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

Welcome to League City, Texas - Where Gulf Coast Beauty Merges with Small-Town Charm

Hidden along the tranquil shores of Clear Lake and the Galveston Bay, League City intertwines nature's serenade with a rich tapestry of historical and cultural landmarks. In League City, time melts into the pages of history books and the canvas of the present, painting a portrait of a city that cherishes its past while embracing modernity's vibrancy.

Beyond the restful beauty of the waterways and the oak-lined streets, League City whispers tales of its fascinating past. Indigenous tribes once populated the area, leaving behind a legacy of beautiful artifacts that continue to inspire today. The arrival of Spanish explorers in the 16th century spurred the first European settlement in Southeast Texas, and the Galveston Bay facilitated trade and commerce, propelling League City to become a vital center of development.

As the community of League City grew amidst the bounty of nature's gifts and economic opportunities, it became a melting pot of cultures and ideas. The city's attractions and businesses are as diverse as its population – ranging from vibrant restaurants that serve cuisines from all four corners of the world to quirky museums that celebrate peculiar aspects of Texas history. A testament to the city's thriving art scene is the Emerging Technology Fund mural, which pays homage to the city's scientific advancements and entrepreneurial spirit.

League City is also known for its vibrant arts scene. The Butler Longhorn Museum showcases the rich history of the Texas Longhorn cattle industry and hosts various art exhibitions throughout the year. The city also houses the Helen Hall Library, which serves as a hub for cultural events, literary discussions, and educational programs for all ages.

For those seeking unique experiences, League City reveals hidden treasures waiting to be discovered. Did you know that League City boasts an enchanting sculpture garden known as the Walter Hall Park Sculpture Garden? Wander through this outdoor gallery and be captivated by the beautifully crafted artworks displayed among the serene natural surroundings. League City is also recognized as the Jump Capital of Texas, with numerous horse farms and equestrian centers offering thrilling horseback riding experiences.

Whether you're drawn to the quiet, natural beauty of the area surrounding League City or the bustling small-town vibe of the community, this city offers a unique blend of history, culture, and nature that appeals to residents and visitors alike. From the enchanting mosaic of the Clear Lake Park to the NASA Space Center just minutes away, the possibilities for adventure and exploration in League City are endless.

Explore the city's historical landmarks and marvel at its natural wonders. Sample the vibrant cuisines and immerse yourself in its thriving arts and culture scene. Connect with the city's pulsating entrepreneurial spirit and untold stories. Welcome to League City – where the past meets the present, and a world of possibilities awaits.

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 League City, TX.

Weather Risks:


Description: League City, being close to the Gulf of Mexico, is susceptible to flood risks, especially from hurricanes and tropical storms. There are 15,044 properties in League City at significant risk of flooding over the next 30 years.

Implications for Mobile/Manufactured Home and RV Owners: Elevated Risk: Mobile and manufactured homes, often lacking permanent foundations, are at higher risk from floodwaters. Relocation: RV owners should always be prepared to move their vehicles to higher ground during flood warnings.

Insurance: Separate flood insurance is essential, as flood damage isn't covered by standard policies. RV-specific flood insurance might be required for those owning recreational vehicles.

Wind/Hail Damage

Description: Due to its location, League City frequently encounters wind and hail damage, especially during severe thunderstorms.

Implications for Mobile/Manufactured Home and RV Owners: Vulnerability: These homes are particularly vulnerable to wind damage. Proper tie-downs for mobile and manufactured homes are crucial.

Protection: Consider installing protective carports or canopies for RVs or using protective covers to reduce hail damage. Insurance: Ensure wind and hail damage is included in your policy. Due to the elevated risk, mobile home and RV policies might carry higher wind/hail deductibles.


Description: With a Tornado Index of 350.46, League City has a higher likelihood of tornado events compared to state and national averages.

Implications for Mobile/Manufactured Home and RV Owners: Elevated Risk: Mobile/manufactured homes and RVs can be easily overturned or severely damaged by tornadoes.

Shelter: It's imperative to have a designated storm shelter or a secure building to evacuate to during tornado warnings. Relocation: If a tornado warning is issued, RV owners should consider relocating their vehicles out of the storm's path.

Recommended Neighborhoods in League City, TX.

Property Crime Rates in League City, TX.

League City, Texas: Crime Overview

Population: Data not specified Overall Crime Rate: 11 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 88

Comparison with Texas and the U.S.

State Comparison: Lower crime rate than approximately 48% of Texas communities.
National Comparison: Near the average for all cities and towns across the U.S. For its size, League City is safer than most similar communities across the country.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 1; chance of becoming a victim is 1 in 1,243.
Tracked Violent Crimes: Includes assault, rape, murder, and armed robbery.
Property Crime Rate: 11; chance of becoming a victim is 1 in 95.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: When compared to cities of similar size, League City stands out as being safer than most.
Violent Crime: Significantly below the national average. Residents have a relatively low chance of encountering violent crimes.
Property Crime: While League City's property crime rate matches its overall crime rate, it's worth noting that there's an above-average chance of becoming a victim of property crime compared to other communities in the U.S.

League City, Texas offers a relatively safe environment, particularly concerning violent crimes. With a violent crime rate well below the national average, residents of League City enjoy a safer community compared to many other places in the U.S. However, like many areas, property crime remains a concern, as indicated by the higher rate.

Choice of 6 insurance coverage in League City, TX.

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.

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.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

Pest Damage:

What it is: Coverage against damages caused by pests like termites, rodents, etc.

Why it's needed: Pest damage can be expensive to repair and isn't always covered in standard policies.

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.

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.

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 League City, TX

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

Rancho Del Rey

Location: 1633 Webster, League City, TX 77573
Phone: N/A
Community Features: All-ages community, 143 sites, pet-friendly (inside only), off-street parking, paved streets, no age restrictions.
Year Built: 1975
Amenities: Average street width, 10% RV sites, 10% multisection homes, 75% homes with peaked roofs, 75% homes with lap siding.
Distance: 0.9 miles to water.

USA RV Resorts Willow Lake

Location: Close to Kemah, Galveston, Houston, Clear Lake, Seabrook, Webster, Texas City, and San Leon.
Phone: Text 281-724-2020
Amenities: Swimming pool, lake views, picnic areas, showers, laundry, fitness room, kitchen, pet-friendly.
Accolades: RV Park of the Year 2023.

Space Center RV Park

Location: 301 Gulf Freeway South, League City, TX 77573
Phone: (281) 554-8800
Amenities: Over 100 RV sites with hookups, swimming pool, hot tub, dog walk, gym, community room, security cameras, laundromat, individual bathrooms, concrete spaces, free high-speed Wi-Fi, all bills paid.
Nearby Attractions: Close to Galveston, Kemah Boardwalk, NASA Space Center.

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

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

Reasoning: League City is near the coast, and hurricane-related storm surges can be a concern. This coverage provides protection specifically for storm surge damage to mobile homes.

Reasoning: If you park your RV in a seaside RV park, this endorsement offers discounts for locations near the coast with waterfront views.

Reasoning: League City has artisan communities. This endorsement provides discounts for mobile homes located within or near these communities.

Reasoning: Waterfront living is common. This coverage provides protection for the construction, repair, or replacement of waterfront decks attached to your mobile home.

Reasoning: League City offers beach access. This coverage offers specialized liability protection for accidents or injuries related to beach activities near your RV.

Reasoning: Coastal erosion can affect RV park locations. This endorsement provides coverage for erosion protection measures for your RV’s location.

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