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Protecting Your Manufactured Home in Austin, TX

Covertree’s Comprehensive Guide!

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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 Austin, TX: Costs, Coverage, and Considerations

Welcome to Austin, Texas - A true melting pot of diversity, music, and that authentic southern charm! Nestled in the heart of the Lone Star State, Austin stands as a radiant emblem of Texas's rich history, forward-thinking innovation, and the warm embrace of Southern hospitality. It's a city where the rhythm of life is set by the strumming of guitars, the aroma of breakfast tacos in the morning, and the echoing laughter of its vibrant community. As the capital of Texas, Austin gleams with both its metropolitan allure and the rustic beauty of the Texas Hill Country.

It’s not just the sprawling landscapes or the shimmering Colorado River that runs through its veins, but it's the spirit of Austin that truly captivates. Once known as Waterloo, the city soon rebranded itself, paying homage to Stephen F. Austin, the "father of Texas." Today, it flourishes as a cultural mosaic with a medley of influences, from the twang of country guitars to the fiery flavors of Tex-Mex cuisine.

Boasting a title as the "Live Music Capital of the World," Austin reverberates with melodies from over 200 live music venues, beckoning enthusiasts from every corner of the globe. Annual events like South By Southwest and Austin City Limits act not just as music festivals, but as communal celebrations of creativity, film, and technological innovation.

However, Austin is not just a haven for music lovers. With its youthful median age of 31, it pulsates with energy, from the fitness zealots running along Lady Bird Lake to the socially-conscious volunteers dedicating their time to a myriad of causes. Artistry thrives here, too, evident in the quirky Cathedral of Junk, the vibrant street murals, and the cinematic gems showcased in local theaters.

Perhaps, one of the most enchanting sights is the nightly dance of over a million Mexican free-tailed bats under the Congress Avenue Bridge. It's nature's spectacle, further emphasizing Austin's commitment to preserving its lush landscapes and vibrant ecosystems. And if you're up for a sun-soaked day, the clothing-optional Hippie Hollow awaits, a testament to Austin's celebration of individualism and freedom.

Politically, Austin often stands as a blue dot in the traditionally red state, reflecting its open-mindedness and progressive nature. This is a city where unique personas like Leslie Cochran become icons, and unconventional political candidates rise to the limelight, truly capturing the city’s mantra to "Keep Austin Weird."

Education and entrepreneurship flourish side by side in Austin. The prestigious University of Texas at Austin stands as a beacon of knowledge and innovation, while the business landscape thrives with giants like Oracle, Facebook, Amazon, and Tesla marking their presence.

So, whether you’re drawn by its pulsating rhythms, its culinary delights, its academic prowess, or its thriving business scene, Austin welcomes you with open arms. Dive into its myriad experiences, and let the city's unique blend of Texan tradition and modern charm envelop you. Welcome to Austin; it's not just a city, it's an 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 Austin, TX.

Weather Risks:

Austin, located in the heart of Texas, has been no stranger to the ever-increasing impacts of climate change. While the city is a hub for culture, tech innovation, and music, it also faces significant weather-related threats. These threats not only pose risks to life and property but also emphasize the importance of being well-prepared from an insurance perspective. Let's delve into the three main weather risks that Austin faces:

Flooding and Extreme Precipitation:

Austin is renowned as a flash flood hotspot, with its terrain making it one of the most susceptible regions in the U.S. for rapid and destructive floods. The Memorial Day weekend flooding in 2015 serves as a poignant reminder of the city's vulnerability. With approximately 37% of buildings in Austin having a significant risk of floods, it's critical for property owners to have flood insurance. Comprehensive flood insurance can mitigate potential financial losses from property damage, ensure swift repairs, and provide peace of mind during the region's stormy seasons.

Extreme Temperatures and Heatwaves:

With the mercury consistently crossing the 100ºF mark, Austin is grappling with increased heat risks. The city, which historically experienced about 7 days above 100.7ºF annually (1985-2005), is projected to face a staggering 42 such days by 2050. High temperatures not only elevate health risks but can also lead to property damage. Extended heat can strain home systems and structures, leading to faster wear and tear. Having an insurance policy that covers heat-induced damage can save homeowners from unexpected repair costs.


Austin's proximity to the wildland-urban interface makes it particularly vulnerable to fires, especially with increasing days of extreme heat. Over 60% of structures in Austin are within 1.5 miles of this interface. As the number of days with high fire risk conditions increases, properties are at a greater threat of being engulfed by wildfires. Adequate fire insurance is paramount. It not only covers the cost of property damage but can also encompass evacuation expenses and other related losses.

Neighborhoods to consider in Austin, TX.

Income Growth By Neighborhood (last 5 years) :

School Neighborhoods to consider :




Property Crime Rates in Austin, TX.

Austin's property crime rate, notably the high rate of motor vehicle theft, underscores the importance of residents being vigilant about their personal property. As the city continues to grow and evolve, understanding these rates can be crucial for community safety initiatives and for residents to make informed decisions about protective measures.

Overall Crime Rate

Austin's crime rate is 41 per one thousand residents, placing it as one of the cities with a high crime rate in the U.S. Residents have a one in 24 chance of becoming a victim of either violent or property crime.

Comparison with Similar-sized Communities

When benchmarked against communities of a similar size, Austin's crime rate is around the average, neither much more dangerous nor significantly safer.

Majority Property Crime

A significant portion of the crime reported in Austin is property crime. Residents have a one in 28 chance of being a victim of property crime, which translates to a rate of 36 per one thousand population.

Motor Vehicle Theft

Distinctly, Austin has one of the highest rates of motor vehicle theft in the nation. Living in Austin means there's a one in 210 chance of having your car stolen.

Choice of 6 insurance coverage in Austin, TX.

Inflation Guard Endorsements

What it is: Adjusts policy limits to account for inflation, ensuring that coverage keeps pace with rising repair or replacement costs.

Why it's needed: Protects the real value of insurance over time, ensuring that homeowners are adequately covered despite inflation.

Personal Injury Coverage:

What it is: Offers protection against legal liabilities for non-bodily injuries like libel, slander, or invasion of privacy.

Why it's needed: In our digital age, the risk of non-physical personal injuries has grown, making this a relevant addition to many policies.

Vandalism and Malicious Mischief Coverage:

What it is: Protects against damages or losses resulting from deliberate acts of destruction or harm.

Why it's needed: Provides peace of mind in areas where vandalism might be a concern, ensuring that damages are covered.

Collapse Coverage:

What it is: Covers damage to a mobile home if it unexpectedly collapses due to specific causes other than age or wear and tear.

Why it's needed: While uncommon, collapses can be devastating. This coverage ensures homeowners can rebuild or repair in such an event.

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.

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.