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Protect Your Manufactured Home in Abilene, 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 Abilene, TX: Costs, Coverage, and Considerations

Welcome to Abilene, Texas -a city that embodies that frontier spirit of Western heritage, traditional cultural richness, and modern flourish all rolled together!

In the heart of the Texas Midwest, where the rolling plains stretch as far as the eye can see, lies Abilene—a city that embodies the rugged spirit of the frontier while embracing the best of modern-day living. Established as a railroad town in the early days of the Texas and Pacific Railway, Abilene has grown into a vibrant city known for its welcoming community, rich cultural offerings, and deep-rooted Western heritage.

Abilene's historical roots dig deep into the Texas soil. Named after Abilene, Kansas, the original endpoint of the Chisholm Trail, the city was destined to be a center of agricultural trade and cattle ranching. Although the days of cattle drives are long gone, Abilene still bears the marks of its ranching past, evident in the events and exhibitions hosted at the Taylor County Expo Center. One of the foremost venues for livestock shows, rodeos, and equestrian events in Texas, the Expo Center stands as a living testament to the city's cowboy lineage.

Nature has been generous with Abilene, offering a landscape that appeals to outdoor enthusiasts and casual wanderers alike. The Abilene State Park is an oasis of tranquility and natural beauty, providing numerous opportunities for camping, hiking, and bird-watching. Lake Fort Phantom Hill offers a respite from the Texas heat, attracting anglers, boaters, and those looking for a simple picnic by the water.

Abilene is more than just a relic of the Old West; it's a burgeoning hub of arts and culture. The city boasts several renowned institutions, including the Abilene Philharmonic and the Center for Contemporary Arts. The historic Paramount Theatre, a 1930s movie palace restored to its former glory, hosts concerts, plays, and classic film screenings, adding a touch of timeless elegance to Abilene's downtown.

The city's commitment to education and learning is exemplified by its universities and colleges. From Abilene Christian University to McMurry University, these institutions not only offer quality education but also enrich the city's cultural and intellectual landscape through various programs and events.

One of the lesser-known but fascinating aspects of Abilene is its recognition as the "Storybook Capital of Texas." The city celebrates this title with various sculptures of children’s storybook characters scattered throughout the downtown area, as well as the annual Children's Art & Literacy Festival, which draws participants from all corners of the state and beyond. Culinary delights in Abilene range from hearty Texas barbecues to international cuisines, reflecting the diverse palate of its inhabitants. And if you're keen on exploring unique local flavors, you won't be disappointed. From food trucks to fine dining establishments, Abilene has something to offer every taste bud.

In essence, Abilene is where the past and present coalesce in a harmonious melody of experiences. It’s a city where the spirit of the frontier lives on, not just as echoes in historical sites or museums, but as a tangible, everyday reality. Whether you’re drawn by its Western legacy, its natural beauty, or its cultural offerings, Abilene welcomes you with open arms and a promise of an unforgettable Texas experience.

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 Abilene, TX.

Weather Risks:


Description: Tornadoes are not uncommon in Abilene, Texas. Their occurrence can bring strong, destructive winds and can cause significant damage to structures and landscapes.

Implications for Mobile/Manufactured/RV Home Owners: Mobile and manufactured homes are particularly vulnerable to the destructive force of tornadoes. It's essential to have a sturdy storm shelter nearby, as well as an emergency plan for quickly seeking refuge when tornado warnings are issued.


Description: Abilene experiences hailstorms that can produce large hailstones capable of causing property damage.

Implications for Mobile/Manufactured/RV Home Owners: Hail can severely damage the exterior of mobile homes and RVs. Consider installing hail-resistant roofs and other protective measures like carports or indoor storage.

Extreme Heat

Description: Abilene can experience days of extreme heat, increasing the risk of heat-related illnesses.

Implications for Mobile/Manufactured/RV Home Owners: Make sure your homes are equipped with efficient cooling systems. Extreme heat can affect the structural integrity of your home and can cause appliances to fail.

Recommended Neighborhoods in Abilene, TX.

Property Crime Rates in Abilene, 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:

Overall Crime Rate: 25 per 1,000 residents
Chance of Becoming a Victim: 1 in 39

Comparison with Texas and the U.S.

State Comparison: Abilene has a crime rate higher than 86% of Texas cities and towns of all sizes.
National Comparison: Abilene's overall crime rate is considerably higher than the national average, but not among the highest.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 5; chance of becoming a victim is 1 in 209.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 21; chance of becoming a victim is 1 in 48. Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: When compared to cities of similar size, Abilene's crime rate is near the middle of the pack—neither significantly more nor less dangerous than its counterparts.
Violent Crime: Violent crime in Abilene occurs at a rate higher than most communities of all sizes in the U.S.
Property Crime: Abilene also has an above-average rate of property crime compared to other communities in America, making it a place where there is an increased chance of becoming a victim.

Abilene, Texas, faces challenges with both violent and property crimes, with rates that are higher than most other communities in the state and the nation. Specifically, violent crime is a notable concern, as its rate is higher than most other American communities of all sizes. Property crime is also an area of focus, given the higher-than-average rates. These statistics suggest that community engagement, increased policing, and social intervention programs are essential for improving the safety conditions in Abilene.

Choice of 6 insurance coverage in Abilene, TX.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

Disappearing Deductibles:

What it is: Deductible decreases for each claim-free year.

Why it's needed: Rewards homeowners for not filing claims and provides financial benefits over time.

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.

Military Personnel:

What it is: Protects against personal property loss for military members when deployed.

Why it's needed: Offers peace of mind to those serving their country, ensuring their property is safe.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

Sinkhole Coverage:

What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock.

Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.

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 Abilene, TX

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

Phil's Boys RV Park

Location: Abilene, Texas

Description: Phil's Boys RV Park is a premier mobile home and RV park in Abilene, TX, situated between Dallas/Fort Worth and
Midland/Odessa in West Texas. The park is conveniently located across from the VFW, just north of Dyess Air Force Base.

Features: The gated park offers 24-hour security access and provides sites that are ready for phone, cable, and internet connections. It consists of 72 mobile home locations and 48 RV sites.

Attractions: The park is minutes away from attractions such as the Frontier Texas! Museum, the Abilene Zoo, and the Texas Forts Trail, which connects frontier landmarks. Contact: You can contact them for reservations or further information.

Abilene TX Mobile Homes

Description: Abilene TX Mobile Homes offers new and used homes in Abilene, Texas. They have mobile home lots available with affordable lot rents. Their goal is to provide a smooth and tailored path to home ownership.

Hours: Mon - Fri: 8 am - 5 pm Sat: By Appointment Only Sun: Closed

Contact: You can contact them for inquiries or to schedule a tour.

Trinity Homes

Description: Trinity Homes is the largest independent provider of modular and manufactured housing in Abilene, Midland, Brownwood, and the surrounding Big Country area. They offer a wide range of mobile and manufactured homes from various builders.

Homes: Trinity Homes provides single-wide, double-section, CrossMod, modular, and manufactured homes. They offer customization options and land home packages.

Locations: They serve areas including Abilene, Midland, Eastland, and more. Contact: You can contact them for information or to schedule a tour.

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

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

Reasoning: Abilene experiences strong winds. This endorsement provides coverage for reinforcing or upgrading the anchoring system of your mobile home to withstand windstorms.

Reasoning: Tornadoes are a concern. This coverage offers protection for the installation of an RV tornado shelter or safe room for your RV.

Reasoning: Hailstorms can cause roof damage. This endorsement provides coverage for upgrading your mobile home’s roof to a hail-resistant material.

Reasoning: Some mobile home communities have security patrols. This endorsement offers discounts or coverage enhancements for homes in communities with security patrols.

Reasoning: Flooding can be a concern in some areas. This coverage provides protection for the installation of flood avoidance systems on your RV.

Reasoning: Many RV parks have security cameras. This endorsement offers discounts for parking your RV in parks equipped with security cameras.

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