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

Welcome to Grapevine, Texas - a vintage blend of historical elegance, natural wonders, and community spirit!

Embark on a journey to Grapevine—a city where the nostalgia of yesteryears fuses with the effervescence of modern life. Nestled conveniently between Dallas and Fort Worth, Grapevine may lie in the heart of the bustling DFW Metroplex, but it also stands as a unique destination with its own storied past, natural assets, and vibrant community life.

Founded in the 1840s, Grapevine's name pays homage to the wild mustang grapes native to the area. The city's rich history is meticulously preserved, notably at the Grapevine Vintage Railroad, which offers an authentic trip back in time aboard restored Victorian-era train coaches. The Grapevine Historical Museum further narrates the fascinating evolution of this Texas gem, offering insights into its journey from a modest settlement to a flourishing city.

Beyond the allure of its history, Grapevine beckons with its natural splendor. Lake Grapevine serves as the city's crown jewel, offering 8,000 acres of recreational bliss, from boating and fishing to hiking and camping. The lake is surrounded by miles of scenic trails that crisscross diverse terrains, allowing residents and visitors to soak in the beauty of nature while staying active. Grapevine isn't just about history and nature; it's a hub for festivals and community events that reflect its eclectic character. The city hosts the annual GrapeFest, the largest wine festival in the Southwest, celebrating the fruitful heritage of the region with wine tastings, live music, and culinary delights. Around Christmas, the city transforms into the "Christmas Capital of Texas," a winter wonderland featuring over 1,400 events that bring the holiday spirit to life.

On the culinary front, Grapevine offers a smorgasbord of options, reflective of both its Texan roots and international influences. The city's Historic Main Street is lined with wineries, boutiques, and a variety of eateries, from cozy cafes to upscale restaurants, giving visitors a taste of Grapevine's rich cultural mosaic.

A less-known but delightful fact about Grapevine is its commitment to the arts. The city is adorned with a plethora of public artworks, from murals and sculptures to interactive installations, making art an integral part of the community's daily life.

From its historical landmarks to its stunning lake, from its yearly festivals to its culinary and artistic endeavors, Grapevine is a city that offers a multifaceted experience. Whether you're interested in a leisurely walk down the corridors of history, a thrilling outdoor adventure, or a rendezvous with community and culture, Grapevine has something for everyone. Come and discover this Texas haven where history, nature, and community converge to create a tapestry of unforgettable 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 Grapevine, TX.

Weather Risks:

Given the recent weather reports and climate ratings for Grapevine, Texas, residents are particularly susceptible to certain types of severe weather, including heat risk and storm risk. For mobile home and RV owners, the risks are even more pronounced.

Storm Risk

Hazard Description: Grapevine experiences about 8 significant two-day storms per year, and recent incidents have shown that tornadoes are a major concern, particularly in Tarrant County, where Grapevine is located.
Implications for Mobile Home and RV Owners: Mobile homes and RVs are not built to withstand the high winds of tornadoes or severe storms, putting them at a heightened risk of damage or destruction.
Safety Measures: Have a weather radio to stay updated on severe storm and tornado watches and warnings. Know the locations of the nearest storm shelters. Anchor your mobile home to the ground to provide some level of stability.

Heat Risk

Hazard Description: Grapevine has been rated as having a severe risk from heat, with 100% of homes in the area having a Severe Heat Factor®.
Implications for Mobile Home and RV Owners: Mobile homes and RVs typically have limited insulation and may not have adequate cooling systems, making them susceptible to extreme heat.
Safety Measures: Make sure your cooling systems are in excellent condition. Stay hydrated and minimize physical exertion during heatwaves. Consider relocating to a cooler environment during extreme heat conditions.

Winter Weather

Hazard Description: Recent weather reports indicate that bitter cold and winter storms are affecting a broad section of the U.S., including Texas.
Implications for Mobile Home and RV Owners: As these homes are not well-insulated, winter weather can lead to frozen pipes and inadequate heating.
Safety Measures: Keep extra blankets, warm clothing, and perhaps a portable heater (with proper safety features) in your mobile home or RV. Monitor weather reports and be prepared to move to a more secure location during extreme winter weather. By being prepared and staying informed, mobile home and RV owners can reduce the risks posed by these hazards in Grapevine, TX.

Being prepared and staying informed can significantly reduce the risks associated with these hazards for mobile home and RV owners.

Recommended Neighborhoods in Grapevine, TX.

Property Crime Rates in Grapevine, TX.


Overall Crime Rate: 31 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 32

Comparison with Texas and the U.S.

State Comparison: Higher crime rate than 91% of Texas communities.
National Comparison: One of the highest crime rates in America, regardless of community size.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 2; chance of becoming a victim is 1 in 467.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 29; chance of becoming a victim is 1 in 35.
Tracked Property Crimes: Includes burglary, larceny over $50, motor vehicle theft, and arson.

Key Points

Comparable Cities: Grapevine's crime rate is higher than average when compared to similarly sized communities across the U.S.
Violent Crime: Higher than in most communities of all population sizes in America.
Property Crime: Very high, and constitutes the majority of crimes in Grapevine.

Grapevine, Texas, has an elevated crime rate compared to both the state and national averages, making it one of the more dangerous communities in the U.S. Property crime appears to be a significant issue, with rates much higher than the national average. Of particular concern is the high rate of motor vehicle theft, which ranks among the highest in the country.

Choice of 6 insurance coverage in Grapevine, TX.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

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 Grapevine, TX

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

Van Til Mobile Home Park (Grapevine, TX)

All-ages community
Pet-friendly (pets under 25 lbs)
Year Built: 1985
Number of Sites: 33
Multisection Homes: 70%
Homes with Peaked Roofs: 100%
Homes with Lap Siding: 75%
RV Sites: 5%
Distance to water: 0.3 Miles

Herradura Estates (Grapevine, TX)

All-ages community
Year Built: 1950
Number of Sites: 111
Multisection Homes: 20%
Homes with Peaked Roofs: 20%
Homes with Lap Siding: 10%
Distance to water: 2.9 Miles
Distance to golf: 10 Miles

Twin Coves Park and Campground (Flower Mound, TX)

Located on 243 acres on the north shore of Grapevine Lake
Offers 19 furnished cabins and 22 RV slips
Amenities include boat ramps, pavilions, playground, disc golf, hiking/biking trails, kayak rentals, and more
Daily usage fee of $10 per vehicle Annual passes available for residents and non-residents
Open daily from 6 a.m. to 10 p.m. Park office hours vary by day

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

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

  • Reasoning: Grapevine is known for its vineyards. This coverage provides protection for damage to or loss of vineyard-related assets near your mobile home.

Reasoning: Wine tours are popular in Grapevine. This coverage offers specialized liability protection for accidents or injuries related to wine country tours and tastings.

Reasoning: Grapevine hosts festivals throughout the year. This coverage provides liability protection for accidents or injuries that might occur during local festivals and events.

  • Reasoning: Enhancing security is important. This endorsement offers discounts for installing smart home security systems in your mobile home.

Reasoning: If you frequently extend your RV stays in Grapevine, this coverage provides extended liability protection for longer trips.

Reasoning: Some RV parks offer vineyard parking. This endorsement provides discounts for parking your RV in parks with vineyard views or access.

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