Any questions?
(877) 417-8733

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

Welcome to Flower Mound, Texas - a city that harmoniously intertwines its commitment to community, conservation, and cultural vitality. Situated in the Dallas-Fort Worth Metroplex, Flower Mound may be enveloped by urban sprawl, but it stands out as a sanctuary of natural wonders, community values, and rich traditions.

Named for a prominent 12.5-acre mound covered in native wildflowers, the city itself is a tribute to the majestic beauty that nature bestows. From the Mound, which has been designated as a historical site, to the sumptuous banks of Grapevine Lake, Flower Mound is a haven for those who love the outdoors. The city's extensive network of parks and trails, like the Northshore Trail, offers residents and visitors an invitation to explore its lush landscapes, whether it be through hiking, biking, or kayaking. But Flower Mound is not merely a tribute to nature's beauty; it's a community that prides itself on a strong sense of belonging and collective identity. The city places a high priority on education, as evidenced by its top-ranked public schools and initiatives that encourage community learning and participation. The Flower Mound Public Library serves not just as a repository of books, but as a community center where people of all ages can engage in educational and recreational activities.

Cultural richness also plays a central role in shaping the city's identity. Annual events such as the Flower Mound Independence Fest and the Christmas Parade & Tree Lighting Ceremony serve as cultural keystones that bring the community together in celebration. The local art and music scenes are vibrant, supported by venues like the Flower Mound Performing Arts Theatre, which hosts an array of performances from classical concerts to contemporary plays.

The culinary landscape in Flower Mound is equally diverse, reflecting the multicultural fabric of its population. From authentic Texan barbecue joints to fine dining establishments offering international cuisine, the city's food scene caters to a plethora of tastes and preferences. The local farmers' market adds another layer of culinary delight, offering fresh produce and artisanal goods that celebrate the bounty of the land.

One of Flower Mound's lesser-known gems is its commitment to environmental sustainability. The town has developed a Comprehensive Master Plan with a strong focus on environmental stewardship, designed to preserve the city's natural landscapes for future generations. It's a forward-thinking approach that not only protects Flower Mound's beautiful surroundings but also serves as a model for other communities.

From its glorious natural settings to its tight-knit community, from its cultural festivals to its myriad gastronomic delights, Flower Mound presents a diverse and enriching experience. Whether you are drawn to the serenity of natural vistas, the warmth of community gatherings, or the allure of cultural and culinary explorations, Flower Mound beckons you to discover its many treasures. Come, be a part of this extraordinary Texas town where life blooms in all its varied splendor.

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 Flower Mound, TX.

Weather Risks:

Flower Mound, Texas, experiences a variety of weather-related risks that could pose significant threats, especially for mobile home and RV owners. Let's focus on three primary weather hazards: tornadoes, flash floods, and severe thunderstorms with lightning.


Implications for Mobile Home and RV Owners: Tornadoes are especially hazardous for mobile home and RV owners. These structures are generally not anchored to the ground in the same way that permanent homes are, making them highly susceptible to being overturned or destroyed by strong winds.

Safety Measures: Evacuate your mobile home or RV and seek sturdy shelter immediately when a tornado warning is issued. Know where the nearest public tornado shelter is located and have a plan to get there quickly. Always keep an "emergency go-bag" packed with essential items such as water, non-perishable food, flashlights, batteries, and important documents.

Flash Floods

Implications for Mobile Home and RV Owners: Flash floods can occur quickly, turning roads into rivers and parking lots into ponds. Mobile homes and RVs are at high risk during floods as fast-moving water can easily move these lighter structures.

Safety Measures: Keep an eye on weather forecasts and flood advisories. Do not park your mobile home or RV in low-lying areas prone to flooding. Have an evacuation plan and a pre-identified higher ground location where you can move your mobile home or RV in case of a flood warning. Use the town’s emergency notification system to get timely information about flood risks.

Severe Thunderstorms and Lightning

Implications for Mobile Home and RV Owners: Metal structures like mobile homes and RVs can act as conductors during lightning storms, making them potentially dangerous places to be during severe weather. Additionally, severe thunderstorms can bring damaging winds and hail that can break windows and cause structural damage.

Safety Measures: Be aware of Flower Mound's lightning detection systems and their warnings. Unplug electrical devices and stay away from windows during severe thunderstorms. Consider installing surge protectors in your mobile home or RV to protect against electrical damage. If possible, move your mobile home or RV to a sheltered location to protect against wind and hail damage.

For mobile home and RV owners in Flower Mound, it's crucial to understand these weather risks and take appropriate precautions. Have emergency kits ready, know your evacuation routes, and use the local warning systems to your advantage. Always prioritize safety, especially during severe weather events.

Recommended Neighborhoods in Flower Mound, TX.

Property Crime Rates in Flower Mound, TX.


Overall Crime Rate: Not specified
Chance of Becoming a Victim: 1 in 142

Comparison with Texas and the U.S.

State Comparison: Safer than 70% of Texas communities.
National Comparison: Safer than 65% of U.S. cities and towns. Ranked as one of the top 100 safest cities in the U.S.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 1; chance of becoming a victim is 1 in 1,379.
Tracked Violent Crimes: Includes assault, rape, murder, and armed robbery.
Property Crime Rate: Data not specified; chance of becoming a victim is 1 in 159.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: Among cities of similar population size, Flower Mound has one of the lowest crime rates in the nation.
Violent Crime: Extremely low; significantly below the national average for communities of all sizes.
Property Crime: Also below the national average; property crimes are relatively infrequent.

Flower Mound, Texas, emerges as an impressively safe community based on the data provided. It is safer than the majority of communities in both Texas and the United States as a whole. With a 1 in 1,379 chance of becoming a victim of violent crime and a 1 in 159 chance for property crimes, Flower Mound stands out as a secure environment, particularly among cities of similar size. The exceedingly low rates of both violent and property crimes suggest a strong and effective local law enforcement presence, as well as a community that is likely highly engaged in crime prevention activities. This type of environment often positively influences property values, quality of life, and community cohesion. Given these favorable conditions, Flower Mound should continue its crime prevention efforts and community engagement to maintain or even improve its current safety levels.

Choice of 6 insurance coverage in Flower Mound, TX.

Scheduled Personal Property Coverage:

What it is: Increases the coverage amount for specific, valuable personal property items.

Why it's needed: Standard policies might not fully cover high-value items. This customization ensures adequate coverage.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

In Motion:

What it is: Coverage specifically designed for mobile homeowners who frequently relocate their homes, offering protection against damages or losses that might occur while the manufactured home is being transported or is "in motion."

Why it's needed: Provides financial security against various risks such as accidents, adverse weather conditions, or other unforeseen events when transporting a mobile home.

Sewer or Drain Backup:

What it is: Protection against damages from water or sewage backing up into the home.

Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.

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.

Roof Surface Extension:

What it is: Provides supplemental coverage for roof damage not included in standard policies.

Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.

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 Flower Mound, TX

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

The Parks

Location: 2709 Justin Road, Flower Mound, TX 75028

Community Features: All Ages Community Pet Policies: Pets allowed, but with restrictions (small animals only) Off-Street Parking Year Built: 1994 Number of Sites: 36 Multisection Homes: 20% Homes with Peaked Roofs: 100% Homes with Lap Siding: 30% Distance to water: 1.7 Miles

Village Oaks Mobile Home Park

Location: 2143 Royal Oaks, Flower Mound, TX 75022

Community Features: All Ages Community Pets Allowed: Yes Off-Street Parking Street Width: Narrow Street Type: Paved Age Restrictions: No Number of Sites: 96 Homes with Peaked Roofs: 20% Homes with Lap Siding: 50% RV Sites: 20% Distance to water: 0.3 Miles

Cowtown Home Center

Location: Fort Worth, Texas Offers mobile homes with hassle-free home buying.
They aim to provide the best-built mobile homes at an affordable price while being transparent and honest throughout the process.
Their homes feature inclusive pricing, and they offer a price-beating policy if you find a similar home for less.
Here are some featured homes they offer:
Jessup Roosevelt: 3 bedrooms, 2 bathrooms, 1680 sq. ft., priced at $124,990.
Jessup Tex Flex: 3 bedrooms, 2 bathrooms, 1680 sq. ft., priced at $129,990.
Jessup Jackson: 3 bedrooms, 2 bathrooms, 1191 sq. ft., priced at $79,990.

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

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

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: 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: 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 Flower Mound.

Reasoning: Exploring nature trails is popular. This coverage offers specialized liability protection for accidents or injuries related to recreational activities on local nature trails.

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 Flower Mound TX, don't hesitate to get a CoverTree quote now.