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

Welcome to Killeen, Texas - a symphony of military heritage & natural grandeur, where the spirit of service and sacrifice resonates, mingling with a sense of community and the allure of natural beauty.

Located in central Texas, Killeen offers more than just its widely recognized association with the adjacent Fort Hood military base. It stands as a diverse and dynamic city with a rich tapestry woven from threads of history, natural wonders, and communal ties. Killeen's journey began in the late 19th century as a small farming community, but it was the establishment of Camp Hood (now Fort Hood) in 1942 that radically transformed its landscape. Today, the city pays homage to its military roots through the 1st Cavalry Division Museum and the 3rd Cavalry Regiment Museum, both of which offer captivating insights into the life and legacy of the brave souls who serve the nation.

Beyond its military history, Killeen beckons with the promise of outdoor adventure and natural splendor. Belton Lake and Stillhouse Hollow Lake offer a tranquil escape with opportunities for fishing, boating, and camping. The Dana Peak Park adds to this outdoor tapestry, providing hiking and biking trails that meander through scenic terrains, letting visitors revel in the Texan wilderness. In Killeen, community events serve as a cornerstone of local culture. The annual Take 190 West Arts Festival, for instance, brings artists from across the region to showcase their work, turning the city into a vibrant canvas of creativity. Killeen's rodeos and fairs, such as the Rodeo Killeen and the annual carnival, offer a taste of Texan tradition and are eagerly awaited by residents and visitors alike.

When it comes to gastronomy, Killeen is a melting pot of flavors, representing not just Texan cuisine but also the diverse ethnic communities that make up its population. From traditional barbecue joints to an array of international eateries, the city serves a culinary experience as diverse as its people.

An often-overlooked aspect of Killeen is its commitment to education and learning. The city hosts various educational facilities, from public schools to colleges like Central Texas College, highlighting the importance of education in this military town. It's an emphasis that ensures the youth of Killeen have strong foundations for the future.

From its military heritage to its natural retreats, from its spirited community events to its array of dining options, Killeen is a city of contrasts and harmonies. Whether you're drawn to its rich history, enamored by its natural settings, or inspired by its community initiatives, Killeen offers a myriad of experiences that celebrate its unique identity. Come explore this Texan city where history, nature, and community coalesce into a captivating and enriching symphony.

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 Killeen, TX.

Weather Risks:


Description: Tornadoes are violent windstorms characterized by a twisting, funnel-shaped cloud. They are spawned by thunderstorms and can cause fatalities and devastate neighborhoods within seconds.

Implications for Mobile/Manufactured/RV Home Owners: Tornadoes are particularly dangerous for residents of mobile, manufactured, or RV homes. These structures are not anchored to foundations and can be easily overturned or destroyed by tornado-force winds. The best course of action is to abandon these types of homes when a tornado warning is issued and seek more secure shelter, like a designated storm shelter or a basement in a well-constructed building.

Severe Thunderstorms and Hail

Description: Severe thunderstorms can produce large hail, damaging winds, and even tornadoes. Hailstones can be as small as peas or as large as grapefruits, causing damage to roofs, cars, and windows.

Implications for Mobile/Manufactured/RV Home Owners: The thin walls and roofs of mobile and manufactured homes offer little resistance to large hail and strong winds. Damages can range from dents and holes in the structure to shattered windows. Owners of such homes should have a plan to move to a sturdier structure if severe thunderstorms are forecasted. Parking your RV under a solid cover can also reduce hail damage.

Flash Flooding

Description: Flash floods are sudden and intense floods that can turn creeks, streams, and streets into raging torrents within minutes. They are usually triggered by intense rainfall or the sudden release of water.

Implications for Mobile/Manufactured/RV Home Owners: Flash floods can undermine the stability of the ground where mobile or manufactured homes are situated, causing them to tip or collapse. RVs can also be swept away by floodwaters. Residents should be prepared to evacuate immediately if flash flood warnings are issued. If possible, elevate your mobile or manufactured home on a reinforced foundation to lessen the risk of flood damage.

For all these risks, having a comprehensive insurance policy that covers damage from severe weather is crucial for mobile, manufactured, and RV home owners. Always stay updated on the latest weather forecasts and have an emergency plan in place.

Recommended Neighborhoods in Killeen, TX.

Property Crime Rates in Killeen, TX.


Overall Crime Rate: 23 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 43

Comparison with Texas and the U.S.

State Comparison: Higher crime rate than 83% of Texas communities.
National Comparison: Not among the communities with the very highest crime rates, but still considerably higher than the national average.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Not specified; chance of becoming a victim is 1 in 162.
Tracked Violent Crimes: Includes rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
Property Crime Rate: 17; chance of becoming a victim is 1 in 58.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: For its size, Killeen is safer than most similar communities across the U.S., according to NeighborhoodScout.
Violent Crime: One of the highest rates in the nation, across communities of all sizes. Notably high murder rates.
Property Crime: Above average, contributing significantly to Killeen's overall crime rate.

The city of Killeen, Texas, presents a complex picture when it comes to crime. While it fares better than most communities of similar size across the U.S., it has a high rate of violent crime, including a notably high murder rate, that stands out on both a state and national level. Property crimes are also above average. Such statistics suggest that although Killeen might be relatively safer than similar-sized cities, there are significant safety concerns that local authorities need to address. Preventive measures like increasing police presence, improving lighting in public areas, and engaging community policing may help. In the long term, it may also be useful to invest in educational programs, social services, and employment opportunities to tackle the root causes of crime.

Choice of 6 insurance coverage in Killeen, TX.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

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.

Appliance Leakage:

What it is: Coverage for damages specifically caused by leaks from appliances.

Why it's needed: Appliances can sometimes malfunction, leading to expensive water damages.

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.

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 Killeen, TX

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

The Hudson at Killeen

Location: 3701 Rosewood Drive, Killeen, TX 76542
Phone: (254) 545-1544
Office Hours: Mon-Fri: 8:00 AM - 5:00 PM
Amenities: Luxury clubhouse, resort-style pool, fitness center, playground, pet-friendly with a bark park.
Apartments: 1, 2, and 3 bedrooms, modern kitchens, washer/dryer, walk-in closets, private patios.
Pet Policy: Cats and dogs welcome, fees apply.
Parking: Various options, including covered and detached garages.

Killeen MHP Oak Creek & Killeen MHP Cedar Knob

Location: 5198 Chaparral Road, Killeen, TX 76542
Phone: (254) 312-2026
Amenities: Playground, access to pool at Indian Trail MHP. Oak Creek Estates and Cedar Knob, two lovely communities located seven - ten miles south of Killeen, Texas. Stonetree Golf Club to the Green Avenue Farmers Market, Killeen has it all. Oak Creek Estates and Cedar Knob are also located nine miles from Central Texas College and a Texas A&M University campus.

Elm Grove Estates & RV Community

Location: 1704 Martin Luther King Jr. Boulevard, Killeen, TX 76543
Phone: (254) 690-3838
Office Hours: Mon-Fri: 9:00 AM - 5:00 PM
Amenities: Clubhouse, laundry, on-site management, playground, pool, community kitchen, pet-friendly. Homes: Modern single and double-wide manufactured homes, long-term RV sites. Location Perks: Close to schools, shopping, Fort Hood, Austin day trips.

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

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

Reasoning: Killeen experiences scorching summers. This coverage provides protection for air conditioning and cooling systems from heat-related damage.

Reasoning: Tornadoes are a concern in Central Texas. This endorsement offers coverage for the construction or use of tornado shelters for your RV.

Reasoning: Fort Hood is nearby. This endorsement offers discounts for mobile homes owned by military personnel stationed at Fort Hood.

Reasoning: Solar panels can reduce energy costs. This coverage provides protection for the installation of solar panels on your mobile home.

Reasoning: If you’re a full-time RVer, this coverage provides extended liability protection for year-round travel.

Reasoning: Killeen offers recreational activities. This coverage provides specialized liability protection for accidents or injuries related to local recreational activities.

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