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

Welcome to Euless, Texas - a city that harmoniously blends the familiarity of a close-knit community with the comforts and opportunities of urban living. Situated between Dallas and Fort Worth, Euless may be part of the bustling DFW Metroplex, but it retains a character all its own—a character shaped by strong community ties, natural beauty, and a legacy of cultural traditions.

Named after Elisha Adam Euless, a Tennessee native who moved to Texas in the 1860s, the city has grown significantly since its early days as a rural farming community. Euless has gracefully evolved into a diverse and dynamic city that cherishes its history even as it embraces the future. The Heritage Museum is a testament to this blend, capturing the rich narrative of Euless from its pioneering days to its modern transformation.

Although the city is known for its friendly neighborhoods and convenient amenities, it's not just about suburban comforts here. Euless is a city that appreciates the outdoors. Bob Eden Park, one of the city's most beloved recreational areas, offers a sprawling green space for all kinds of activities—be it jogging, playing sports, or picnicking with family. The city also houses the remarkable Harmony Park, a fully accessible park designed to be inclusive for people with disabilities, exemplifying the community's commitment to making leisure activities available for all.

Euless doesn't just stop at natural beauty and outdoor recreation. It is a city with a soul, and this soul is most visible in its cultural offerings. One of the most fascinating traditions is the annual Arbor Daze festival, a celebration of trees and community that has been a Euless staple for decades. The festival includes art, music, and community engagement activities that bring residents together in a joyous and meaningful gathering.

Moreover, the city's culinary scene is as diverse as its population. From down-home Texas barbecue joints to an array of international cuisine, the food in Euless reflects the community's rich tapestry of cultures and tastes. This extends beyond just restaurants to include community farmers' markets that offer locally sourced produce, strengthening the bond between residents and local farmers.

And for those who think they know Euless, the city holds a few surprises. Did you know that the Texas Star Golf Course in Euless has been rated as one of the top courses in the DFW area? Or that the city has an ice rink that serves as a practice facility for the Dallas Stars NHL team? These lesser-known facts add an extra layer to Euless's multifaceted personality.

From its welcoming neighborhoods to its enchanting parks, from its community festivals to its diverse culinary offerings, Euless invites you to experience the myriad facets of its unique charm. Whether you're a nature lover, a history buff, a foodie, or simply someone looking for a sense of community, Euless offers something for everyone. Come and explore this Texas gem, and let the depth and diversity of Euless enrich your own life journey.

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 Euless, TX.

Weather Risks:

Severe Wind Risk

Description: Euless has a major wind risk, with an emphasis on tropical storm winds. The city has experienced 437 recorded wind events, including an F2 tornado in 1963 that caused significant property damage. 41% of homes in Euless are at some risk due to wind.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes are more susceptible to damage from strong winds, including uprooting or overturning. Severe wind events can cause falling trees and flying debris, which are hazards for both the structure and inhabitants.

Precautions: Invest in high-quality tie-downs and anchors to secure mobile homes. Have an emergency plan that includes a more robust shelter to move to in the case of a wind-related warning or event.

Heat Risk

Description: Euless faces a severe risk from increasing "feels like" temperatures. 100% of homes in the city are identified as having a severe heat risk.

Implications for Mobile/Manufactured Home and RV Owners: Lack of proper insulation can make mobile homes and RVs become intolerably hot, posing health risks like heat exhaustion or heatstroke.

Precautions: Ensure air-conditioning units are in good condition. Have an ample supply of water and hydrate frequently.

Beach Hazards/Rip Currents (For those near water bodies)

Description: While Euless itself may not be a coastal area, for those who may take their mobile homes or RVs to beaches, it's essential to be aware of rip currents and other beach hazards.

Implications for Mobile/Manufactured Home and RV Owners: Not directly applicable to home location but relevant for those who might travel to beaches in their RVs.

Precautions: Know the safety tips for dealing with rip currents and beach hazards. Always check local beach advisories before entering the water. By understanding these risks and taking the proper precautions, mobile home and RV owners in Euless can protect their properties and themselves from severe weather conditions.

By understanding these risks and taking the proper precautions, mobile home and RV owners in Euless can protect their properties and themselves from severe weather conditions.

Recommended Neighborhoods in Euless, TX.

Property Crime Rates in Euless, TX.


Overall Crime Rate: 24 per 1,000 residents
Chance of Becoming a Victim: 1 in 42

Comparison with Texas and the U.S.

State Comparison: Higher than 83% of Texas cities and towns.
National Comparison: Higher than the national average but not among the communities with the highest crime rates.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 2; chance of becoming a victim is 1 in 435.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 22; chance of becoming a victim is 1 in 46.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: Euless's crime rate is near the average when compared to similarly sized cities.
Violent Crime: The city has a higher violent crime rate than most American communities.
Property Crime: Property crimes constitute a significant part of the overall crime rate, and the risk is higher than the national average.

Euless, Texas, has a crime rate that is concerning, especially when compared to other cities and towns in the state. Although it falls within the average range for similarly sized communities, its violent and property crime rates are notably high on a broader scale. The data suggests that while violent crime is less frequent, with a chance of 1 in 435 of becoming a victim, property crimes are particularly problematic, with a 1 in 46 chance. Given the particularities of Euless's crime statistics, multifaceted approaches are needed to improve the city's safety conditions. This could include a stronger police presence, more effective neighborhood watch programs, and social initiatives that focus on the root causes of crime. Tackling both violent and property crimes should be a priority for local government and law enforcement agencies.

Choice of 6 insurance coverage in Euless, TX.

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.

Loss of Rent Coverage:

What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.

Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.

Cyber Security Coverage:

What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.

Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.

Home Business Coverage:

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

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

Sinkhole Coverage:

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

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

Did You Know?

Individuals living in manufactured home communities, who typically buy their manufactured home and rent the lot, are subject to different laws. However, if you live in a mobile home outside these communities, you're governed by the same laws as house or apartment renters, primarily found in Chapter 92 of the Texas Property Statutes.

Mobile Home Facts : Texas

Treatment of Manufactured Home as Real Property:

According to the Texas Underwriting Manual TX: 12.24:

Learn about the TMHA!

The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.

Consisting of devoted professionals, TMHA actively advocates for their members and the broader Texas manufactured housing community, especially through dedicated representation in the Texas Legislature. Being a member-driven association, their main emphasis is on equipping their extensive network of over 1,400 members with vital resources and insights to thrive in their businesses.

If you're part of the manufactured housing sector and haven't yet joined TMHA, we highly recommend you do so immediately!

Learn about Texas Homeowner Assistance: Two Vital Programs

Texas residents who are struggling with home-related expenses have two vital assistance programs available: the Texas Homeowner Assistance Program due to the COVID-19 pandemic and the Homeowner Assistance Program (HAP) following Hurricane Harvey.

Treatment of Manufactured Home as Real Property:

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Financial support for affected homeowners.

Homeowner Assistance Program (HAP):

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Home repairs and rehabilitation I Home reconstruction I Enhancements for better resilience against natural disasters I Elevating homes above flood levels along with reconstruction aid I Temporary relocation aid

Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.

Texas Coastal Property Insurance Pool Programs

The Texas Coastal Insurance Pool (TCIP), formerly known as the Texas Windstorm Insurance Association (TWIA), is a vital insurance entity designed to protect homeowners in the Texas coastal regions. Established in the face of limited private insurance options, the TCIP provides wind and hail coverage to properties located in certain parts of Texas's seacoast territory.

Key Features:

Primarily, the TCIP offers windstorm and hail damage insurance for homeowners who might not find coverage in the private market due to the heightened risk associated with coastal regions.
Residential and commercial properties in the 14 coastal counties and certain parts of Harris County (east of Highway 146) are eligible. However, to qualify, properties must comply with the windstorm building code for the region.
While the TCIP operates similarly to a typical insurance company, it is different in its financial structure. In the case of significant catastrophic losses, the association has the ability to recoup losses through premium surcharges or bonds, ensuring continuity of coverage for its policyholders.
With the growing threat of hurricanes and tropical storms in the Texas coastal regions, the TCIP plays a pivotal role in ensuring that homeowners can obtain the necessary insurance protection against these natural disasters.


Inland of the Intracoastal Canal $2.50 per $100 coverage 42 Effective October 1, 2008 Seaward of the Intracoastal Canal $5.00 per $100 coverage

Eligibility for TWIA:

A mobile home located in a designated catastrophe area that meets the following criteria is eligible to be insured under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy.

The mobile home complies with the definition of manufactured home under the rules and regulations of the Texas Department of Housing and Community Affairs (TDHCA).
The mobile home is occupied solely as a one or two family residence.
The mobile home is blocked and tied down in accordance with the current state generic standards promulgated by the TDHCA or with the manufacturer’s installation instructions.

The mobile home has been inspected, and an inspection approval form has been completed and issued verifying that the home is blocked and tied down in accordance with the required standards with no violations of these standards. The form may be on file with the TDHCA. If a form is not on file with the TDHCA or the form is over five years old, a new inspection approval form that indicates no violations of the blocking and tie down requirements must be obtained through an installer licensed by the TDHCA. 41 Effective October 1, 2008

Homes manufactured on and after September 1, 1997, must be designated by the manufacturer as Zone II homes to be insurable through the Association.

Additions to Mobile Homes:

Limit of Liability:

The maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.


Policy Forms & Endorsements:

The following policy form is to be used: T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy

Important Endorsements in Texas:

What it is: Provides coverage that a manufactured housing unit has been affixed to the land, has been converted to real property and that there are no personal property taxes or personal property liens attached to the MHU.

Why it’s needed: This endorsement is issued in conjunction with a T-2 Loan Policy to insure a manufactured housing unit located on the land. Manufactured housing includes mobile homes and other manufactured housing permanently attached to the land as a fixture.

What it is: An addition or modification to a standard insurance policy that provides coverage for damages caused by sinkholes. A sinkhole is a depression or hole in the ground caused by the collapse of a surface layer, often due to the dissolution of limestone or other soluble rocks below the surface. When it occurs under a property, it can cause significant damage or total loss of the structure.

Why it's needed: Not all standard homeowners' insurance policies cover damage caused by sinkholes. In areas prone to sinkhole activity, this endorsement is crucial. A sinkhole can render a home uninhabitable, and without this coverage, homeowners could face substantial financial losses. By adding this endorsement, homeowners are protecting their investment and ensuring they won't be left without resources to repair or rebuild in the event of a sinkhole disaster.

Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam:

What it is: This endorsement provides coverage for damage caused by the unexpected and unintentional release of water or steam from plumbing, heating, air conditioning, or automatic fire protective systems within the mobile home.

Why it's needed: Mobile homes, like any other residential structure, are vulnerable to unforeseen internal water or steam damage, which can be costly to repair. Such incidents might include a burst pipe, malfunctioning water heater, or broken appliance hose. By adding this endorsement to their insurance policy, mobile homeowners can protect themselves financially from the damages and repair costs resulting from these sudden and unexpected events.

Additional Policy Riders for Mobile Home Insurance in Texas:

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

Provides protection against flood-related damages, excluding waterline or sewer backups. Average annual cost: $700.
The mobile home is occupied solely as a one or two family residence.

defends against damages when drains, pipes, or sewers back up, but not from floods.  Annual cost range: $50-$250.

helps homeowners meet current building codes during repairs or reconstruction, ensuring updates to older homes meet modern standards. Costs: Anywhere between 10% to 25% of dwelling coverage.
offers specialized coverage for high-value items like jewelry or art.
is for home-based businesses, ensuring business property stored at home is covered. Costs vary based on asset value.

aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.

Adding any rider will increase your premiums, influenced by location, risk profile, chosen coverage, and deductible. Riders can be added during initial policy purchase, at renewal, or anytime during the policy period. Some carriers might not offer all endorsements, so shopping around might be necessary.

Finding A Manufactured Home or Mobile Home Community in Euless, TX

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

Trinity Place Mobile Home Park

Location: 3721 Trinity Place, Euless, TX 76040

Community Features: All Ages Community Pet Policies: Pets allowed with breed restrictions Off-Street Parking Year Built: 1998 Number of Sites: 78 Multisection Homes: 100% Homes with Peaked Roofs: 75% Homes with Lap Siding: 80%

Knob Hill Mobile Home Park

Knob Hill Mobile Home Park is a neighborhood of homes in Euless, Texas, offering various styles, sizes, and prices.
Single-family homes for sale range from approximately 900 square feet to over 1,600 square feet.
Prices range from approximately $25,000 to $49,900.
Various real estate brokers participate in the local MLS, including BEX Realty.

Harston Woods

Location: 10920 Harston Woods Dr, Euless, TX 76040

Community Features: All Ages Community Pet Policies: Pets allowed with community approval Off-Street Parking Playground Clubhouse Sidewalks Swimming Pool Recreational Facilities Amenities include a fitness center and on-site sales office.

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

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

Reasoning: If your mobile home is located near a golf course, this endorsement offers discounts for homes with golf course views or access to golf course amenities.

Reasoning: Euless offers luxury RV parks. This endorsement provides discounts or coverage enhancements for memberships at upscale RV parks in the area.

Reasoning: High winds are a concern in some parts of Texas. This coverage offers protection for reinforcing or upgrading your mobile home’s roof to withstand strong winds.

Reasoning: Mobile homes in cul-de-sacs may experience less traffic. This endorsement offers discounts for homes located in cul-de-sacs for enhanced safety.

Reasoning: If you frequently take extended RV vacations, this coverage provides extended liability protection for longer trips.

Reasoning: If your RV includes high-end luxury features, this coverage ensures these features are adequately protected in case of damage or theft.

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