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Protecting Your Manufactured Home in Arlington, TX.

Covertree’s Comprehensive Guide!

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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 Arlington, TX: Costs, Coverage, and Considerations

Welcome to Arlington, Texas -a testament to the enduring spirit of the American Dream. When you step onto its sprawling landscapes that span almost 100 square miles, and immerse yourself amongst its 400,000 vibrant souls, you're not just stepping into a city. You're stepping into a legacy.

A city with such an illustrious past, Arlington’s journey from its origin as a muddy fort on an oxbow lake near the Trinity River to its contemporary stature is nothing short of a captivating tale. Its history resonates with stories of valiant Texas Rangers, spirited Comanches, magnificent herds of bison, a relentless westward expansion, and an urban metamorphosis fueled by gas drilling. The streets of downtown have echoed with the cacophony of six-shooter battles, and its plazas have danced to the rhythms of cotton gins and saloons. Yet, each chapter of its history, be it the era of high-stakes gambling, the tussles of prohibition, or its embrace of super-charged tourism, only strengthens the city’s ethos: a relentless, gritty pursuit of progress.

For many decades, Arlington's charm lay in its quintessential Main Street ambiance. In the mid-20th century, it was a picturesque town adorned with drug stores, movie houses, pool halls, and a community brought together by local Rotarians and haberdashers. The town had its fair share of notoriety too, known for its mineral waters, high-stake gambling dens, and gangsters. However, contrasting this reputation were the compassionate endeavors like the Berachah Home for unwed mothers and its commitment to academia, evident in its long-standing identity as a college town.

Over time, Arlington transformed. It evolved from a town known for mineral waters and mavericks to the poster child of American suburban evolution, capturing the nation's shift towards suburban living. Today, Arlington has a global reputation. Millions worldwide recognize it as the proud host of the 2011 Super Bowl and the home ground for the Texas Rangers in their legendary World Series games. It isn't just about sports; Arlington has become synonymous with roller coasters, significant league events, and vibrant entrepreneurship. Yet, it never forgets its roots, with one foot firmly placed in its rich history.

The geology of Arlington is as diverse as its history, divided by the hilly Eastern Cross Timbers, harking back to a time 65 million years ago when it would have been an oceanic beach. As the city continues to expand, both in terms of area and spirit, its leaders remain committed to its growth. Visionaries like Richard Greene ensured that General Motors and the Texas Rangers stayed in Arlington, while Bob Cluck played an instrumental role in bringing the Dallas Cowboys to the city. Arlington today boasts world-class facilities like the Globe Life Field and the National Medal of Honor Museum, reflecting its ever-evolving identity.

As the "Best Big City" in the South, as dubbed by Money magazine, and the No. 1 City for Economic Development in North Texas, according to the Dallas Business Journal, Arlington proudly houses globally recognized entities such as the Dallas Cowboys, Texas Rangers, General Motors, and the Six Flags Over Texas. Its commitment to education, from pre-K to Ph.D. programs, stands unwavering, with institutions like Tarrant County College and the University of Texas at Arlington fostering dreams.

In Arlington, dreams aren't just dreams; they are transformed into reality. This city embodies the true American spirit of determination, resilience, and innovation. It's a city that, irrespective of its immense growth and global recognition, remains deeply connected to its roots. So, welcome to Arlington, where dreams meet determination, where history meets innovation, and where every visitor gets a taste of the great American odyssey. Welcome to our can-do community!

Understanding Mobile home Insurance in Texas.

Do I Need Mobile Home Insurance in Texas?

  • Optional, but often required by lenders and mobile home communities.
  • Lenders can't mandate coverage that surpasses home and content replacement value.
  • Strongly recommended for financial protection against damages.

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:

  • Geographic area (land value, crime rate, and environmental threats).
  • Home's value, size, and location.
  • Home's age.
  • Chosen liability coverage.
  • Desired personal property coverage amount.
  • Selected deductible.
  • Actual Cash Value: Compensates the current value of the home, accounting for depreciation. *
  • Replacement Cost: Covers the cost of a new, similar home regardless of the original home's age or previous value. **

* 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!

  • Wind and hail coverage may be excluded for homes near the coast.
  • Purchase flood insurance via the National Flood Insurance Program if difficult to find in the private market.
  • For wind and hail coverage, consider Texas Windstorm Insurance Association (TWIA).

Mobile Home Insurance Coverage in Texas:

  • Dwelling coverage: Protection for permanent structures attached to the home.
  • Personal property: Covers belongings if damaged or stolen.
  • Liability protection: Provides financial protection in case a guest is injured on your property.
  • Other structures: Coverage for free-standing structures on your property, e.g., sheds or fences.
  • Additional living expenses: Covers costs if home becomes uninhabitable due to a covered loss.

Filing a Mobile Home Insurance Claim in Texas:

  • Insurance companies must acknowledge the claim within 15 days.
  • Companies have 15 business days to accept or deny a claim, with potential for extensions in the event of major disasters.
  • Possible 45-day decision timeframe if reasons are provided for delay.
  • Failure to adhere to deadlines could result in the company being sued for the claim amount, interest, and legal fees.

Tips for Purchasing Mobile Home Insurance in Texas:

  • Mobile home insurance is often pricier than standard homeowners insurance.
  • Best way to get affordable rates is to compare quotes from various companies.
  • Online quotes might not be available; be prepared to call companies.
  • Customizable policy options available to cater to individual needs.

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

  • For Texas residents who own a mobile home, the HO-7 insurance form is crucial.
  • This insurance covers both your dwelling and personal property.
  • The HO-7 offers comparable coverage to the HO-3 policy.
  • One thing to remember: if you plan on moving your mobile home, the HO-7 doesn't always cover it while in transit. You may need to consider supplemental insurance in such cases.

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:

  • Floods
  • Hurricanes
  • Mold (Limited Coverage Might be Possible to Add)
  • Earthquakes (Separate Policy Might be Available)
  • Vandalism to Vacant Dwellings
  • Wear and Tear
  • Damage From Pets
  • Intentional Acts
  • Neglect
  • Government Actions

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:

  • Earthquakes
  • Floods
  • Damage from insects & vermin
  • Wear, neglect, or intentional damage
  • Wind/hail damage to trees
  • Vacancies, continuous water leaks
  • Sewer backups, acts of war
  • Certain mold cases

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 Arlington, TX.

Weather Risks:

Arlington faces many weather risks that you should be prepared for. In addition to a flooding risk, Arlington has moderate risk from wildfires, major risk from severe winds, and severe risk from heat, along with risks associated with tornadoes and storms!

Tornadoes

Risks for Mobile Home Owners:

Direct hit causing total loss of the mobile home.
Flying debris damaging the exterior or breaking windows.
Uprooting of the mobile home if it's not anchored properly.
Associated heavy rains leading to flooding, especially if the home is in a low-lying area.

Insurance Implications:

Property Damage: Most standard mobile home insurance policies will cover damage caused by tornadoes, but it's crucial to ensure you have enough coverage to replace your home and belongings.
Liability Protection: If your mobile home becomes unanchored and damages someone else's property or injures someone, liability protection can cover these costs.
Temporary Living Expenses: If your mobile home is rendered uninhabitable, this coverage can pay for temporary accommodations.
Deductibles: Some insurance policies may have a separate, higher deductible for windstorm or tornado-related claims.

Severe Thunderstorms and Hail:

Risks for Mobile Home Owners:

Hail can dent the exterior of a mobile home, break windows, or damage the roof.
Thunderstorms can lead to localized flooding or water damage.
Lightning strikes can cause fires or damage electronic devices inside the mobile home.

Insurance Implications:

Property Damage: Ensure your policy covers hail, wind, and lightning damage. Some policies might require a separate hail or windstorm endorsement.
Personal Property: Coverage can help replace personal belongings damaged by storms.
Liability Protection: In rare cases where your property causes harm to others due to storm-related events.
Deductibles: Like tornadoes, some policies may have separate deductibles for hail or windstorm damage.

Extreme Temperatures (Heatwaves & Cold Snaps):

Risks for Mobile Home Owners:

Prolonged exposure to heat can warp or damage materials used in the construction of the mobile home.
Extreme cold can cause frozen or burst pipes.
Overreliance on heating or cooling equipment can lead to increased fire risk.

Insurance Implications:

Property Damage: While direct damage from temperature extremes might not be covered, the resulting damage (like a burst pipe) often is.
Increased Energy Costs: Not a direct insurance implication, but owners should be prepared for higher utility bills during these periods.
Equipment Breakdown Coverage: This is an optional coverage that can help if heating or cooling equipment breaks down.

Recommended Neighborhoods in Arlington, TX.

Greatest Arlington Income Growth By Neighborhood (last 5 years):

  • NE Green Oaks Blvd / W Shadow Dr
  • North Arlington / Brighton Village
  • Viridian
  • Parkway Central Park
  • Wimbledon / Estates Above Wimbledon
  • Millbrook
  • Wood Ridge / Royal Dominion
  • South Davis West
  • South Davis
  • E Division St / Exchange Dr

Best Arlington School Neighborhoods:

  • Harris Crossing
  • Wooded Acres / Hilldale-Mintwood
  • Tate Springs
  • Southridge Hills / Watsonville
  • Viridian
  • Oilfield
  • Willow Bend-Thousand Oaks
  • La Frontera / La Frontera South
  • Fossil Lake
  • Lake Port Village

Property Crime Rates in Arlington, TX.

Arlington, Texas, located in the heart of the state, has garnered significant attention due to its crime statistics. When analyzed closely, the data offers a mixed picture. Here's a closer look at the details:

Overall Crime Rate:

With 32 incidents per one thousand residents, Arlington's crime rate stands out as one of the highest in the nation, irrespective of community size. This statistic encompasses everything from the tiniest hamlets to sprawling metropolises. In fact, a resident's chance of falling victim to any form of crime, be it violent or property-related, is 1 in 31.

Statewide Comparison:

Astonishingly, when juxtaposed with other Texan communities, over 93% fare better in terms of crime rate.

Comparison with Similar-sized Cities:

However, a silver lining emerges when Arlington is compared to cities of a similar demographic makeup. Its crime rate is palpably lower than the average, making it safer than a majority of cities of equivalent size in the U.S., as per NeighborhoodScout's comprehensive analysis of FBI crime data.

The differentiation between violent and property crimes can provide deeper insights into the overarching crime landscape in Arlington.

Violent Crime:

Alarmingly, Arlington's violent crime rate is among the highest nationwide, spanning communities of every size. This category encompasses grave offenses like rape, murder, armed robbery, and aggravated assault. The data suggests that an individual's likelihood of experiencing such a crime in Arlington is 1 in 172.

Property Crime:

Shifting the focus to property-related offenses, it becomes evident that a substantial chunk of Arlington's crime pertains to this category. This analysis covers crimes like burglary, larceny amounting to over fifty dollars, motor vehicle theft, and arson. A resident of Arlington faces a 1 in 38 chance of being a victim of property crime, translating to a rate of 26 incidents per one thousand people.

A striking revelation emerges when delving into specifics:

Motor Vehicle Theft:

Arlington's rate of motor vehicle theft is alarmingly high, making it one of the top-ranking cities in this negative aspect, according to an analysis of FBI data. Regardless of community size, the city's statistics are concerning. If you reside in Arlington, the odds of your vehicle being stolen stand at a startling 1 in 293.

In conclusion, while Arlington offers numerous attractions and benefits to its residents, it's vital for individuals to be cognizant of its crime statistics and take necessary precautions, especially regarding property crimes and vehicle safety.

Choice of 6 insurance coverage in Arlington, TX.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

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.

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:

  • Once a "real property election" for a manufactured home is completed, the home is deemed as real property.
  • This status remains unless the home is moved, the election changes, or the property's use alters.
  • Once a statement of ownership and location is given by the department, it's final. Changes can only be made if all parties agree, or specific procedures are followed.
  • If taking responsibility for a Statement of Ownership, ensure all housing department steps are followed, including necessary notifications.

According to the Texas Underwriting Manual TX: 12.24:

  • 12.24.3: Any manufactured housing unit on the property isn't included in the land described in this commitment or policy.
  • 12.24.4: Upon a lender's request and payment as specified in R-11(e), the T-31 and/or T-31.1 Endorsements can be issued; T-31.1 can be given to both the owner and the lender.

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:

  • A site-built addition attached to a mobile home will rate as part of the mobile home.
  • A building certification from the Texas Department of Insurance is required for the site-built addition.
  • Separate structures (not physically attached to the mobile home) are not eligible for insurance under the T.W.I.A. Dwelling Policy with Form No. TWIA411, Conversion to TWIA Manufactured Home Policy attached to the policy. Refer to eligibility requirements for insurance under the Association’s Dwelling Policy.

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:

  • 1. The following deductibles are mandatory under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy. a. Homes located inland of the Intracoastal Canal: 1% of limit of liability with a $250 minimum (TWIA Form No. 570) b. Homes located seaward of the Intracoastal Canal: 2% of the limit of liability with a $250 minimum (TWIA Form No. 575)
  • 2. Deductibles apply separately to the home and household goods items on the policy.

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

Know Your Rights!

Even though it's not a legal requirement in Texas, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Texas:

Important Endorsements in Texas:

Endorsement (T-31.1)

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.

Sinkhole Endorsement:

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 Arlington, TX

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

Oak Wood Properties

About: Committed to providing affordable and desirable communities suitable for all ages and family sizes. Properties: South Arlington Estates, Arlington Lakeside, and The Oaks at Arlington.
USP: Comprehensive housing solutions with a diverse range of properties – from manufactured housing communities to storage units and vacation rentals, catering to all ages and family sizes.
Amenities: Swimming pool, playground, storage sheds, basketball courts, dog park, and more.

South Arlington Estates

Location: Arlington, TX. Close to restaurants, grocery stores, and shopping centers.
Amenities: Playground, basketball court, soccer field, and an outdoor swimming pool.
USP: A strategic location in Arlington with a blend of recreational amenities like a soccer field, making it unique among manufactured housing communities.

Arlington Lakeside

Location: 3211 West Division Street, Arlington, TX 76012.
Amenities: Outdoor swimming pool, playground, basketball court, clubhouse, RV and/or Boat storage, and more.
USP: Its tranquil setting combined with a comprehensive set of amenities and proximity to essential services like grocery stores and gas stations.

The Oaks at Arlington

Location: 2501 W. Sublett Road, Arlington, TX 76017.
Features: A NEW 2020 3-bedroom, 2-bath home is available for sale at $105,000. The home boasts an open space kitchen, black appliances, central A/C & Heating, and more.
USP: Located near major highways like I-20, I-30, and Loop 820, this community offers both convenience and a range of family-friendly amenities.

Top Notch Homes

Location: Rhome, Texas.
Specialty: Offers competitive pricing on high-quality mobile homes. They provide transparent pricing, upgrade costs, and delivery estimates through their online catalog.
USP: Transparency and Honesty - By providing immediate access to home prices, upgrade costs, and delivery estimates on their online platform, they instill trust and respect in potential buyers. Their approach to treating every client with respect is also a major distinguishing factor.
Client Approach: Prioritizes dignity, honesty, and respect.

Tilson Custom Home Builders

History: Building homes on personal land plots in Texas since 1932. Building Areas: Austin, San Antonio, Houston, Waco, Dallas, Fort Worth, and more rural areas in Texas.
Process: From choosing your land to constructing the foundation, framing, and interior, Tilson guides customers through every step. They also offer multiple levels of warranty, including up to ten years for major structural components.
USP: Long-standing Tradition and Comprehensive Service - With 90 years of experience, Tilson offers a tried-and-true process, from land selection to home design. They also provide multi-level warranties, ensuring long-term peace of mind for homebuyers.

Considering a manufactured home in Arlington, TX gives residents a range of choices in community features and home retailers. Whether you're looking for a community with abundant amenities or a reliable retailer to help design your dream space, Arlington has options that cater to diverse needs and preferences. From Oak Wood Properties' extensive range of housing solutions to Tilson Custom Home Builders' nine-decade legacy in home construction, potential homeowners in Arlington, TX, have several compelling options to consider.

Finding the Best Mobile Home Insurance in Arlington , TX

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

    • Enhanced Windstorm Protection: Arlington is within Tornado Alley, so having enhanced protection against wind-related damages is essential.

    • Debris Removal: After a tornado, the removal of debris can be a significant cost. Ensure your policy covers these expenses.

    • With the frequent hail storms in Texas, make sure your mobile home is protected against hail damages, which can be particularly severe on the thinner exteriors of some mobile homes.

    • Arlington can experience heavy rains, and if your mobile home is in a flood-prone area, standard mobile home insurance may not cover flood damage. Purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer is a wise choice.

  • If you have sheds, carports, or other structures on your mobile home property, you’ll want to ensure they’re covered too, especially considering the local weather risks.

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  • Given the extremes of Texas weather, mobile homeowners in Arlington might heavily rely on air conditioning in summer and heating in winter. This optional coverage can help if these critical equipment pieces break down.

    • While Arlington typically has a warm climate, occasional cold snaps can happen, leading to frozen or burst pipes in mobile homes that might not have the same level of insulation as traditional homes.

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

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