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

Welcome to Garland, Texas - a city that beautifully weaves the strands of economic vitality, cultural richness, and communal warmth into a captivating tapestry. Situated northeast of Dallas, Garland may be part of the sprawling DFW Metroplex, but its essence resonates with a singular character that makes it stand apart as a vibrant and welcoming community.

Founded in the late 19th century, Garland has progressed from a rural town to an industrial powerhouse, home to a diverse range of businesses, including electronics, steel fabrication, and food processing. Yet, this industrial might has not overshadowed the city's commitment to preserving its history. The Landmark Museum at Heritage Crossing tells the tale of Garland's journey through time, offering a glimpse into the city's evolution from agrarian roots to industrial prominence.

While the city's economic framework is robust, Garland also offers an array of natural and recreational spaces that serve as a counterbalance to its industrial demeanor. The shimmering waters of Lake Ray Hubbard offer a tranquil setting for fishing, boating, and other water activities, while numerous parks like the Spring Creek Forest Preserve provide an inviting backdrop for hiking, picnicking, and nature observation.

Garland's cultural landscape is equally enthralling. The city is a hub for arts and entertainment, exemplified by the Garland Opry, which has long been a platform for aspiring country musicians. The Plaza Theatre, an art-deco marvel, hosts a variety of performances, from plays and musicals to concerts, bringing the community together in celebration of the performing arts. Food is another arena where Garland's diverse heritage shines. The city's culinary landscape is a melting pot of flavors, offering everything from traditional Southern barbecue to an assortment of international cuisines. Whether it's the charm of a local diner or the sophistication of a fine dining establishment, Garland's gastronomy offers something for every palate.

One lesser-known fact about Garland is its commitment to sustainability and environmental conservation. The city has invested in green initiatives such as recycling programs and the promotion of renewable energy, affirming its responsibility toward future generations. These efforts have earned Garland various awards and recognitions, including being named a 'Tree City USA' for its dedication to urban forestry.

From its bustling industrial sectors to its serene natural spots, from its lively cultural venues to its wide-ranging culinary delights, Garland presents a living portrait of a community that is as economically robust as it is culturally vibrant. Whether you're drawn by its economic opportunities, charmed by its community events, or captivated by its natural beauty, Garland welcomes you with open arms. Come and discover this Texas gem, where the spirit of community and the drive for progress come together in a harmonious blend.

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 Garland, TX.

Weather Risks:


Hazard Description: Tornadoes are rapidly rotating vortices of air that can cause substantial damage and even fatalities. On average, the City of Garland is issued 9-10 tornado watches per year.

Implications for Mobile Home and RV Owners: Tornadoes are highly dangerous for mobile homes and RVs, which are far less stable than traditional homes and can be easily overturned or destroyed by high winds.

Safety Measures: Know the locations of the nearest storm shelters and have a route planned. Have a weather radio to stay updated on tornado watches and warnings. If a tornado warning is issued, evacuate your mobile home or RV immediately for a sturdier shelter.

Severe Winter Weather/Extreme Cold

Hazard Description: Severe winter weather can include heavy snowfall, sleet, or ice. It can lead to worsening conditions if precipitation is frozen.

Implications for Mobile Home and RV Owners: Mobile homes and RVs are typically not well-insulated, making them susceptible to cold weather hazards. This can lead to frozen pipes, and inadequate heating can pose health risks.

Safety Measures: Ensure your mobile home or RV is well-insulated and has a reliable heating system. Keep extra blankets, warm clothing, and emergency supplies on hand. In extreme conditions, consider moving to a more robust structure or warming center.


Hazard Description: Flooding is a prevalent risk, with three types affecting Garland: river, inland, and flash flooding. Flash floods are particularly dangerous and can occur within minutes of excessive rainfall.

Implications for Mobile Home and RV Owners: The lightweight structure of mobile homes and RVs makes them highly vulnerable to flooding, which can result in the complete loss of the home or vehicle.

Safety Measures: Park your mobile home or RV in elevated areas and far away from flood-prone zones. Monitor weather reports and have an evacuation plan. Consider installing barriers or other flood prevention measures around your mobile home or RV.

Being prepared and staying informed can significantly reduce the risks associated with these hazards for mobile home and RV owners.

Recommended Neighborhoods in Garland, TX.

Property Crime Rates in Garland, TX.


Overall Crime Rate: 26 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 39

Comparison with Texas and the U.S.

State Comparison: Higher crime rate than 87% of Texas communities.
National Comparison: Higher than the national average but near the middle of the pack when compared to cities of similar size.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 3; chance of becoming a victim is 1 in 395.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 23; chance of becoming a victim is 1 in 43.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: Garland's crime rate is near the average when compared to similarly sized communities across the U.S.
Violent Crime: Higher than most communities of all sizes in the U.S.
Property Crime: Also higher than most communities in the U.S.

Garland, Texas, shows a complex crime picture. While its overall and property crime rates are higher than most places in the United States, it is on par with other communities of its size. Violent crime is a notable issue, with the rate being higher than most American communities of all sizes. The risk of motor vehicle theft is particularly high. Given these statistics, residents and local authorities in Garland might focus on community policing, neighborhood watch programs, and other crime prevention strategies, particularly those aimed at reducing motor vehicle theft and violent crimes. This could involve increased patrols, better security measures for parked vehicles, and community awareness campaigns.

Choice of 6 insurance coverage in Garland, TX.

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.

Business Property:

What it is: Extends coverage to business property stored or used in the home.

Why it's needed: For those who run a home-based business or store business items at home, it ensures they're financially protected.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

Equipment Breakdown:

What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.

Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.

Enhanced Dwelling Protection:

What it is: Provides added coverage for rebuilding expenses that go over the policy's stated limit.

Why it's needed: Rebuilding costs can escalate due to factors like increased materials prices or changes in building codes. This ensures full coverage.

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.

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 Garland, TX

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

Glen Knoll (Wylie, TX)

All-age community
Top-rated school district
Close to shopping, dining, and attractions
Amenities include a clubhouse, playground, and swimming pool
Office hours: Mon-Fri 8 AM - 5 PM, Sat & Sun by appointment

Wildwood Village (Sachse, TX)

Brand new homes
Easy interstate access
Amenities include air-conditioned units, playground, and online bill payment
Office hours: By appointment

La Casita (North Richland Hills, TX)

Owner-occupied homes
Centrally located with access to schools, shopping, and more
Amenities include a clubhouse, fitness center, and swimming pool
Office hours: Mon-Fri 9 AM - 4 PM, Sat & Sun closed

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

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

Reasoning: Garland offers various recreational activities. This coverage provides specialized liability protection for accidents or injuries related to recreational activities specific to Garland.

Reasoning: Solar panels are popular for RVs. This coverage ensures your rooftop solar panels are adequately protected in case of damage.

Reasoning: If your mobile home is located in a historic district, this endorsement offers discounts for homes in these preserved areas.

Reasoning: Foundation issues can arise. This coverage provides for regular inspections and necessary reinforcement to maintain a stable foundation for your mobile home.

Reasoning: Some RV owners have antique or collectible RVs. This coverage ensures that these unique vehicles are adequately insured based on their value as antiques.

Reasoning: Tailgating at local events is common. This coverage provides specialized liability protection for accidents or injuries that might occur during tailgating activities in Garland.

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