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Protecting Your Manufactured Home in Denton, TX.

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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 Denton, TX: Costs, Coverage, and Considerations

Welcome to Denton, Texas - a community that is uniquely its own, with a vibe like no other! Denton stands as a beacon of creativity, diversity, and authenticity. Here, you'll find an embracing community that celebrates its residents, traditions, and the rich tapestry of cultures woven into its fabric. It's a place where individuality is not just accepted but celebrated, where you can be yourself, unapologetically.

Though it exudes that charming, small-town feel, they’re just a stone's throw away from the bustling heartbeat of the big city, making Denton the perfect fusion of both worlds. As they always say: bring your friends along and let them discover the magic of Denton too.

Historically, Denton has proudly worn the badge of a university town, shaped and energized by the presence of two esteemed state universities: the University of North Texas and Texas Woman's University. These institutions, with a staggering combined enrollment of over 50,000 students, infuse Denton with a youthful energy and bring along a plethora of cultural, sports, and entertainment avenues for everyone to enjoy. Adding to this academic vigor is the presence of North Central Texas College campuses in Downtown Denton and its southern regions, boasting the title of Texas's oldest continuously operating two-year college.

But Denton's commitment to education doesn't stop there. The Denton Independent School District, serving a remarkable expanse that spans 18 cities in a 186-square-mile district, is dedicated to nurturing over 32,000 students, ensuring they are equipped and empowered for the future.

For those who yearn for the great outdoors, Denton doesn't disappoint. The city proudly showcases 41 pristine parks, an expansive 5,000 acres of open space to explore, and a winding trail system that stretches over 73 miles, beckoning walkers, joggers, and cyclists alike. Complementing these are three recreation centers, two senior centers, a thrilling water park, and community swimming pools for that refreshing dip on a warm day. And for those who wish to venture a little further, nearby lakes, hiking trails, and state parks promise adventures that resonate with nature's beauty.

In Denton, every corner has a story, every street echoes with melodies of the past and promises of the future. It's not just a place to live; it's a place to belong. So, come experience Denton—a city vibrant and growing, ever-evolving, but always true to its roots. Welcome home!

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 Denton, TX.

Weather Risks:

For mobile home owners in Denton, Texas, understanding the range of severe weather events and their associated risks is critical. As the safety and integrity of mobile homes can be particularly vulnerable to the wrath of Mother Nature, taking the right precautions and ensuring appropriate insurance coverage can provide peace of mind.

Extreme Heat & Wildfires:

Description:

Temperatures soar above 90 degrees for two to three days, combined with high humidity. This spikes the chances of fires in wild areas that can spread rapidly, especially if there is a drought. Denton County frequently experiences sizzling summer heat, with temperatures reaching over 100 degrees. The combination of heat and humidity significantly raises the risk of heat-related illnesses. Additionally, the current conditions have elevated fire dangers, with two recent grass fires reported.

Risks:

Prolonged exposure can result in heat-related illnesses such as heatstroke, heat exhaustion, and heat cramps. Wildfires can result in property loss, injury, and poor air quality.

Prevention:

Stay indoors during peak heat hours, use air conditioning, drink plenty of water, and recognize the symptoms of heat-related illnesses. Sunburn and heat rashes should also be prevented or treated promptly. Clear flammable materials around your mobile home, heed fire warnings, and prepare an evacuation plan.

Floods, Lightning and Severe Thunderstorms:

Description:

Lightning is present in every thunderstorm, and it can be deadly. Severe thunderstorms can lead to water overflow onto typically dry lands, lasting days or weeks.

Risks:

Drowning, contamination from floodwaters, and damage to property. Lightning can be just as deadly causing fire, electrocution, and damage to structures.

Prevention:

Never drive in flooded areas, always heed flood warnings, and secure mobile homes to prevent water damage. Stay indoors during storms, avoid electrical appliances, and ensure mobile homes are grounded.

Tornadoes:

Description:

Violently rotating air columns touching the ground from thunderstorms.

Risks:

Devastation to structures, particularly mobile homes, injury, or death.

Prevention:

Have a designated storm shelter or a nearby community facility. Always heed tornado warnings and secure mobile homes with tie-downs.

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 Denton, TX.

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

  • Ponder
  • Robinson Oaks
  • Briercliff Park
  • SEDNA
  • Stuart Rd / State Loop 288
  • Edwards Rd / Swisher Rd
  • McKamy Evers
  • University of North Texas
  • Downtown Denton
  • Blagg Rd / Lakeview Blvd

Best Denton School Neighborhoods:

  • Country Lakes Park
  • Ponder
  • Lake Forest Park
  • Downtown Denton
  • Montecito Dr / Seven Oaks Ln
  • Denia West
  • South Lakes Park
  • Northwood
  • Robinson Oaks
  • SEDNA

Property Crime Rates in Denton, 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:

Comparative Rate:

Denton's rate for property crime stands at 22 per one thousand population. This is notably higher than many other communities in the United States across different population sizes.

Relative Positioning:

When compared to other communities of its size in the US, Denton's property crime rate is near average. This suggests that its property crime frequency aligns with what might be typically seen in communities of comparable size.

Types of Property Crimes:

The main types of property crimes in Denton include motor vehicle theft, arson, larceny, and burglary. Victim Probability: Residents of Denton face an above-average risk of falling victim to a property crime. Specifically, the chances of becoming a victim are 1 in 46.

Statewide Comparison:

When contrasted against other cities and towns in Texas, Denton's crime rate is higher than 84% of them, underscoring a significant concern for residents and local authorities.

While Denton boasts various positive attributes, its property crime rate demands attention. Residents and potential visitors should remain vigilant and take necessary precautions while local authorities work towards improving the safety conditions.

Choice of 6 insurance coverage in Denton, TX.

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.

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.

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.

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.

Foundation and Water Damage Coverage:

What it is: Specifically covers repairs linked to foundation or water damage.

Why it's needed: Foundation repairs are costly, and water damage can lead to further complications like mold. This add-on provides targeted protection.

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.

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 Denton, TX

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

Fun Town RV Denton, TX

Type: RV Dealer
Address: 7201 N Interstate 35, Denton, TX 76207
Services:
Offers travel trailers, fifth wheels, toy haulers, destinations trailers, and pop-ups. RV parts and accessories. Service department for repairs. Noteworthy: Number 1 selling towable RV dealer in the nation for multiple years.
Online Endeavors: Developing RVASAP, the "Amazon of RVs" and introducing an online parts store.

RV Specialists - Mobile RV Repair Services

Type: Mobile RV Repair Location: Denton, Texas
Services: Provides RV repairs including plumbing, air conditioning, refrigeration, awnings, slide-outs, and furnaces. Premier mobile service.
Noteworthy: Focus on integrity, old-fashioned work ethic, and customer satisfaction.

Country View MHP

Address: 2800 Fort Worth Drive, Denton, TX 76205
Features:
Pet-friendly
Playground
Bus access
On-site office
Storage shed rental
Yards
Proximity: Less than 10-minute drive to University of North Texas, Denton Square, shopping, and restaurants.

The Shores

Address: 5200 Lake Shore Lane, Denton, TX 76208
Features: Waterfront retirement community (55 and older) Community mailboxes, asphalt streets with concrete curbing. Pet-friendly, background checks for new tenants.
Noteworthy: No RV lots, no rental homes.

Ashli Oaks

Address: 5301 E. McKinney, Denton, TX 76208
Features: Swimming pool, playground, clubhouse, basketball courts. RV and boat storage, keyed mailboxes. Strong school district.
Available Home: 5301 E. McKinney Street, #529, 3 BD | 2 BTH | 1152 SQ FT | Rent from: $1399/Month

Cerrito MHC

Address: 4181 Silver Dome Road, Denton, Texas 76208, United States
Features: Upscale manufactured homes with 3 or 4 bedrooms. Amenities include swimming pools, fitness center, playground, picnic area, and clubhouse. Complimentary Wi-fi in clubhouse and pool area.
Services: Offers financing and Spanish-speaking representatives.

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

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

This coverage protects against direct physical loss or damage to the mobile home, including perils like fire, windstorm, and vandalism.
Covers structures not attached to the mobile home, such as sheds, garages, or patios.
Denton isn’t immune to flooding, especially with its proximity to bodies of water. Thus, a separate flood insurance policy (often provided by the National Flood Insurance Program) can be essential since standard mobile home policies don’t cover flooding.
If the mobile home gets damaged beyond repair, this coverage pays for the replacement of the mobile home with a new one of similar quality and type.
Given the surge in property crimes, it may be wise to consider extended coverage for items like air conditioning units, satellite dishes, and other peripherals that could be targets for theft or vandalism.

  • Description: Covers other structures related to the mobile home, like sheds or garages, and also provides for temporary living expenses if the mobile home becomes uninhabitable.

  • Why it’s Essential: For those who have additional structures or need to relocate temporarily after a significant event, this coverage ensures they aren’t out of pocket for those unexpected expenses.

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

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