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

Welcome to Conroe, Texas -a blend of small-town charm and big-city amenities! When it comes to capturing the true essence of Texas – a place that harmoniously merges small-town charm with metropolitan flair – few cities come close to Conroe. Founded in 1881 by a visionary named Isaac Conroe who started a sawmill, the city has witnessed a meteoric rise in its development, transitioning from a simple sawmill to being acclaimed as one of the best places to reside in Texas. Here's what makes Conroe truly special:

Affordability: Another feature that sets Conroe apart is its affordability. With costs significantly below the national average in multiple domains, it's a place where the value of money is genuinely realized.

Educational Excellence: The city takes pride in its educational framework, especially the Conroe Independent School District (CISD), which is among the fastest-growing school districts in the U.S. Moreover, CISD ensures top-notch safety measures for its students with a dedicated police department.

Outdoor Wonders: For those who yearn for the tranquility of nature, Conroe is a treasure trove of natural beauty. With attractions like Lake Conroe, Sam Houston National Forest, and WG Jones State Forest, it offers a myriad of outdoor recreational activities, from boating and hiking to educational visits.

In essence, Conroe presents an exceptional blend of the past, present, and future. It cherishes its history, enjoys its present, and looks forward to an even brighter future. Whether you are considering moving here or just passing through, Conroe welcomes you with open arms, ready to share its stories, dreams, and the unmatched Texan hospitality. Welcome to Conroe – where Texas's heart truly lies!

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 Conroe, TX.

Weather Risks:

Owning a mobile home in Conroe, Texas comes with a unique set of challenges, especially when considering the local weather conditions. Here are three distinct sections on the most significant weather risks faced by mobile home owners in Conroe and the insurance considerations to protect against them:

Extreme Heat & Heatwaves:


Conroe regularly experiences extremely high temperatures, with heat index values going up to 112 degrees. The combination of high temperatures and humidity can pose significant risks.


Such conditions can lead to heat-related illnesses, and in the case of mobile homes which often lack robust insulation, the internal temperatures can become unbearable.

Insurance Considerations:

Mobile home owners should consider comprehensive insurance that covers any heat-related damages, especially to appliances and infrastructure. It's also wise to ensure that the coverage includes any medical emergencies stemming from the heat.

Fire Risks Due to Dry Conditions:


With warnings like the Red Flag Warning in effect, there's an evident risk of fires in the region. The combination of strong winds, low relative humidity, and warm temperatures can lead to explosive fire growth.


Fires can rapidly engulf mobile homes, which may not have the same fire resistance as traditional brick-and-mortar homes. The surrounding environment can also quickly catch fire, making mobile home parks particularly vulnerable.

Insurance Considerations:

Mobile home owners should prioritize fire insurance, ensuring it covers not just the home itself but also the contents. Provisions for temporary accommodations in case of fire-related displacement are also essential.

Severe Storms & Tornadoes:


Conroe has experienced destructive storms with high winds, and the tornado index indicates that it has a higher-than-average risk for tornado events compared to both the state and national averages.


Mobile homes are particularly susceptible to damage from high winds, hail, and tornadoes. Events like the tragic incident in the Ladera Creek subdivision underscore the vulnerabilities.

Insurance Considerations:

Comprehensive storm and tornado insurance are crucial. This coverage should encompass damage from wind, hail, and other storm-related events. Given the higher tornado index, specific tornado insurance might be a worthy investment.

While Conroe offers many benefits, it's imperative for mobile home owners to be prepared and insured against these weather risks to ensure their safety and the longevity of their investment.

Recommended Neighborhoods in Conroe, TX.

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

Best Conroe Schools by Neighborhood:

Property Crime Rates in Conroe, TX.

Conroe, Texas, offers a vibrant blend of small-town charm and city amenities. However, like all urban areas, it's essential to be informed about the local crime rate to make informed decisions about residency, business, and leisure activities. Let's take a closer look at the property crime statistics for Conroe:

Overall Crime Rate:

The crime rate in Conroe stands notably above the national average. With 26 crimes per one thousand residents, Conroe's crime rate is not among the very highest in the nation but is higher than 87% of the state's cities and towns of all sizes.

Comparison with Similar-sized Cities:

When compared to communities of a similar population size, Conroe's combined violent and property crime rate is significantly higher than average.

Violent Crime Rate:

Conroe has a violent crime rate higher than most communities in America, irrespective of population size. The chance of becoming a victim of a violent crime, such as armed robbery, aggravated assault, rape, or murder, is 1 in 397. This is equivalent to a rate of 3 violent crimes per one thousand inhabitants.

Property Crime Rate:

Conroe's rate for property crimes is 24 per one thousand residents. This rate is higher than many other communities in the U.S., making it a location where there's an above-average likelihood of becoming a victim of a property crime. Types of property crimes in the city include motor vehicle theft, arson, larceny, and burglary. Residents have a 1 in 42 chance of becoming a victim of any of these mentioned property crimes in Conroe.

Conroe's rich history, proximity to Houston, and natural beauty continue to attract residents and visitors alike. While the city has many advantages, it's essential to be aware of and address safety concerns to ensure a thriving community for all its members.

Choice of 6 insurance coverage in Conroe, TX.

Mold Remediation Coverage:

What it is: Covers costs related to mold removal and repair.

Why it's needed: Mold can lead to health problems and structural damage. Mobile homes, especially in humid areas, may be vulnerable.

Matching Siding/Roof:

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

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

Mudflow Protection:

What it is: Protection against damage caused by mudflow.

Why it's needed: In areas prone to heavy rains or near mountains, mudflows can pose a significant risk.

Windstorm and Hail Coverage:

What it is: Protects against damages from windstorms and hail.

Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.

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.

Weather/Natural Risks:

What it is: Protection against damages from weather events like tornadoes, hurricanes, hail, and more.

Why it's needed: Mobile homes can be especially vulnerable to severe weather events. This coverage offers peace of mind in volatile climates.

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 Conroe, TX

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

Evergreen (by Shea Homes®)

Location: Northwest corner of FM 242 and FM 1314, Conroe.
Description: A 740-acre community offering tranquility, discovery, and top-notch construction quality. Shea Homes is renowned for master-planned communities.
Notable Features: Amenities framed by nature, range of floor plans.