Any questions?
(877) 417-8733

Protecting Your Manufactured Home in Round Rock TX.

Covertree’s Comprehensive Guide!

Powered by

Disclaimer: Data Accuracy and Sources

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 Round Rock, TX: Costs, Coverage, and Considerations

Welcome to Round Rock, Texas -the gateway of technology and tradition in Central Texas!

Emerging from the expansive landscapes of Central Texas is Round Rock, a city that elegantly marries its rich history with contemporary vibrancy. Situated just a stone’s throw away from Austin, Round Rock is more than a burgeoning suburb; it's a community with deep-rooted traditions, a hub for technological innovation, and a canvas painted with natural beauty.

Round Rock's origins can be traced to the mid-19th century when it was known merely as "Brushy." The city's current name stems from a distinct round rock located in the shallow of Brushy Creek, which served as a landmark for Comanche tribes and early settlers. This namesake rock, steeped in history, stands as a silent sentinel to the passage of time and the city's evolution. In modern contexts, Round Rock is often synonymous with the tech giant, Dell, which has its headquarters firmly planted in the city. This association with technology and innovation has catalyzed Round Rock's transformation into a major player in the business arena, attracting a diverse array of industries and talent.

Yet, amid the buzz of modernity, Round Rock hasn't lost touch with its past. The city’s historic downtown district is a vibrant mosaic of architectural elegance, boutique shops, and local eateries. It's a place where the pulse of the present harmoniously blends with echoes of yesteryears. Structures like the Sam Bass Theatre, named after the infamous outlaw, offer glimpses into the city's storied past and its commitment to the arts.

Natural beauty is generously sprinkled across Round Rock. The Brushy Creek Regional Trail is a haven for outdoor enthusiasts, winding its way through picturesque landscapes, parks, and water bodies. Old Settlers Park, sprawling over 645 acres, offers a plethora of recreational activities, from baseball and cricket to fishing and picnicking, ensuring there's something for everyone. One of Round Rock's hallmark events is the annual Chalk Walk Arts Festival. Here, streets transform into vibrant canvases as artists conjure masterpieces under the open sky, embodying the city’s spirit of creativity and community. The city’s culinary scene, too, is noteworthy, with the famed Round Rock Donuts serving as both a local favorite and a tourist attraction, their legendary Texas-sized donuts capturing both palates and hearts.

A lesser-known tidbit about Round Rock is its reputation as the "Sports Capital of Texas." The city boasts a plethora of top-notch sports facilities and frequently hosts a wide range of tournaments, from youth soccer to adult softball.

In essence, Round Rock is a microcosm of Texas’s broader ethos. It champions progress while revering tradition, celebrates community spirit amid individual enterprise, and offers the comforts of urban living with the charm of a tight-knit town. For those who venture to this part of Central Texas, Round Rock promises a tapestry of experiences, interwoven with history, innovation, culture, and natural splendor.

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 Round Rock, TX.

Weather Risks:

Wind-Related Hazards:

Tornadoes and Severe Storms:
Severe weather, particularly tornadoes, is prevalent in Central Texas, with Round Rock being no exception. The city has a tornado index value of 240.08, which is notably higher than the Texas average of 208.58 and significantly above the U.S. average of 136.45. This index indicates Round Rock's elevated risk for tornado events. It's crucial to understand the difference between a tornado watch (which signals that conditions are favorable for tornadoes) and a tornado warning (which indicates a tornado has been sighted or picked up by radar).

Hurricanes and Severe Storm Winds:
Round Rock has a Severe Wind Factor™ risk primarily from hurricanes. Historically, thunderstorm winds were reported 934 times within 50 miles of Round Rock from 1950 to 2010. The city has seen an increase in average maximum wind speeds over the last 30 years, and about 30% of homes in Round Rock are at risk from wind events.

Temperature Extremes:

Extreme Heat:
Round Rock is predicted to experience a significant 228.6% increase in the number of days with temperatures exceeding 108ºF over the next three decades. This increasing trend emphasizes the need for appropriate precautions and infrastructure adaptations to deal with heatwaves.

Other Weather-Related Risks:

Flooding:
Flood events are among the most frequently recorded weather extremes in Round Rock, with 692 reported incidents within 50 miles of the city from 1950 to 2010.

Various Weather Extremes:
Over the same period and area, there were notable occurrences of hail (1,234 incidents), heat (10 incidents), and winter weather (18 incidents). These figures underscore the variety of weather risks Round Rock residents might face.

Being prepared and understanding the distinction between weather watches and warnings can make all the difference. It's essential for residents to stay informed, have emergency plans in place, and adapt to ensure safety in the face of these varying and changing climatic conditions.

Recommended Neighborhoods in Round Rock, TX.

Property Crime Rates in Round Rock, TX.

Round Rock, a city renowned for its growth and vibrant communities within Texas, also contends with crime rates that are notably higher than the national average. With 21 crimes per one thousand residents, it doesn't rank among the cities with the utmost high crime rates, yet its standing is still a concern.

Position in Texas:

Round Rock's crime rate surpasses that of 80% of Texas cities and towns, irrespective of their size. This is a data point that both residents and policymakers cannot afford to overlook.

Comparison with Similar Cities:

By juxtaposing Round Rock's crime rate with cities of comparable size across the U.S., the findings are somewhat more reassuring. The city's crime rate gravitates around the median, indicating that its safety levels are more or less in line with other cities its size.

Violent Crime:

A deeper delve into Round Rock's crime landscape indicates that the violent crime rate stands at 2 per thousand residents. This encompasses grave offenses such as armed robbery, aggravated assault, rape, and even murder. However, the silver lining is that this rate is roughly akin to the national average. In tangible terms, a Round Rock resident's risk of falling victim to a violent crime is 1 in 632.

Property Crime:

On the other hand, property crime is a more pressing concern in Round Rock. At a rate of 20 per one thousand residents, it indicates an above-average likelihood of becoming a victim when stacked against the national framework. To make this more palpable, residents face a 1 in 50 chance of being affected by property crime.

While these statistics provide a clear lens into the crime environment of Round Rock, it's paramount to view them in a broader context. Round Rock's trajectory of growth, development, and community engagement can serve as robust pillars to address and reduce these crime rates. The synergy of law enforcement, community leaders, and residents can pave the way for safer streets and neighborhoods.

Choice of 6 insurance coverage in Round Rock, TX.

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.

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.

Matching Siding/Roof:

What it is: Guarantees that if part of your siding or roof is damaged, the replaced section will match the existing, undamaged areas.

Why it's needed: Aesthetic consistency is important for home value, and mismatched repairs can be visually unappealing.

Pest Damage:

What it is: Coverage against damages caused by pests like termites, rodents, etc.

Why it's needed: Pest damage can be expensive to repair and isn't always covered in standard policies.

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.

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.

Rates:

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.

Deductibles:

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 Round Rock, TX

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

Boulder Ridge

Located in Pflugerville, TX
On-site amenities: Basketball court, children's playscape, athletic field, Community Clubhouse, monthly community events Close to higher education, metropolitan parks, historical attractions, and entertainment
Address: 3300 Killingsworth, Pflugerville, TX 78660

Blessing RV Park

102 RV sites and 154 RV Expansions
All sites are padded with concrete, have Wi-Fi, wired high-speed fiber internet, utilities, and more
Accommodates most RVs up to 45" in length
Address: 1102 Martin Avenue, Round Rock, TX 78681
Phone: (512) 255-3457

Chisholm Point

Located in Pflugerville, TX
Amenities: Clubhouse, pool, horseshoes, fitness center, baseball diamond, basketball and volleyball courts
Close to a wide selection of urban attractions and activities
Address: 900 Broken Feather Trail, Pflugerville, TX 78660

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

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

  • While the entire state of Texas can experience flash flooding, areas around Round Rock, especially near water bodies like Brushy Creek, might be more susceptible. Protect your mobile home or RV from potential water damage.

  • The region can see occasional wildlife visitors. Insurance against damage from creatures such as raccoons, possums, and even deer might be beneficial for RV and mobile homeowners.

  • With I-35 running through it, Round Rock can experience heavy traffic, especially during rush hours. This policy can cover potential damages when navigating congested areas or from minor fender benders.

  • The Greater Austin area, including Round Rock, can witness hailstorms. An enhanced policy ensures your mobile home or RV’s exterior and interior are protected against hail damage.

  • Round Rock often hosts local events, fairs, and festivals. If you plan to attend these or use your RV for any event-related purposes, this addition provides coverage against potential liabilities.

  • Being close to a major city means occasional trips to Austin. Coverage against potential incidents that might occur in the bustling urban environment of the capital city can be valuable.

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

References: