are high when compared to both Texas and the U.S. averages. The particularly high rate of motor vehicle theft is a concerning issue that needs targeted intervention.
Given these crime statistics, strategies should include bolstering law enforcement presence, enhancing community policing, and implementing social programs aimed at reducing both violent and property crimes. Particular attention should be paid to combating motor vehicle theft, which stands out as an exceptionally high-risk crime in DeSoto.

Choice of 6 insurance coverage in DeSoto, TX.

Equipment Breakdown:

What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.

Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.

Enhanced Dwelling Protection:

What it is: Provides added coverage for rebuilding expenses that go over the policy's stated limit.

Why it's needed: Rebuilding costs can escalate due to factors like increased materials prices or changes in building codes. This ensures full coverage.

Foundation and Water Damage Coverage:

What it is: Specifically covers repairs linked to foundation or water damage.

Why it's needed: Foundation repairs are costly, and water damage can lead to further complications like mold. This add-on provides targeted protection.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

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.

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.

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 DeSoto, TX

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

Dynamic II

Type: Community in DeSoto, Texas.

Features: Offers a variety of amenities including playgrounds, basketball courts, an outdoor swimming pool, and a clubhouse. It's conveniently located near local restaurants, a grocery store, and gas stations.

Location: 1000 Hummingbird Drive, DeSoto, TX 75115.

Office Hours: Monday-Friday: 9 am - 6 pm, Saturday: 10 am - 2 pm, Sunday: By appointment only.

Contact: Phone (972) 230-2314.

Hampton Acres

Type: Community in DeSoto, Texas.

Features: Located near local attractions such as restaurants, grocery stores, and a recreation center. Amenities include a playground, picnic area, and keyed mailboxes. Resident activities and events are planned throughout the year.

Location: 102 Park Row Lane, DeSoto, TX 75115.

Office Hours: Monday-Friday: 9 am - 6 pm, Saturday: By appointment only,
Sunday: By appointment only. Contact: Phone (972) 223-5637.

Forest Glenn

Type: Community in Glenn Heights, Texas.

Features: Offers a blend of convenient access and quiet living, only 20 minutes from Downtown Dallas. Provides easy access to I-35, schools, shopping, restaurants, and entertainment. Various home options available.

Location: 1835 S Hampton Road, Glenn Heights, TX 75154. Contact: Phone (469) 410-7954.

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

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

Reasoning: Tornadoes can be a concern in North Texas. This endorsement provides coverage for the installation of a tornado safe room within your mobile home.

Reasoning: Some RV parks have security gates. This endorsement offers discounts for parking your RV in parks equipped with security gates.

Reasoning: Creek flooding is a risk in some areas. This coverage provides protection for the installation of creek flooding alert systems around your mobile home.

Reasoning: Active participation in local community watch programs can enhance security. This endorsement offers discounts or coverage enhancements for residents who participate in community watch programs in DeSoto.

Reasoning: North Texas can experience hailstorms. This coverage provides protection for reinforcing or upgrading your RV’s roof to withstand hail and severe weather.

Reasoning: Storing your RV in a secure facility is wise. This endorsement offers discounts for parking your RV in storage facilities equipped with security measures.

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