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Protecting Your Manufactured Home in Midland TX.

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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 Midland, TX: Costs, Coverage, and Considerations

Welcome to Midland, Texas: -the skyline on the horizon of West Texas!

As one delves into the vast expanse of West Texas, the city of Midland emerges like an oasis, painting the skyline with its urban architecture and rich tapestry of history, culture, and energy. Often termed the "Gateway to the Big Bend," Midland's evolution from a railway stop to an energy titan is not just a tale of economic prosperity but also a chronicle of a community's indomitable spirit.

The genesis of Midland traces back to the late 19th century when the Texas and Pacific Railway established it as the midpoint between Fort Worth and El Paso. Its apt naming, "Midland," signifies this geographical centrality. While the early years saw Midland flourish as a ranching and farming community, the discovery of oil in the Permian Basin during the 1920s dramatically shifted its destiny. The city soon became a nucleus of the oil industry, shaping not only the regional economy but also the global energy market.

Midland's significance is manifold. It serves as the administrative center of the vast Permian Basin, one of the most prolific oil and gas-producing regions in the world. But beyond its black gold, Midland is a confluence of art, education, and culture. The presence of institutions like the Midland College and the University of Texas of the Permian Basin underscores its commitment to academic excellence and community development.

Attractions in Midland are as diverse as its history. The Permian Basin Petroleum Museum offers a deep dive into the world of oil, showcasing the intricate details of the industry, from geology to technology. For those seeking a touch of culture, the Wagner Noël Performing Arts Center stands as an epitome of architectural beauty and is a hub for theatrical and musical performances. The Museum of the Southwest, housed in the historic Turner Mansion, is a trifecta of art, history, and science, providing a panoramic view of the region's heritage.

Nature also bestows its bounty upon Midland. The I-20 Wildlife Preserve offers a serene haven for birdwatchers and nature enthusiasts. The juxtaposition of the wetland habitat against the arid West Texas backdrop creates a mesmerizing contrast. For stargazers, the Marian Blakemore Planetarium promises a celestial journey, unraveling the mysteries of the universe. Midland isn't without its quirks and lesser-known tales. For instance, many might be unaware that former Presidents George H.W. Bush and George W. Bush once called Midland their home, shaping their early lives and careers. The city's vibrant spirit is also evident in its celebrations, with events like the "Summer Mummers," an annual melodrama, offering a unique blend of theater and interactive fun.

In essence, Midland is more than its oil derricks and energy corridors. It's a city that thrums with life, echoing the tales of pioneers, oil barons, artists, and educators. Amidst the vastness of West Texas, it stands as a testament to human endeavor and resilience, beckoning travelers to partake in its journey from the heart of the desert to the zenith of global significance.

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 Midland, TX.

Weather Risks:

Extreme Temperature and Associated Risks

Heat Vulnerability:
Forecast: From 1985-2005, Midland experienced an average of 7 days with temperatures above 101.0ºF annually. By 2050, this number is projected to increase to 44 days per year.

Implications for Mobile Homes:
Excessive heat can deteriorate the exterior of mobile homes, strain HVAC systems, and potentially increase risks of heat-related medical emergencies.

Preventative Measures:
Install reflective or light-colored roofing, maintain air conditioning units, and consider the use of energy-efficient windows and insulations.

Cold Weather Hazards: Heating Equipment Risks: Space heaters should be upgraded to models with auto shut-off features. There should be a 3-foot clearance around them to prevent fires. Fireplaces should be well-maintained with flames kept at a manageable size.

Carbon Monoxide Danger:
Gas-fired appliances might produce carbon monoxide. Thus, the installation of a working carbon monoxide detector is essential.

Fire Marshal Assistance:
For uncertainties regarding winter hazards, the fire marshal's office in Midland can assist, and if issues are identified, referrals to licensed heating and mechanical companies will be provided.

Water-Related and Atmospheric Hazards

Flood Vulnerability:
Statistics: Around 26% of structures in Midland are at risk of flooding. Buildings have a 40% chance of experiencing a 1.5 feet deep flood over three decades. Implications for Mobile Homes: Flooding can cause severe damage, from foundational issues to water damage inside the home.

Preventative Measures:
Elevate the home, check and maintain skirting vents, and consider barriers or sandbags for flood-prone seasons. Drought and Precipitation:

Current Status:
71% of weeks since 2000 have seen some form of drought, with 19% experiencing Extreme or Exceptional drought. However, extreme precipitation is also a factor, though the amount is expected to remain consistent through 2050.

Implications for Mobile Homes:
Drought can affect foundational stability, while excessive precipitation can lead to flooding or water damage.

Preventative Measures:
Regularly check the foundation during droughts and ensure proper drainage systems are in place for heavy rainfall periods.

Fire Risk and Mitigation

Fire Risk Data:
Overall Risk:
About 5% of buildings in Midland face a very high risk from wildfires. The most hazardous fire weather days are increasing in frequency. Implications for Mobile Homes: They are particularly susceptible to fires, and proximity to vegetation can elevate this risk.

Preventative Measures:
Clear flammable vegetation around the mobile home, use fire-resistant materials, and adhere to fire safety protocols, especially during high-risk days.

Fire Marshal's Recommendations:
Fireplace Maintenance: Regular cleaning and inspection to ensure the chimney is clear and the fireplace is functioning safely.

Space Heater Precautions:
Ensure adequate spacing and keep away from flammable materials like bedding or clothing.

Carbon Monoxide Monitoring:
Especially important for mobile homes with gas appliances. Make sure to install and regularly check carbon monoxide detectors.

Mobile home owners in Midland should consistently assess and update their insurance coverage to ensure these risks are covered. Moreover, adhering to recommendations and local guidelines can further minimize these risks.

Recommended Neighborhoods in Midland, TX.

Property Crime Rates in Midland, TX.

Nestled in the Permian Basin of West Texas, Midland faces its own unique set of crime-related challenges. While its crime rate of 22 incidents per one thousand residents doesn't place it among the nation's highest, the statistics are still a matter of concern.

Position in Texas:

A comparison within its home state highlights that Midland's crime rate surpasses a significant 80% of Texas communities. This emphasizes the city's relative insecurity within the state's context.

Comparison with Similar Cities:

An interesting observation emerges when Midland's crime rate is benchmarked against cities of similar population size nationwide. The city finds itself in the median range, neither excessively high nor remarkably low, aligning with what one might statistically predict for a city of its size.

Violent Crime:

Midland's statistics on violent crime are notably concerning. With a chance of 1 in 219 for an individual to become a victim of violent crime, it's evident that the city grapples with a rate that is above the national average for communities across all sizes. This includes serious offenses ranging from armed robberies to more grievous crimes.

Property Crime:

The property crime scenario in Midland mirrors the broader trend. With a rate of 17 per one thousand residents, the city has an above-average risk profile in terms of property crimes. To put this in more tangible terms, a resident of Midland has a 1 in 58 chance of falling victim to crimes such as larceny, burglary, or motor vehicle theft.

These statistics underscore the pressing need for targeted interventions in Midland. While the city might sit in the middle of the pack when compared with cities of similar size, there is undeniable room for improvement, especially in the domain of violent crime.

Choice of 6 insurance coverage in Midland, TX.

Catastrophic Events:

What it is: Protection against major, unforeseen disasters like earthquakes, floods, and sometimes even terrorism.

Why it's needed: Standard mobile home policies might not cover such large-scale events. These coverages are essential for homes located in areas prone to these types of events.

Existing Coverage:

What it is: This isn't a rider, but a reminder to mobile homeowners to review what is and isn't covered under their current policy.

Why it's needed: Knowing what's already covered helps homeowners avoid overlapping or redundant coverages and identify gaps that need to be addressed.

Actions Within Control:

What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects.

Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.

Weather/Natural Risks:

What it is: Protection against damages from weather events like tornadoes, hurricanes, hail, and more.

Why it's needed: Mobile homes can be especially vulnerable to severe weather events. This coverage offers peace of mind in volatile climates.

Regular Wear and Tear:

What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time.

Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.

Service Line Coverage:

What it is: Protects against damage to underground utility lines or service lines, like water and sewage.

Why it's needed: Repairs to service lines can be expensive, and they're not always covered by local utilities or 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 Midland, TX

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

Windmill Ranch

Offers One and Two Bedroom Apartments with modern interiors
Amenities include a resort pool, outdoor entertainment spaces, fitness area, game room, coffee cafe, pet park, and pet spa

A-1 Homes Midland

Full-service provider of manufactured homes in Midland, TX
Offers homes from various
manufacturers at affordable prices Dedicated to helping customers find their perfect home

Palm Harbor Homes

Trusted manufactured home dealer offering Fleetwood Homes
Specializes in double wide, single wide, and prefab homes
Located in Midland, TX
Address: 7212 West Hwy 80, Midland, TX 79706

Horseshoe Lodges

Offers fully furnished cabin-suites and RV spaces
Conveniently located near downtown Midland
Address: 8005 E Hwy 80, Midland, TX 79705
Contact: (432) 530-8258

Solitaire Homes of Midland

Offers high-quality manufactured homes with various floorplans
Provides outstanding service and financing options
Address: 4608 West Wall Street, Midland, TX 79703
Hours: Mon-Fri 9 am - 6 pm, Sat 9 am - 5 pm, Sun Closed

Burnett Homes Ltd.

Committed to providing quality mobile
homes and modular homes at fair prices
Offers a range of manufactured home financing options

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

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

For Mobile Homeowners and RV Owners in Mesquite.

Significance: Mesquite is prone to tornadoes and severe weather events. This coverage is crucial to protect your property from damages caused by tornadoes and other severe weather phenomena, ensuring financial security in case of such events.

For Mobile Homeowners and RV Owners in Mesquite.

Significance: While flood insurance is essential, a localized flooding endorsement specifically addresses the risk of sudden and heavy rainfall causing localized flooding in Mesquite. This coverage adds an extra layer of protection against these specific risks.