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Protecting Your Manufactured Home in McKinney TX.

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A Guide to Mobile Home Insurance in McKinney, TX: Costs, Coverage, and Considerations

Welcome to McKinney, TX -McKinney, Texas: A Vibrant Mélange of Heritage and Natural Splendor

Nestled in the thriving expanse of Collin County, McKinney exudes an allure that masterfully weaves together the old-world charm of its historic past with the vibrancy of contemporary life. Recognized consistently as one of America's best places to live, McKinney isn't merely a backdrop to history and nature; it's a thriving community that showcases the best of Texan warmth and spirit.

McKinney's story began in the early 1840s, named in honor of Collin McKinney, a signer of the Texas Declaration of Independence and a noteworthy figure in early Texan history. While McKinney started as a modest farming town, the advent of the St. Louis Southwestern Railway in the late 19th century played a pivotal role in its development, facilitating trade and attracting residents. Today, McKinney stands tall as the county seat of Collin County, one of the fastest-growing regions in the nation. As a testament to its growth, the city has transformed from a primarily agricultural economy to a diversified hub, housing numerous corporations, businesses, and industries.

Attractions & Natural Beauty:

Historic Downtown McKinney: A stroll through its brick streets transports visitors to a bygone era, with beautifully preserved 19th-century buildings housing boutiques, eateries, and galleries. Heard Natural Science Museum & Wildlife Sanctuary: This 289-acre sanctuary is an ode to the region's natural beauty, showcasing native plants, animals, and geology. The facility combines education with recreation, making it ideal for families. Towne Lake Recreation Area: Spanning 108 acres, this lake is the epicenter of outdoor activities, from paddle boating to fishing, and offers picturesque trails for hiking and biking. Chestnut Square Historic Village: A living testament to McKinney's rich heritage, this village features historically significant buildings, ranging from a chapel to a one-room schoolhouse, offering regular tours and events.

Best Things to Do:

Dive into local artistry at the McKinney Performing Arts Center, located in the historic Collin County Courthouse in downtown McKinney. Experience the city's culinary delights in its myriad restaurants, especially those that offer farm-to-table experiences showcasing local produce. Engage in seasonal festivities like the Home for the Holidays event, a beloved McKinney Christmas tradition, or the annual Oktoberfest. Explore the Erwin Park Hike & Bike Trail for a refreshing adventure amidst nature.

Little Known Facts:

McKinney is home to the Adriatica Village, a unique development inspired by the coastal towns of Croatia, specifically Supetar, a Croatian sister city of McKinney. An episode of the popular TV series "Prison Break" was filmed at the McKinney Performing Arts Center. The city has a unique "Tree Adoption Program" aimed at preserving and expanding its urban tree canopy. McKinney is a delightful tapestry of heritage, community, and natural splendor. It's a place where history resonates in modern rhythms, where nature's beauty is just a step away, and where every corner, from its historic downtown to its lush parks, promises an enchanting experience. Whether you're captivated by its rich past, the serenity of its landscapes, or the allure of its contemporary spirit, McKinney beckons with the promise of genuine Texan hospitality.

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 McKinney, TX.

Weather Risks:

Heat and Air Quality Hazards

Extreme Heat: Between June and November, McKinney often experiences extreme heat, which can begin as early as April. This is characterized by temperatures that exceed the regional average high by 10 degrees or more for extended periods. The urban heat effect of the nearby Dallas / Fort Worth Metroplex makes McKinney especially susceptible. Alongside high temperatures, air quality can deteriorate, leading to increased concentrations of pollutants such as ozone and carbon monoxide.

Alert Levels: The National Weather Service provides various alerts ranging from Excessive Heat Outlooks, which hint at potential heatwaves in the coming week, to Excessive Heat Warnings/Advisories, which indicate imminent or ongoing hazardous heat conditions. An Ozone Health Advisory indicates elevated ozone levels that can be harmful when inhaled.

Water-Related Hazards

Flooding: McKinney is susceptible to flooding due to various reasons: hurricane remnants, dam or levee failure, blocked drainage systems, or sudden heavy rainfall. Types of floods include the fast and sudden flash floods and the more prolonged, predictable floods resulting from prolonged rainfall or overflowing water bodies.

Flood Preparation: Residents are encouraged to be aware of flood risks in their area, with the National Flood Insurance Program offering protection due to the lack of flood coverage in standard homeowner's insurance. Flood Insurance Rate Maps (FIRMs) categorize regions based on flood risk.

Alert Levels: Flood watches and warnings alert residents to potential or imminent flooding, while flash flood watches and warnings indicate sudden, heavy rainfall that can quickly inundate roads and low-lying areas.

Hail: McKinney, due to its location, can experience hailstorms, especially during severe thunderstorms and tornadoes. Hailstones can vary in size, from pea-sized to as large as a softball, causing varying degrees of damage.

Severe Weather Phenomena

Thunderstorms & Lightning: McKinney can witness thunderstorms that arise from the presence of moisture, unstable air, and lift (like a cold front). Thunderstorms can bring along straight-line winds, large hail, flash floods, and even tornadoes. There are also "dry" thunderstorms, where rain evaporates before reaching the ground, but lightning can still strike and potentially start fires.

Alert Levels: The National Weather Service issues Severe Thunderstorm Watches and Warnings based on the likelihood and occurrence of dangerous storms.

Tornadoes: Particularly during March to May, tornadoes pose a risk to McKinney. Formed from strong thunderstorms, they appear as rotating funnel-shaped clouds that can cause significant damage.

Alert Levels: Tornado Watches alert residents when conditions favor tornado formation, while Tornado Warnings are issued when a tornado is observed or detected by radar.

Winter Weather: Occasionally, McKinney experiences winter weather conditions like freezing rain, ice, snow, and extreme cold (below -32°F).

Alert Levels: Residents are alerted about potential winter storms, hazardous winter weather, and life-threatening conditions through Winter Storm Watches, Advisories, Warnings, Blizzard Warnings, and Frost/Freeze Warnings. The wind chill index also helps residents understand how cold it feels when accounting for wind speed.

Recommended Neighborhoods in McKinney, TX.

Property Crime Rates in McKinney, TX.

McKinney, located in the state of Texas, offers residents a blend of safety and urban charm. One of the aspects that stand out when evaluating the city's crime metrics is its property crime rates.

According to FBI crime data analyzed by NeighborhoodScout, McKinney has a property crime rate of 10 per 1,000 residents. This rate is on par with the national average for all cities and towns, regardless of size. Property crimes, as defined by this analysis, encompass burglary, larceny valued at $50 or more, grand theft auto, and arson.

While the overall crime rate in McKinney is about average for all American towns and cities, it's worth noting that when compared to other communities of similar population size, McKinney stands out as having one of the lowest crime rates in the nation. This puts McKinney among some of the safer places to live in the country, especially considering its size.

Diving deeper into the property crime specifics:

Residents and potential settlers in McKinney can take comfort in the fact that, while the city's property crime rates are average for the country, its standing amongst similarly sized communities paints a positive picture. McKinney's proactive community engagement, combined with law enforcement efforts, likely plays a significant role in maintaining this status. However, it remains crucial for residents to stay informed and take individual safety measures to further reduce the risk of property crimes.

Choice of 6 insurance coverage in McKinney, TX.

Cyber Security Coverage:

What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.

Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.

Inflation Guard Endorsements:

What it is: Adjusts policy limits to account for inflation, ensuring that coverage keeps pace with rising repair or replacement costs.

Why it's needed: Protects the real value of insurance over time, ensuring that homeowners are adequately covered despite inflation.

Personal Injury Coverage:

What it is: Offers protection against legal liabilities for non-bodily injuries like libel, slander, or invasion of privacy.

Why it's needed: In our digital age, the risk of non-physical personal injuries has grown, making this a relevant addition to many policies.

Vandalism and Malicious Mischief Coverage:

What it is: Protects against damages or losses resulting from deliberate acts of destruction or harm.

Why it's needed: Provides peace of mind in areas where vandalism might be a concern, ensuring that damages are covered.

Collapse Coverage:

What it is: Covers damage to a mobile home if it unexpectedly collapses due to specific causes other than age or wear and tear.

Why it's needed: While uncommon, collapses can be devastating. This coverage ensures homeowners can rebuild or repair in such an event.

Sewer or Drain Backup:

What it is: Protection against damages from water or sewage backing up into the home.

Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.

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 McKinney, TX

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

Highpoint MHC

All ages community located at 2201 S Highway 5, McKinney, TX 75069
Pet-friendly community with pet restrictions (20 lbs or less, no aggressive breeds)
Offers off-street parking, paved streets, and average street width
Year built: 1968
Number of sites: 174
Distance to water: 0.9 miles

Princeton Village

Beautiful manufactured home community located in Princeton
Offers large shaded sites with concrete streets and parking pads
Features a 60 ft. swimming pool, commercial playground, and basketball court
Provides a quiet country setting and professional on-site management Offers homes for both families and seniors
Conveniently located on Highway 380 in Princeton

American Legend Homes - Canyon Falls 60

Premier new home builder in Canyon Falls
Offers unique home designs on 60’ wide homesites
Plans range from 3,200 – 4,500 square feet with options for customization
Located in Argyle, near Denton, Alliance Center, and Fort Worth
Community features resort-style amenities, natural trails, and more Students attend Argyle ISD, a highly coveted school district

OCH Custom Homes

Premier custom home builder in the Dallas/Ft.Worth area
Offers custom home designs that prioritize customers' wants and needs Family-owned with three generations of success
Focuses on creating affordable dream homes
Offers various home styles, including cottages and villas
Provides the option to build on your own lot


Manufactured housing community located at 1414 S Tennessee St, McKinney, TX 75069
Offers air-conditioned units, city water and sewer, off-street parking, and online bill payment
Located minutes from shopping, schools, and markets
Provides a relaxed atmosphere with easy access to amenities

Hilltop Buildings Co.

Prominent mobile home dealer in McKinney, TX
Offers a range of mobile homes for sale
Features in-stock homes and custom home quotes available upon request Provides options for double wides and price matching
Offers Frigidaire appliances, heating kits, AC units, and hot water heaters with home purchases

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

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

Significance: McKinney experiences frequent severe weather events, including hailstorms and high winds. This coverage is vital to protect your property from damages caused by these weather-related risks, which can be substantial and costly to repair.

Significance: Even in relatively safe neighborhoods, theft and vandalism can occur. This coverage is essential to mitigate financial losses in case your belongings or property are targeted, providing peace of mind and financial protection.

Significance: While not all areas in McKinney are flood-prone, heavy rains and sudden weather changes can lead to localized flooding. This coverage is crucial to safeguard your property from the damages caused by flooding, as standard policies usually don’t cover flood damage.

Significance: Accidents can happen on your property, and if you’re found legally responsible, the financial consequences can be severe. Liability coverage protects your assets and provides financial support in case of injuries or damages occurring on your property.

Significance: Your personal belongings have value and can be vulnerable to various risks like fire, theft, or weather-related damage. This coverage ensures you can replace or repair your belongings if they’re damaged or stolen, preventing financial strain.

Significance: RVs are susceptible to theft, vandalism, and various natural disasters. Comprehensive coverage ensures that your RV is protected from these risks, helping you avoid significant financial losses and ensuring your investment remains intact.

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


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