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Protecting Your Manufactured Home in Plano TX.

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

Welcome to Plano, Texas -a modern city with timeless charm in the Lone Star State!

Nestled within the bustling heart of the Dallas-Fort Worth Metroplex, Plano is far more than just a suburban retreat; it stands as a city of distinction, of progress, and of community spirit. Its skyline, though modern, is punctuated with spaces that speak of history, culture, and a commitment to the environment. Over the years, Plano has gracefully transformed from quiet farmlands to a dynamic urban center without losing its soul in the process.

Plano's origins trace back to the early 1840s, with the arrival of settlers attracted to the rich farming land offered by the blackland prairies. The arrival of the Houston and Central Texas Railway in the 1870s accelerated its growth, with the city becoming an important commercial center. As the decades rolled on, Plano transitioned from its agrarian roots, embracing modernity and urbanization while preserving key elements of its storied past.

The city's economic significance is undeniable. As home to several leading global corporations, including the likes of Toyota North America, Frito-Lay, and J.C. Penney, Plano is a powerhouse, driving innovation and commerce. Its robust business environment is complemented by an educational framework that champions excellence, with the city's schools often garnering accolades. Yet, amid its corporate skyscrapers and modern architecture, Plano's heart beats with culture and recreation. The historic downtown district, with its quaint boutiques, eateries, and the Interurban Railway Museum, is a delightful walk through time. The Courtyard Theater, a former gymnasium transformed into a state-of-the-art performance venue, showcases the city's commitment to the arts.

Nature lovers aren't left wanting. The Arbor Hills Nature Preserve, spread over 200 acres, is a testament to Plano's dedication to the environment. With its vast trails, playgrounds, and observation tower, it offers a serene escape from city life. Bob Woodruff Park, with its picturesque lakes and trails, provides another haven for those seeking solace in nature.

Plano is also a city of festivals. Events like the Plano International Festival and the Plano Balloon Festival paint the city in vibrant hues, celebrating its diverse community and offering spectacular sights and experiences.

One of the lesser-known facets of Plano is its intriguing legacy in cinema. The city served as a backdrop for the 1980s television drama "Dallas." Moreover, the city’s commitment to preserving its historical sites is evident in places like the Heritage Farmstead Museum, which provides a glimpse into life on the Blackland Prairie in the 1890s.

In summation, Plano, with its harmonious blend of the modern and the historic, the corporate and the artistic, the urban and the natural, stands as a shining example of a city that has grown with intention and vision. It beckons to both residents and visitors with its promise of diverse experiences, all while maintaining its warm, Texan charm.

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 Plano, TX.

Weather Risks:

Wind-Related Hazards:

Tornadoes and Severe Storms:
Plano is vulnerable to hurricanes, tornadoes, and severe storm winds. Historical records indicate 480 wind events in Collin County, including a notable F3 tornado in 1957 causing $2,750,000 in damage. With climate change, wind gusts from rare storms could intensify, reaching up to 92 mph in 30 years from the current 88 mph.

Though Plano is inland, the residual effects of hurricanes can cause wind damage. A warming atmosphere and seas may result in more powerful hurricanes, impacting Plano's wind risk.

Temperature and Drought Hazards:

Extreme Heat:
Heat poses an extreme risk to Plano. Historically, there were an average of 7 days/year over 101ºF between 1985-2005. By 2050, this is predicted to increase to 37 days/year.

The East Fork Trinity watershed, which includes Plano, has experienced significant periods of drought since 2000. Climate change may exacerbate these conditions, impacting water resources and agriculture.

Water-Related Hazards:

Plano has notable flood risk with 3,211 properties predicted to be at severe risk over the next 30 years. There's an average 34% chance of experiencing a flood about 11.0 inches deep during this time frame for buildings in the city.

Increased Precipitation:
Alongside flooding risks, Plano can expect an increase in extreme storm events. Predictions for 2050 anticipate around 11 extreme storms per year, which can lead to flash flooding and property damage.

It's imperative for residents and city planners to consider these risks, adapt building codes, and implement mitigation strategies to ensure safety in the face of changing climatic conditions.

Recommended Neighborhoods in Plano, TX.

Property Crime Rates in Plano, TX.

Plano, a city known for its growth and development in Texas, presents an intriguing crime landscape. Despite its crime rate of 18 incidents per one thousand residents, it doesn't rank among those with the most elevated crime rates.

Position in Texas:

Plano's crime rate surpasses that of 72% of Texas cities and towns, irrespective of their size, placing it higher on the spectrum.

Comparison with Similar Cities:

When Plano's crime rates are contrasted against cities of similar size nationally, a more positive narrative emerges. Plano is safer than a majority of its size counterparts. This distinction offers some solace to its residents and provides a perspective that the city is moving in the right direction.

Violent Crime:

The violent crime rate in Plano stands at 2 per thousand residents, which mirrors the national average. This rate encompasses serious offenses such as armed robbery, aggravated assault, rape, and more. Translating this into a tangible risk, a resident's likelihood of being victimized by a violent crime in Plano is 1 in 621.

Property Crime:

Property crime in Plano is more concerning, with a rate of 17 per one thousand residents. When gauged against the national backdrop, this positions Plano as a location with an above-average risk of property crimes such as motor vehicle theft, arson, and more. A Plano resident faces a 1 in 60 chance of being affected by such a crime.

Although the statistics provide a lucid picture of Plano's crime situation, they should be interpreted within a broader context. Plano's trajectory of development, its proactive community, and law enforcement initiatives are continuously working to make the streets and neighborhoods safer.

Choice of 6 insurance coverage in Plano, TX.

Loss of Rent Coverage:

What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.

Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.

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.

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 Plano, TX

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


Located in Wylie, minutes from Historic Downtown Plano
Community features: Swimming pool, tennis courts, clubhouse, basketball courts, RV and/or boat storage, fitness center, keyed mailboxes, grass rec area, walking trails
Address: 216 Southfork Blvd., Wylie, TX 75098
Phone: (972) 442-6779

Cottonwood Grove

Three miles west of downtown Plano, off of 14th street
Amenities: Swimming pool, playground, keyed mailboxes
Address: 4500 14th Street, Plano, TX 75074
Phone: (972) 423-5288

Glen Knoll (Bayshore Manufactured Home Communities)

An All-Age Manufactured Home Community in Wylie, Texas
Nearby attractions: Top-rated school district, In-Sync Exotics Refuge, Lavon Lake, Breckinridge Park
Address: 64 Glen Knoll Wylie, TX 75098
Phone: (972) 442-2129

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

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

  • With higher pedestrian traffic and neighboring properties in close proximity, the potential for someone to get injured on or around your property increases. Enhance your liability coverage to protect against claims.

  • For RV owners on the move, Plano’s busy streets mean a higher risk of collisions. Ensure you’re covered if you’re hit by someone without adequate insurance.

  • If you’ve made modifications to your mobile home or RV, which is common in a city environment to maximize space or functionality, make sure these are covered against potential damages or theft.

  • If something happens to your mobile home or RV in Plano, requiring you to vacate temporarily, this coverage can help with hotel bills or rental expenses while repairs are made.

  • In more urbanized areas, issues with public sewage systems or drain backups can occur. This addition will cover damage to your property from these incidents.

  • If you’re participating in or visiting city events in your RV (like tailgating at a sports event), specific protections against potential liabilities related to such activities can be beneficial.

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



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