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Protecting Your Manufactured Home in Fort Worth, TX.

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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 Fort Worth, TX: Costs, Coverage, and Considerations

Welcome to Fort Worth, Texas -the city of cowboys, culture, and unwavering charm! In the vast expanse of the Lone Star State, where the modern merges seamlessly with the historical, Fort Worth stands tall and proud as a beacon of Texan spirit and heritage. Fondly known as the place "Where the West Begins," Fort Worth offers a unique blend of cowboy bravado and cosmopolitan sophistication, making it a city that both captivates the imagination and warms the heart.

At the heart of Fort Worth is the Stockyards National Historic District, a place where one can still witness cattle drives, just as it was done over a century ago. With its vintage brick walkways and wooden corrals, the Stockyards is more than just a destination—it's a journey back in time, an ode to the city’s storied past as a hub of the cattle industry. It's here that you can experience the thrill of a rodeo, the rhythm of country music, and the taste of authentic Texas barbecue.

Yet, Fort Worth is not just about cowboy boots and rodeos. The city also boasts a vibrant arts scene. The Cultural District, a masterpiece in its own right, houses five internationally recognized museums, including the Kimbell Art Museum with its stunning architecture and the Modern Art Museum of Fort Worth, showcasing post-World War II art in all media. These institutions, with their world-class exhibits, stand as a testament to Fort Worth’s dedication to the arts and its place in the global cultural landscape.

Nature lovers aren't left out either. The Fort Worth Botanic Garden, the oldest of its kind in Texas, offers a serene oasis amidst the urban hustle. With over 2,500 species of plants spread across 23 specialty gardens, it's a haven of natural beauty and a reflection of the city’s commitment to conservation.

For those seeking a slice of local life, Sundance Square, spanning 35 blocks in the heart of downtown, is the place to be. Here, historic landmarks sit alongside modern marvels, and bustling streets echo with the sounds of jazz, rock, and laughter. It's a place to shop, dine, and be entertained, but more importantly, it's a place that encapsulates the very essence of Fort Worth—a blend of tradition and progress.

Water Gardens, a contemporary park downtown, offers both tranquility and architectural marvel. Its cascading waterfalls and pools provide a respite for both locals and tourists alike, offering moments of reflection in the heart of the city.

Fort Worth's charm doesn't just lie in its attractions but also in its people. The city embodies the famed Texan hospitality. Here, strangers are just friends you haven't met yet. Every smile, every nod, every "howdy" you receive is genuine, making you feel right at home, even if you're miles away from your own.

In Fort Worth, stories of the past intertwine with visions of the future. It’s a city that respects its roots while embracing the new. Whether you're a history buff, an art enthusiast, a nature lover, or just someone looking to experience genuine Texan warmth, Fort Worth beckons with open arms and a promise of memories that will last a lifetime. So saddle up and embark on a journey to discover the soul of Texas, right here in Fort Worth.

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 Fort Worth, TX.

Weather Risks:

Cold Weather Snaps:

Temperature Drop:

Dangerously cold wind chills as low as -15 degrees are expected, raising concerns for hypothermia.


Residents are advised to avoid extended outdoor time, wear warm layers, bring in pets, protect plants, and cover outdoor pipes.

Brief Thaw:

A brief rise above freezing is expected on Christmas Eve, but temperatures will drop again on Saturday evening.

Protection Tips:

Wearing cold-weather clothing, staying dry, limiting outdoor time, and being alert to shivering are recommended.

Emergency Alerts:

Sign up for Fort Worth Texas Alerts to stay informed about potential hazards.

Pet Care:

Feed pets more during cold weather, ensure they have plenty of water, protect them from long outdoor exposures, and never leave them alone in a car.

Decorations Alert:

Due to strong winds, residents should secure outdoor holiday decorations.

Increased Storm Risk:


Fort Worth is quite active with severe thunderstorms and potential tornadoes.

Risk Categories:

Dallas-Fort Worth was recently under a Category 4 "moderate" risk, indicating a likelihood of widespread, long-lived, and intense storms.

Storm Dynamics:

Storms developed west of DFW, moving eastward with a primary threat of strong wind gusts and large hail. Spin-up tornadoes are also possible.

Climatic Overview::

North Central Texas has a humid subtropical climate with significant variability in temperature and precipitation patterns. Events like droughts are influenced by factors like La Niña and the Atlantic Multidecadal Oscillation.

Urban Heat Island in Fort Worth:

The Urban Heat Island (UHI) effect is a well-documented phenomenon where urban areas experience higher temperatures than their rural surroundings. This is primarily due to human activities and the characteristics of urban landscapes.

Like many urban areas, Fort Worth would experience the UHI effect due to its urban development, infrastructure, and human activities.

The effects might be more pronounced during summer months when the temperature difference between urban and rural areas is the greatest.

Local meteorological conditions, the city’s layout, and specific urbanization patterns will also influence the extent of the UHI effect in Fort Worth.

Recommended Neighborhoods in Fort Worth, TX.




Property Crime Rates in Fort Worth, TX.

Conroe, Texas, offers a vibrant blend of small-town charm and city amenities. However, like all urban areas, it's essential to be informed about the local crime rate to make informed decisions about residency, business, and leisure activities. Let's take a closer look at the property crime statistics for Conroe:

General Crime Context:

Fort Worth, with a crime rate of 32 per one thousand residents, ranks among the communities with the highest crime rates in the U.S. However, when compared to cities of similar size, Fort Worth fares better with a noticeably lower average crime rate.

Property Crime Overview:

General Rate: A significant portion of crime in Fort Worth is property-related. A resident has a one in 38 chance of becoming a victim of property crime, translating to a rate of 27 per one thousand population.
Types of Property Crimes: The crimes considered in this category include burglary, larceny over fifty dollars, motor vehicle theft, and arson.

Detailed Insights:

Motor Vehicle Theft:
Fort Worth stands out with one of the nation's highest rates of motor vehicle theft. Residents face a one in 254 chance of having their car stolen.
Comparison with Other Communities: When considering communities of all sizes, from the smallest towns to the largest cities, Fort Worth's property crime rate is notably high.

Concluding Notes:

While Fort Worth has its challenges with property crimes, especially motor vehicle theft, it's crucial to compare it with cities of similar size to get a more balanced perspective. Regardless, residents and authorities should be aware of these figures to take necessary precautions and safety measures.

Choice of 6 insurance coverage in Fort Worth, TX.

Utility Line Protection:

What it is: Covers damages to utility lines connecting to the home.

Why it's needed: Repairs to utility lines can be costly, and disruptions affect the homeowner's daily life.

Military Personnel:

What it is: Protects against personal property loss for military members when deployed.

Why it's needed: Offers peace of mind to those serving their country, ensuring their property is safe.

Solar Energy System Coverage:

What it is: Protection for homeowners with solar energy systems, like panels.

Why it's needed: Solar systems can be costly to install and repair, so this ensures they're protected.

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.

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.

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 Fort Worth, TX

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

Indian Creek Condominiums:

Location: West Fort Worth
Highlights: Traditional Williamsburg architecture surrounded by mature live oak and pecan trees. Accessible amenities include two pools, tennis and pickleball courts, and a clubhouse. Proximity to The River District, Trinity Trails, Downtown, Cultural District, and Magnolia Avenue.
Residence Size: Approximately 750 sq. ft. to 2000 sq. ft.

Hidden Oaks MHC:

Location: Fort Worth, TX, 76119 Highlights: An all-ages community that's safe, well-maintained, and conveniently located near local amenities, schools, and shopping centers. Features include a community outdoor pool, playground, and easy access to city bus routes and interstates. Management: Parkland Ventures
Housing Options: Pre-owned manufactured homes for sale and rental homes from $450/month. Both short and long-term rental options are available.