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Protecting Your Manufactured Home in Waco 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 Waco, TX: Costs, Coverage, and Considerations

Welcome to Waco, Texas -where the Brazos River weaves a tale of heritage, revival, and resilience!

Perched on the banks of the mighty Brazos River, Waco stands as a symbol of Texan tenacity, cultural richness, and the spirit of rebirth. With a history that mirrors the ebb and flow of the river it cherishes, Waco is a city that has seen times of prosperity, adversity, and remarkable transformation, making it a beacon for explorers, learners, and dreamers.

Waco's story begins with its indigenous inhabitants, the Huaco Indians, from whom the city gets its name. Yet, it was in the mid-19th century that Waco began to flourish as a key trading and transportation hub, primarily due to its strategic location along the Brazos and the establishment of the Waco Suspension Bridge, an engineering marvel of its time.

The city's cultural fabric is intricately woven with threads of history, a testament to which is the Dr. Pepper Museum. Born in Waco in the late 19th century, this iconic soft drink and its associated lore is a source of pride for locals. The museum not only chronicles the journey of the beloved beverage but also offers a nostalgic trip into America's soda pop culture.

While many cities have universities, few can claim an institution as integral to their identity as Baylor University is to Waco. Established in 1845, this renowned institution has long been a crucible of learning, innovation, and community engagement, significantly shaping Waco's ethos and skyline.

However, modern Waco's claim to fame is perhaps its renaissance as a hub for home improvement enthusiasts and lovers of rustic charm, primarily due to the influence of Chip and Joanna Gaines. Their Magnolia Market at the Silos has transformed a once-neglected part of the city into a bustling center of design, decor, and delightful bites, drawing visitors from far and wide. Nature too has graced Waco with its bounties. Cameron Park, one of the largest municipal parks in Texas, is a veritable playground for outdoor enthusiasts. With its sprawling trails, scenic overlooks, and the adjacent Cameron Park Zoo, it's a locale where nature's wonders can be embraced in all their glory.

Waco's commitment to preserving its heritage is palpable in sites like the Texas Ranger Hall of Fame and Museum, which honors the legacy of the state's iconic law enforcement agency. Meanwhile, the Mayborn Museum Complex, with its interactive exhibits, offers both young and old an engaging journey through natural history and the cultural heritage of the Central Texas region. Yet, Waco is not without its scars, and it wears them as badges of resilience. The city has faced its share of challenges, including the infamous Waco Siege of 1993. But true to its spirit, Waco has emerged stronger, turning sites of past tragedies into places of remembrance and learning.

The culinary scene in Waco is as diverse and delightful as its history. From food trucks offering gourmet bites by the riverside to quaint cafes with histories as rich as their coffee brews, Waco serves up flavors that tantalize the palate and warm the heart.

In essence, Waco is a testament to the enduring spirit of Texas. It's a place where history flows as freely as the Brazos, where the echoes of the past blend seamlessly with dreams of the future, and where every brick, trail, and storefront has a tale to tell. For those seeking a blend of Texan history, cultural vibrancy, and the promise of discovery, Waco stands ready to welcome, inspire, and captivate.

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 Waco TX.

Weather Risks:

Tornado Index

Waco, TX: 265.94
Texas Average: 208.58
U.S. Average: 136.45
A higher tornado index indicates a higher chance of tornado events. Waco surpasses both the Texas and U.S.
averages, highlighting an elevated risk in the region.

Weather Extremes (1950-2010)

Drought: 16 events
Flood: 404 events
Hail: 1,241 events
Heat: 1 event
Heavy Snow: 6 events
Ice Storm: 3 events
Strong Wind: 9 events
Thunderstorm Winds: 1,022 events
Wildfire: 2 events
Winter Storm: 3 events
Winter Weather: 5 events
Other: 36 events

Recent Severe Weather Events

As of April 28, 2023, Central Texas, including Waco, faced an eerily similar setup to previous severe weather. There was an anticipation of large hail, strong wind gusts, and potentially a tornado. With a severe weather risk rated at level 3 out of 5, the primary concerns were large hail and wind gusts. The storms also brought significant rain, with parts of Central Texas experiencing more than 3 inches in a few hours, leading to flash floods. Notably, there was a water rescue incident in Groesbeck where occupants had to be saved from their car by first responders.

Recommended Neighborhoods in Waco, TX.

Property Crime Rates in Waco, TX.

Waco, Texas, a city renowned for its rich history and cultural significance, unfortunately, also bears the weight of high crime rates. With a staggering rate of 42 crimes per 1,000 residents, Waco's crime statistics are of concern. Delving deeper, a resident in Waco faces a 1 in 29 chance of becoming a victim of property crime, which translates to 34 crimes per 1,000 population – an alarmingly high figure.

Let's break down the facets of property crime in Waco to paint a clearer picture:


Burglary is an intrusive crime, affecting not just personal belongings but also an individual's sense of security in their own home. In Waco, like in many urban centers, burglary remains a notable concern. Residents can adopt measures such as fortified doors, windows, security systems, and neighborhood watch programs to deter potential burglars.


In Waco, thefts exceeding a value of $50 fall under larceny. This can range from petty shoplifting to more significant thefts. Ensuring valuables are not left unattended, and remaining vigilant in crowded places can minimize the risk of falling victim to such crimes.

Motor Vehicle Theft:

Owning a vehicle in Waco comes with its set of risks, given the prevalence of motor vehicle thefts. Car owners are advised to invest in robust security measures for their vehicles, including car alarms, steering wheel locks, and tracking systems.


Arson, the malicious act of deliberately setting fire to property, can result in colossal damage both in terms of property loss and the potential risk to lives. While the data does not provide a specific frequency for arson in Waco, the fact that it's monitored indicates its occurrence and significance.

It's worth noting that while these statistics are concerning, they also serve as a clarion call for collective action. Engaging with local law enforcement, participating in community-led initiatives, and fostering a communal sense of vigilance can go a long way in improving the city's crime landscape.

Choice of 6 insurance coverage in Waco, TX.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

Additional Living Expenses:

What it is: Covers living costs if a homeowner must temporarily relocate due to a covered loss.

Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

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 Waco, TX

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

Lake Waco RV Park

Situated on Lake Waco's shoreline at 3201 Over Flow Road, Waco, Texas
Features full hook-up sites with 50 amp and 30 amp electricity, water, and sewer, as well as partial hookup sites with water and electricity
Offers picnic tables, Wi-Fi access, and welcomes pets
Phone: 254-717-1901 (Text/VM)

Waco Mobile Home Park

Located at 4022 E. Harris St, Office, Bellmead, TX 76705-3102
Offers affordable 3-bed/2-bath homes for sale or rent
Managed by Waco MHP with multiple mobile home parks in Waco/Bellmead Provides city living in a quiet setting, polite and caring residents, lighted paved streets, off-street parking, and trash pickup
Phone: (575) 489-6592

Alta Vista MHC, Ltd.

All ages manufactured home community located at 2601 North Robinson Drive, Waco, TX 76706
Offers pet-friendly environment with amenities like off-street parking,
playground, swimming pool, and more Year Built: 1971, Number of Sites: 72 Phone: (254) 772-7573

Concord RV Parks

Offers three RV park communities with unique features
Located at 4855 E. Hwy. 84, Waco, TX 76705
Concord RV Estates Park offers luxury living with carports, utility rooms, concrete slabs, and wooden privacy fences
Phone: (254) 799-9110

North Crest Rv Park

Provides full hookups, propane, WiFi, and pull-thru sites
Located at 1123 N Lacy Dr, Waco, Texas 76705
Offers amenities like spacious shower houses, laundry facilities, on-site propane, and more
Phone: (254) 799-3963

Patriot RV Park

Situated at 988 Riverview Road, Waco, Texas 76706
Offers 17-acre park with Brazos River access, swimming pool, hook-ups, concrete sites, showers, dog park, and more
Provides daily, weekly, and monthly rates
Phone: 254-265-7845

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

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

Interstate 35 is a major thoroughfare running through Waco, bringing along risks related to heavy traffic and potential accidents. Ensure you have adequate collision coverage.

The areas around Waco feature parks and nature reserves. Being insured against potential encounters with wildlife or natural obstacles is a wise choice.

As with much of Texas, Waco experiences hot summers. Insurance that offers protection against heat-related damages to your RV or mobile home’s components is a good consideration.

Magnolia Market, made famous by Chip and Joanna Gaines’ “Fixer Upper” TV show, draws a significant number of visitors. Insurance against potential incidents resulting from increased tourist traffic can be beneficial.

Waco has several historic sites. If you’re parking near or visiting these areas, consider protection against potential damages or incidents related to the unique characteristics of these sites.