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

Welcome to Irving, Texas -a mosaic of culture, history, and modernity in the Metroplex! Nestled between the vast sprawls of Dallas and Fort Worth, Irving emerges as a city that encapsulates the essence of both old-world charm and contemporary dynamism. Serving as a vital link within the Dallas-Fort Worth metroplex, Irving is not just a transit point; it's a destination in its own right, replete with tales from the annals of history, a vivacious arts scene, tantalizing culinary delights, and the whispers of many a hidden gem.

Irving's narrative began in the late 19th century, originally part of the Peters Colony. Founded in 1903 by J.O. "Otto" Schulze and Otis Brown, it was named after the beloved author Washington Irving, a favorite of Brown’s wife. The city saw exponential growth following the inauguration of the Dallas/Fort Worth International Airport in 1974, which transformed Irving into a major logistical and business hub.

Irving's geo-strategic significance cannot be understated. With the presence of the DFW International Airport, one of the world's busiest and largest airports, the city is seamlessly integrated into the global transportation network. Moreover, Irving is home to several Fortune 500 companies, making it a powerhouse in the realms of business and commerce. Make sure to visit:

The Mustangs of Las Colinas: This is perhaps the most iconic sculpture in Irving. A stunning depiction of nine wild mustangs galloping across a granite stream, it's a testament to the free spirit of Texas. Irving Arts Center: A hotspot for art lovers, this center houses galleries, theaters, and studios, offering a rich tapestry of cultural experiences.

Campión Trails: Stretching over 22 miles, this is a haven for those seeking to reconnect with nature, be it through jogging, cycling, or a leisurely stroll.

Ruth Paine House Museum: Steeped in history, this museum offers a unique perspective into the events leading up to the JFK assassination, as Lee Harvey Oswald spent his last night of freedom here. Toyota Music Factory: An all-in-one dining, entertainment, and music destination, it's the pulse of Irving's nightlife. The Ranch at Las Colinas: Indulge in farm-to-fork Texan dishes, celebrating the state's rich culinary heritage.

Via Real: A sanctuary for Tex-Mex aficionados, this spot blends traditional recipes with contemporary flair. Yard House: With its vast array of craft beers and eclectic menu, it's a paradise for gastronomes.

Here are some facts about Irving you may not have known about: Irving is home to the world headquarters of the Boy Scouts of America. The city has a reconstructed "Pioneer Village" at the Irving Heritage District, offering a glimpse into its early days. The National Scouting Museum, prior to its move to New Mexico, was located in Irving, preserving the history and significance of the Boy Scouts movement.

Irving is not merely a city—it's an experience, an ever-evolving tapestry of tales old and new. It beckons travelers with its history, woos businesses with its infrastructure, and captivates all with its multifaceted charm. Whether you're drawn to its bustling corporate towers, its serene trails, or the seductive aromas wafting from its diverse eateries, Irving promises a rendezvous with the heart of Texas.

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 Irving, TX.

Weather Risks:

Irving, TX, like many places in Texas, is susceptible to various severe weather events. For mobile home owners, RV owners, and mobile park owners, these weather threats can lead to significant concerns, particularly from an insurance standpoint. Here’s an in-depth look at three primary weather threats:

Extreme Heat

Description:
In Irving, extended periods of extreme heat combined with high humidity can stress both people and infrastructure. Mobile homes and RVs can become intolerably hot if not adequately cooled, posing a health risk to residents.

Insurance Concerns:
Fire risks due to malfunction or overuse of cooling systems. Potential damage to mobile home structures from prolonged heat. Increased health risks, potentially leading to liability claims.

Safety Tips:
Ensure efficient ventilation and air conditioning for mobile homes and RVs. Use reflective materials or sun shades to block out intense sun rays. Regularly hydrate and avoid outdoor activities during peak heat.

Winter Weather

Description:
Winter storms, while less common, can bring freezing rain, snow, and ice to Irving. The infrastructure of mobile homes, RVs, and mobile parks can be particularly vulnerable to such conditions.

Insurance Concerns:
Damage from ice or snow accumulation on mobile homes and RVs. Burst pipes leading to water damage. Liability claims from slip and fall incidents within mobile parks.

Safety Tips:
Properly insulate mobile homes and RVs to withstand the cold. Prevent pipe freezing by allowing faucets to drip during extremely cold nights. Clear ice and snow from mobile park common areas and walkways promptly.

Hail Storms

Description:
Hailstorms can be fierce in Irving, causing significant damage. The thinner structures of mobile homes and RVs are especially susceptible to hail impact.

Insurance Concerns:
Structural damage to mobile homes, RVs, and park amenities. Potential liability if park shelters prove inadequate during hailstorms.

Safety Tips:
Relocate RVs or vehicles under cover if a hailstorm is imminent. Install protective measures like window shields or covers for mobile homes. Ensure mobile parks have designated safe spaces or shelters during intense hailstorms.

For residents and owners in Irving, it's vital to ensure their mobile homes, RVs, and mobile parks have adequate insurance coverage. Regularly evaluating potential risks and staying updated with safety measures can significantly reduce damages and safeguard residents' well-being.

Recommended Neighborhoods in Irving, TX.

Property Crime Rates in Irving, TX.

Property Crime Rates:

Irving, Texas, presents a multifaceted landscape when it comes to its crime rates. By understanding these rates in the broader context of both Texas and the U.S. as a whole, as well as in relation to similarly sized cities, we can gain a clearer picture of crime in the city.

Property Crime Analysis:

Irving's property crime rate is a significant concern.

While Irving might appear safer than many cities of its size when looking at overall crime rates, the nuances in its violent and property crime rates, especially the notable rate of motor vehicle theft, highlight areas of concern for residents and local authorities alike.

Choice of 6 insurance coverage in Irving, TX.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

Inflation Guard Endorsements:

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

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

Personal Injury Coverage:

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

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

Vandalism and Malicious Mischief Coverage:

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

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

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

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.

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.

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:

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:

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 Irving, TX

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

Oak Creek Manufactured Home Community

Located in Irving, Texas
Offers charming manufactured homes in a peaceful neighborhood
Provides generously sized lots for different budgets
Dedicated on-site team for management and maintenance
Pet-friendly community
Contact: Phone Number (469) 351-1647

Arroyo de Oso

Located at 1100 Valley View Lane, Irving, TX 75061
Features a mid-sized community with luxurious amenities
Offers a beach-style entry pool, outdoor TV, gym, and clubhouse
Provides easy access to local attractions and DFW Airport

Trailwood Mobile Home Estates

Located at 2500 Mustang, Grapevine, TX 76051 (near Irving)
An all-ages community with various amenities
Pet-friendly with indoor pets only
Offers a range of home types with different features

Peak Trailer Group

Distributor of Commercial Trailers and Truck Bodies
Serves Texas, Oklahoma, and Northern Louisiana
Represents well-proven brands like Wabash, Transcraft, Reitnouer, and more
Offers truck bodies in addition to trailers
Provides after-sales support and customization options

R&G Supply

Offers replacement parts, supplies, and upgrades for modular buildings and manufactured housing
Also provides windows and doors for residential and recreational vehicles Family-owned business operating since 1978
Ships to all 50 States and internationally

Summit Oaks

Located ten miles northeast of downtown Fort Worth (near Irving)
Features a community with amenities like a basketball court, playground, swimming pool, and clubhouse
Offers homes for sale by owner
Provides various amenities for residents, including storage options

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

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