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Protecting Your Manufactured Home in Houston, TX.

Covertree’s Comprehensive Guide!

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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 Houston, TX: Costs, Coverage, and Considerations

Welcome to Houston, Texas -a tapestry of history, culture, and innovation! Located in the southeastern quadrant of Texas, the sprawling metropolis of Houston stands as a testament to humanity's enduring spirit, innovation, and undying love for community. The city's skyline, punctuated with gleaming skyscrapers, hints at the energy and ambition that courses through its streets. Yet, beneath the modern façade lies a rich tapestry of history and culture, waiting to be explored.

Established in 1836 by the Allen brothers and named after General Sam Houston, the city's beginnings are deeply rooted in the fight for Texan independence. Today, it stands as the fourth-largest city in the U.S., but its rapid growth has not come at the expense of its history or unique character.

One of Houston's most remarkable claims to fame is its role in space exploration. "Houston" was, after all, the first word spoken from the moon. The Johnson Space Center and Space Center Houston serve as both a tribute to the nation's astronautical achievements and a beacon for future explorers.

But the city's wonders don't stop at the stars. Houston is home to a thriving arts scene, boasting theaters that host Broadway hits and galleries showcasing local and global masterpieces. The Museum District alone houses 19 museums, each resonating with its own unique stories and treasures.

While Houston's legacy in space exploration often takes center stage, the city's on-the-ground offerings are as vast and varied as the Texan landscape itself. From the tranquility of its green spaces to the hustle of its shopping districts, there's no shortage of adventures to embark on.

Be sure to visit:

Theater District: Houston is one of the few U.S. cities with permanent professional resident companies in all major performing arts disciplines. The Wortham Theater Center, Alley Theatre, and the Hobby Center for the Performing Arts are just a few venues where you can enjoy world-class performances.

Menil Collection: A free-entry museum that houses an impressive collection of 20th-century art, it's a serene enclave in the heart of the city, complete with park-like surroundings.

Buffalo Bayou Park: This urban green space offers walking and biking trails, paddlecraft rentals, and beautiful skyline views. The underground cistern here, once a city reservoir, now hosts art installations.

Discovery Green: A vibrant 12-acre park in the heart of downtown, it offers a range of recreational activities, events, and public art pieces.

The Galleria: Texas' largest shopping center, it's a mecca for retail therapy enthusiasts, boasting over 400 stores and even an ice rink!

GreenStreet: A dynamic shopping and dining destination, it also offers entertainment venues, including House of Blues. The Historic Heights: A neighborhood that offers a journey back in time with its well-preserved Victorian architecture and vintage stores. Don't miss the Heights Mercantile, an urban market district.

San Jacinto Monument: Commemorating the site of Texas' battle for independence, this monument offers panoramic views of the city and the Ship Channel.

Downtown Aquarium: A combination of an aquarium and amusement park, it's an ideal family destination with touch pools, a white tiger exhibit, and a Ferris wheel.

Houston Museum of Natural Science: From the wonders of space to the mysteries of ancient Egypt, this museum offers interactive exhibits sure to spark curiosity in visitors of all ages.

Did you know that Houston has more than 10,000 restaurants representing over 70 countries and American regions? Its culinary prowess is unmatched, making it a food lover's paradise. From succulent barbecue joints to gourmet dining experiences, there's a plate for every palate.

Nature enthusiasts aren't left out either. The city boasts the Houston Zoo, one of the most visited zoos in the nation, and the expansive Hermann Park. The bayous that crisscross the city offer picturesque walking trails and opportunities to see urban wildlife.

Festivals, sports, shopping, music – Houston pulsates with diverse experiences. The city's rich tapestry is woven from threads of many cultures, a melting pot of languages, traditions, and dreams. It's a city that welcomes all, from cowboys to astronauts, artists to entrepreneurs, making it a mosaic of memories and moments.

So, whether you're drawn to the echoes of history, the allure of space, the allure of art, or the simple joy of a shared meal, Houston offers an embrace that feels like home.

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 Houston, TX.

Weather Risks:

The Greater Houston area faces significant weather risks, with climate change projected to exacerbate these threats in the coming decades. As a mobile homeowner, it's essential to be aware of the predominant risks to ensure you secure appropriate insurance coverage for your property. Here's a breakdown of the main concerns:

Flooding and Intense Rainstorms

History & Projections: Over the past 41 years, the Houston region has experienced 26 federally declared disasters, with a significant portion of these being related to flooding. By 2050, over 350,000 properties are expected to face a "substantial" risk of flooding.

Flood Zones: Current FEMA maps identify properties based on flood risks: 1% annual chance of flooding (100-year flood) and 0.2% annual chance (500-year flood). However, real-life incidents have shown that flooding often surpasses these designated "high-risk" zones. In fact, more than 322,000 residential properties are situated in areas prone to flooding.

Communities at Risk: Research has indicated that communities predominantly comprising low-income and non-white residents are particularly vulnerable to flooding. Discriminatory housing policies in the past have led these groups to reside on low-lying lands with inadequate flood mitigation measures.

Extreme Heat and Urban Heat Islands

Increasing Temperatures: The Houston region has witnessed a notable increase in average temperatures in the last decade. There's been a rise of between 0.6 to 1.0 degrees Fahrenheit and a two-inch increase in annual rainfall from previous 30-year averages.

Extreme Heat Trends: The past decade has seen a dramatic upsurge in days with temperatures exceeding 95°F. Montgomery County, for instance, experienced over 500 such days, marking a significant increase from the previous decade.

Urban Heat Islands: Certain areas, especially urban zones with dense infrastructure, tend to trap more heat, making them hotter than surrounding regions. Known as "heat islands," these zones exacerbate the effects of rising temperatures. Houston ranks fourth nationwide in terms of urban heat island intensity. Significantly, the neighborhoods most affected by high nighttime temperatures (which have the greatest health impacts) are often low-income communities and communities of color.

Climate Change Impacts and Mitigations

Understanding Climate Change: Human-caused greenhouse gas emissions have led to a phenomenon known as climate change, resulting in rising global temperatures. This intensifies various weather events and impacts such as storms, heatwaves, and heavy precipitation.

Effects on Precipitation: Since 1980, 12 rain events not associated with hurricanes or tropical storms have been declared disasters by FEMA. Climate change amplifies the intensity of these rainstorms, as a warmer atmosphere can hold and then release more water vapor.

Mitigation Measures: With the increased likelihood of intense rainstorms and flooding, local authorities are likely to look into building reservoirs and retention ponds as potential flood mitigation measures. Mobile homeowners need to be aware of these initiatives and their implications.

Given the diverse and intensifying weather risks in Houston, mobile homeowners should prioritize comprehensive insurance coverage. This coverage should encompass protection against flood damages (even if located outside traditional high-risk flood zones), heat-related damages, and potential impacts from intensified rainstorms and related mitigation measures.

Recommended Neighborhoods in Houston, TX.

Property Crime Rates in Houston, TX.

Houston, with its bustling metropolitan energy and expansive growth, unfortunately also grapples with significant property crime challenges. An in-depth look at the data presents a rather concerning picture:

Overall Crime Rate:

Houston registers a high overall crime rate of 55 crimes per one thousand residents. This places the city among those with one of the highest crime rates in the country, spanning across all community sizes. Specifically, a resident in Houston has a 1 in 18 chance of falling victim to either a violent or property crime.

Comparison within Texas:

The city's crime rate overshadows most other Texan communities. In fact, a staggering 99% of Texas communities record a lower crime rate than Houston.

Property Crime Specifics:

Prevalence: A significant portion of Houston's crime is attributed to property crimes. The analysis, as delineated by NeighborhoodScout, reveals that the odds of a Houston resident becoming a victim of a property crime stand at 1 in 24. This translates to a rate of 42 property crimes per one thousand residents.

Types of Property Crimes: The property crimes encompassed in this data include burglary, larceny amounting to over fifty dollars, motor vehicle theft, and arson.

Motor Vehicle Theft: An alarming revelation is Houston's high rate of motor vehicle theft. On the national scale, encompassing communities of all sizes, Houston emerges with one of the top rates. Specifically, a resident's chance of having their vehicle stolen in Houston is 1 in 147.

National Rankings:

To paint a broader picture, when assessed against other U.S. cities and towns of all population sizes, Houston's property crime rate positions it as a city with one of the highest crime rates. This is further accentuated when Houston's crime figures are contrasted with other similarly populated cities. The outcome isn't favorable; few cities of comparable size to Houston have a crime rate as towering.

In summation, while Houston is a city of opportunities and growth, it's imperative for residents and potential settlers to be cognizant of the elevated property crime rates. Taking preventive measures, such as enhanced security systems and increased vigilance, can play a pivotal role in safeguarding one's property in the city.

Choice of 6 insurance coverage in Grand Prairie, TX.

Extended Coverage on Jewelry and Furs:

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

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

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.

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 Houston, TX

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

Palm Harbor Village:

Conveniently situated at 13030 Gulf Freeway, Palm Harbor Homes has been a beacon of trust and reliability for the community.
Their expertise spans decades, helping countless families secure their dream home without burning a hole in their pockets.
They boast a vast array of floor plans, suitable for varied preferences. Plus, they're always ready to guide you through the intricacies of home financing.

Manny's Mobile Homes:

With a legacy dating back to 2002, the president of Manny's Mobile Homes, along with their seasoned team, brings a wealth of experience to the table.
Their dedication to creating a perfect home buying experience is unmatched. They offer to buy and sell 2, 3, 4 & 5 bedroom homes!

Allison Acres:

Positioned just a stone's throw away from downtown Houston at 4610 Allison Road, this community exudes vibrancy.
Their amenities, including a playground and organized activities, make it a preferred choice for many.
They also offer resident events and planned activities throughout the year. Extras - Playground, Storage Sheds, Keyed Mailboxes