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

Welcome to Mansfield, Texas - a harmonic blend of suburban comfort, natural splendor, and cultural heritage!

Step into Mansfield — a city that marries the tranquility of suburban living with the vibrancy of a rich historical and cultural tapestry. Situated in the Dallas-Fort Worth Metroplex, Mansfield has carved out its own distinctive space as a community where families, nature lovers, and history buffs find a haven of experiences and opportunities.

Founded in the 19th century, Mansfield has evolved from an agrarian settlement into a bustling suburban city that retains its connection to its roots. The Mansfield Historical Museum and Heritage Center invites visitors to walk through the corridors of time, offering a glimpse into how a small farming community has transformed into a thriving city without losing sight of its heritage.

Beyond its historical allure, Mansfield offers an abundance of natural wonders that invite exploration and relaxation. The Walnut Creek Linear Park presents residents and visitors alike with miles of scenic walking and biking trails that wend their way through lush landscapes. Similarly, the Oliver Nature Park stands as a green sanctuary in the heart of the city, offering educational programs and guided nature walks that instill a sense of wonder and appreciation for the environment.

Community and cultural events are integral to the fabric of Mansfield. The city hosts an array of festivals and gatherings throughout the year, such as the annual Pickle Parade & Palooza and the Hometown Holidays celebration. These events not only offer entertainment but also serve as communal platforms where neighbors come together to celebrate their shared identity and values.

When it comes to culinary experiences, Mansfield does not disappoint. The city boasts a variety of dining establishments that range from traditional Texas barbecue spots to a broad spectrum of international cuisines. This culinary diversity is a reflection of Mansfield’s own diverse population, offering a taste of the world in a local setting.

A lesser-known but equally noteworthy aspect of Mansfield is its commitment to the arts and education. Mansfield Independent School District is one of the fastest-growing in Texas, underlining the city’s dedication to providing quality education for its youth. In terms of arts, the Farr Best Theater, a century-old institution, regularly hosts performances that add a dash of cultural sophistication to the city.

From its historical beginnings to its picturesque parks, from its vibrant community events to its culinary and educational offerings, Mansfield is a city that knows how to balance the demands of modern living with the qualities that make life worthwhile. Whether you are attracted to its historical landmarks, enchanted by its natural settings, or inspired by its community spirit, Mansfield opens its arms to you. Come discover this unique Texan suburb, where the past and present dance in a never-ending circle of harmony and renewal.

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 Mansfield, TX.

Weather Risks:


Description: Precipitation of frozen water droplets that can cause significant damage depending on their size.

Implication for Mobile/Manufactured Homeowners in Mansfield, TX: Potential for punctured roofing and siding. Windows, skylights, and other exposed surfaces can be damaged or broken.

Implication for RV Owners: Dents and potential breakage of windows and external structures, affecting the vehicle's resale value and structural integrity.


Description: Violently rotating columns of air that can cause massive destruction.

Implication for Mobile/Manufactured Homeowners in Mansfield, TX: Mansfield has a significantly higher tornado index than both the state and national average, putting properties at higher risk. Mobile homes, even those properly anchored, can be destroyed by tornadoes.

Implication for RV Owners: RVs can be easily overturned or damaged by the strong winds and flying debris.

Extreme Heat:

Description: Prolonged periods of very high temperatures.

Implication for Mobile/Manufactured Homeowners in Mansfield, TX: Increased energy bills due to higher air conditioning needs. Potential damage to roofing and exterior materials, especially if not designed for such high temperatures.

Implication for RV Owners: Potential damage to the RV's exterior and interior materials, especially if parked in direct sunlight. Increased use of AC can drain power sources and increase fuel consumption if the engine is running.

Recommended Neighborhoods in Mansfield, TX.

Property Crime Rates in Mansfield, TX.


Overall Crime Rate: 13 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 75

Comparison with Texas and the U.S.

State Comparison: Mansfield's crime rate is higher than approximately 59% of Texas communities.
National Comparison: Mansfield's crime rate is above the national average but not among the communities with the very highest crime rate.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: 1
Chance of becoming a victim: 1 in 1,110
Tracked Violent Crimes: Assault, rape, murder, and armed robbery.
Property Crime Rate: Rate: 12
Chance of becoming a victim: 1 in 80
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.

Key Points

Relative Safety: Compared to cities of similar size, Mansfield is safer than most.
Violent Crime: Mansfield has a below-average violent crime rate compared to national standards.
Property Crime: Residents have an above-average risk of becoming victims of property crimes in Mansfield when compared nationally.

While Mansfield's crime rate is above the national average, its position is better when compared to cities of a similar size. The city sees fewer violent crimes than the average American community, but property crime remains a concern. Local efforts should focus on further reducing property crime incidents to enhance overall safety in Mansfield.

Choice of 6 insurance coverage in Mansfield, TX.

Cyber Protection:

What it is: Similar to Cyber Security Coverage, it offers a wider range of protections, including digital assets, personal data, and even potential cyber bullying incidents.

Why it's needed: As our lives become more digital, the potential risks we face grow, making comprehensive cyber protection increasingly essential.

Roof Surface Extension:

What it is: Provides supplemental coverage for roof damage not included in standard policies.

Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.

High Deductible Waiver for Catastrophic Ground Cover Collapse:

What it is: The deductible is waived if there's a catastrophic ground cover collapse.

Why it's needed: In areas prone to such events, this can provide significant financial relief.

Yard and Garden Coverage:

What it is: Coverage that includes garden tractors, equipment, and plants, going beyond just landscaping.

Why it's needed: For homeowners who've invested in their yard and garden, this ensures their investments are protected.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

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.

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 Mansfield, TX

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

Silver Leaf

Location: 1550 North Main Street, Mansfield, TX 76063
Community Features: All-ages
community, 145 sites, pet-friendly, off-street parking, playground, clubhouse, swimming pool, recreational facilities, average street width, paved streets, no age restrictions, 2 vacant sites.
Year Built: 1983
Amenities: 50% multisection homes, 50% homes with peaked roofs, 25% homes with lap siding, 4.7 miles to water, 9 miles to golf, 1 mile to parks.

Breezy Oaks Manufactured Home Community

Location: 1119 Breezy Oaks, Mansfield, TX 76063
Community Features: All-ages
community, 180 sites, pet-friendly (30 lbs or less), off-street parking, swimming pool, average street width, paved streets, no age restrictions.
Year Built: 1970
Amenities: 80% multisection homes, 95% homes with peaked roofs, 90% homes with lap siding, 5.3 miles to water, 9 miles to golf, 2 miles to parks.

Big Oak Park

Location: 140 Thousand Oaks Dr., Mansfield, TX 76063
Community Features: All-ages community, 82 sites, pet-friendly (breed restrictions), average street width, paved streets, no age restrictions, 1 vacant site.
Year Built: 1980
Amenities: 15% multisection homes, 80% homes with peaked roofs, 20% homes with lap siding, 6.5 miles to water, 9 miles to golf, 2 miles to parks.

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

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

Reasoning: Active participation in local community watch programs enhances security. This endorsement offers discounts or coverage enhancements for residents who participate in community watch programs in Mansfield.

Reasoning: Mansfield is near several wildlife refuges. This coverage provides specialized liability protection for accidents or injuries related to outdoor activities in these areas.

Reasoning: Energy-efficient upgrades can reduce utility costs. This coverage provides protection for the installation of energy-efficient features in your mobile home.

Reasoning: Mansfield hosts festivals and events. This coverage offers liability protection for accidents or injuries that might occur during local festivals and gatherings.

Reasoning: If you store your RV in a storage unit when not in use, this endorsement provides protection for the RV while it’s stored.

Reasoning: Some RV owners enjoy off-road adventures. This coverage provides protection for RVs used off-road, such as in off-road parks or trails.

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