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

Welcome to Frisco, Texas - a city that combines the thrill of rapid growth with the comfort of well-rooted community values. Nestled in the Dallas-Fort Worth Metroplex, Frisco is far more than just another suburb; it's a burgeoning city with its own distinct flavor, offering an enriching mix of innovation, family orientation, and enduring traditions.

Frisco has evolved from a sleepy farming town into one of America's fastest-growing cities, and its transformation has been nothing short of phenomenal. The city's commitment to creating an atmosphere of innovation is evident in projects like the $5 billion mile, a stretch that houses corporate headquarters, retail spaces, and world-class sporting venues. Yet, amid the high-tech gloss, Frisco retains its community-oriented focus, with an exceptional education system and numerous family-friendly facilities that make it an ideal place to raise a family.

For those with an affinity for the great outdoors, Frisco doesn't disappoint. The city is adorned with a wide array of parks and trails, including the scenic Frisco Commons Park, which offers families a lush setting for picnics, fishing, and leisurely strolls. More adventurous souls can explore the many biking and hiking trails that traverse the city's landscapes, providing both exercise and communion with nature.

One of Frisco's most defining features is its passion for sports. The city is home to The Star, the Dallas Cowboys' headquarters and training facility, as well as the Dr Pepper Ballpark, where the Frisco RoughRiders offer baseball fans a taste of Americana. For soccer enthusiasts, the Toyota Stadium serves as the home base for FC Dallas, making Frisco a diverse sporting hub that appeals to fans of all types.

Adding to its multifaceted identity, Frisco places great emphasis on cultural enrichment. The Frisco Discovery Center is a beacon for art, science, and history, hosting a variety of exhibitions, performances, and educational programs throughout the year. The city's numerous events, from music festivals to farmers' markets, add a communal flair that brings residents together in celebration of local talents and wares.

What you might find surprising about Frisco is its dedication to sustainability. From green building incentives to recycling programs, the city is taking decisive steps to reduce its environmental footprint. It's a commitment that not only benefits current residents but also ensures that Frisco remains a desirable destination for future generations.

Frisco offers a life experience that seamlessly integrates the best of both worlds—the progressiveness of a modern city and the familiarity of a close-knit community. Whether you are drawn by its cutting-edge developments, its plethora of recreational options, or its strong sense of community, Frisco offers an environment where families, professionals, and visitors alike can thrive. Come discover this dynamic Texas city where tradition and innovation harmonize to create a tapestry of experiences that are as diverse as they are fulfilling.

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 Frisco, TX.

Weather Risks:

Frisco, Texas, has its share of climate-related hazards, which are exacerbated by the effects of climate change. These weather risks present a significant threat to mobile homes and RVs due to their vulnerability to extreme conditions. Let's take a closer look at three primary risks: heatwaves, flash floods, and tornadoes.


Risk Assessment in Frisco: Frisco is already experiencing extreme heat risk, which is projected to worsen, increasing from an average of 7 days per year above 101.1ºF to an estimated 36 days by 2050.

Implications for Mobile Home and RV Owners: Mobile homes and RVs are often not as well-insulated as traditional homes, making them susceptible to extreme heat. Prolonged exposure to these conditions could lead to health issues and strain on air conditioning systems.

Safety Measures: Install high-efficiency cooling systems or fans. Use reflective materials on windows to block out heat. Have a backup plan to move to a more robust structure during extended heatwave periods.

Flash Floods

Risk Assessment in Frisco: About 7% of buildings in Frisco are at significant risk of flooding. Though not the highest risk, flooding is still a concern.

Implications for Mobile Home and RV Owners: Mobile homes and RVs are particularly vulnerable to being swept away or damaged during flash floods due to their lighter structures.

Safety Measures: Always park your mobile home or RV in elevated areas away from flood-prone zones. Keep an eye on local weather updates and have an evacuation plan ready. Consider installing barriers around the home to divert water.


Risk Assessment in Frisco: North Texas, including Frisco, is susceptible to violent thunderstorms that can spawn tornadoes.

Implications for Mobile Home and RV Owners: Tornadoes can be especially devastating for mobile homes and RVs, which may not withstand the high winds and flying debris associated with these storms.

Safety Measures: Have a solid tornado safety plan and know where the nearest storm shelters are. Invest in a weather radio to stay updated on tornado watches and warnings. If a tornado warning is issued, evacuate your mobile home or RV immediately and seek sturdy shelter.

For mobile home and RV owners in Frisco, the risks posed by extreme weather conditions cannot be taken lightly. Preparedness is key. Ensure you have a detailed emergency plan, stay updated on weather forecasts, and take necessary safety measures to protect your property and loved ones.

Recommended Neighborhoods in Frisco, TX.

Property Crime Rates in Frisco, TX.


Overall Crime Rate: 11 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 95

Comparison with Texas and the U.S.

State Comparison: Lower crime rate than approximately 51% of Texas communities.
National Comparison: Near the average for all U.S. cities and towns but one of the lowest for cities of its size.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 1; chance of becoming a victim is 1 in 989.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder and non-negligent manslaughter.
Property Crime Rate: 10; not specified what the chance of becoming a victim is.
Tracked Property Crimes: Includes burglary, larceny over $50, grand theft auto, and arson.

Key Points

Comparable Cities: Frisco's crime rate is one of the lowest when compared to similarly sized communities across the U.S.
Violent Crime: About average for all communities in America but significantly lower when compared to similarly sized cities.
Property Crime: About average for all communities in America.

Frisco, Texas, appears to be a relatively safe place to live, especially when compared to other cities of similar size. The rate of violent crime is about average for all American communities but is significantly lower for cities in its population bracket. Property crimes also stand at about the average level for the U.S. Being safer than 51% of Texas communities and having one of the lowest crime rates for its size make Frisco an attractive location for those concerned about safety. Local authorities might continue to focus on maintaining or even improving these statistics to make the community even more appealing. This could involve community outreach, further investment in public safety, and continued vigilance in crime prevention and investigation.

Choice of 6 insurance coverage in Frisco, TX.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

Golf Cart Coverage:

What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.

Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.

Enhanced Roof Replacement:

What it is: Offers extra funds to replace roofs with eco-friendly materials.

Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.

Animal Liability:

What it is: Covers liabilities if a pet injures someone or causes property damage.

Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.

Personal Property Replacement Cost:

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

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

Accidental Damage:

What it is: Coverage for unintentional direct physical losses not specifically excluded or limited.

Why it's needed: Accidents happen, and this ensures unexpected damages are covered.

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 Frisco, TX

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

Preston on the Lake

Location: 1800 Preston on the Lake, Little Elm, TX 75068

Community Features: Access to Lake Lewisville, a marina, and city parks Swimming Pool Playground Basketball Courts Keyed Mailboxes Grass Rec Area Walking Trails

Office Hours: M-F: 9 am - 6 pm Sat: 10 am - 2 pm Sun: Appt Only

Contact: (972) 294-2560

Southward Manufactured Housing Community

Location: 1414 S Tennessee St, McKinney, TX 75069

Community Features: Air Conditioned Units City Water and Sewer Off-Street Parking Online Bill Payment Contact: 972-286-6696,

Office Hours: Mon-Fri: Appointment Only Sat: Appointment Only Sun: Appointment Only

Lake Haven Estates

Location: 201 N Shady Shores Road, Lake Dallas, TX 75065

Community Features: Friendly family community Close to schools and shopping Close to Lake Lewisville for recreational activities Pet Policies: Pets allowed, with restrictions (15 inches at the shoulder) Street Width: Average Street Type: Paved Age Restrictions: No Year Built: 1973 Number of Sites: 147 Homes with Peaked Roofs: 25% Homes with Lap Siding: 25% Distance to water: 0.9 Miles

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

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

Reasoning: If your mobile home is located near the Frisco Golf Club, this endorsement offers discounts for homes with golf course views or access to golf course amenities.

Reasoning: Frisco hosts various events and festivals. This coverage provides liability protection for accidents or injuries that might occur while attending local events.

Reasoning: Severe weather is a concern. This coverage provides protection for the installation of storm shutters and roof reinforcement to safeguard your mobile home.

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

Reasoning: Frisco is home to sports venues. This coverage offers specialized liability protection for accidents or injuries related to recreational activities at local sports venues.

Reasoning: Many RV owners enjoy outdoor entertainment. This coverage ensures your exterior TV and entertainment systems are adequately protected.

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