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

Welcome to Lewisville, Texas -a lakeside jewel with deep Texan roots! Situated in the bustling heart of North Texas, Lewisville is a captivating blend of historical depth, modern allure, and natural beauty. Nestled along the shimmering shores of Lewisville Lake and just a stone's throw from Dallas, this vibrant city offers an array of experiences that resonate with both locals and visitors alike. From its early days as a frontier settlement to its modern evolution as a diverse and thriving community, Lewisville is a microcosm of Texan spirit and tenacity.

Lewisville's origin dates back to the 1840s when the region was first settled by families attracted to the fertile blackland prairie. The arrival of the Missouri-Kansas-Texas Railroad in the late 19th century was a pivotal moment in its growth, transforming the once quiet settlement into a burgeoning commercial hub. Originally known as "Holford's Prairie," the town was renamed Lewisville in honor of Basdeal W. Lewis, one of its early residents.

Over the years, the construction of Lewisville Lake Dam in the 1950s has had a profound impact on the city’s landscape and economy, providing water resources, recreational opportunities, and serving as a magnet for development and tourism. Lewisville's strategic location in the Dallas-Fort Worth metroplex has contributed to its growth and significance over the decades. Its blend of urban amenities and natural beauty provides a balance that attracts businesses and families alike. Furthermore, its commitment to preserving its historical sites while also embracing future developments gives Lewisville a unique dual character. Make sure you visit:

Lewisville Lake: Spanning over 29,000 acres, this vast lake is the city's crowning jewel. Perfect for boating, fishing, swimming, and camping, it's a haven for water enthusiasts.
Old Town Lewisville: With its historic charm and modern amenities, Old Town is a vibrant hub of shops, restaurants, and cultural activities. Several events and festivals are held here throughout the year.
Lewisville Lake Environmental Learning Area (LLELA): This nature preserve stretches over 2,000 acres, offering trails, bird-watching opportunities, and an immersive experience of the region's natural ecosystems.
MCL Grand Theater: A modern facility dedicated to arts and entertainment, this theater is the hub for concerts, plays, art exhibitions, and more.
Medical City Lewisville Grand Theater: This multi-use arts center caters to both visual and performing arts, serving as a testament to the city's commitment to fostering cultural growth.

Here are some quirky facts about Lewisville, TX that you may not know about: Lewisville was once home to the discovery of a prehistoric skeleton, dating back over 2,000 years, known as the "Lewisville Man." The city has an extensive urban forestry initiative and has been recognized as a Tree City USA for multiple years.
The "Fighting Farmers" is the unique mascot for Lewisville High School, paying homage to the city's agricultural roots.
Lewisville, Texas, is a city of contrasts—where the echoes of the past harmoniously blend with the melodies of the present. It's a place where community spirit is palpable, nature beckons at every corner, and the horizon promises endless possibilities. Whether you're drawn to its historical streets, its thriving arts scene, or the serene embrace of Lewisville Lake, there's a piece of Lewisville waiting to resonate with your story.

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 Lewisville, TX.

Weather Risks:

Excessive Heat and Poor Air Quality

Excessive heat warnings are issued when temperatures soar to dangerous levels, like the recent alert suggesting temperatures up to 108°F with heat indices reaching a stifling 113°F. In conjunction with heat advisories, poor air quality alerts, such as the Ozone Action Day, heighten concerns, indicating that the combination of heat and pollutants can make outdoor conditions harmful.

Insurance Implications for Mobile Home Owners

Mobile homes can quickly become unbearable heat chambers if not adequately cooled.
Prolonged exposure to high temperatures can degrade the structural integrity of mobile homes.
Poor air quality can be trapped inside mobile homes, leading to respiratory and health problems.


The tornado index for Lewisville, TX, is significantly higher than the national average, suggesting that the area is at a pronounced risk of experiencing tornado events.

Implications for Mobile Home Owners:

Mobile homes are especially vulnerable to tornados, with potential for complete destruction.
Evacuation may be necessary, putting residents at risk of injury or loss of life.

Mitigation Measures:

Ensure that mobile homes are anchored securely to their foundations.
Invest in a storm shelter or identify the nearest community tornado shelter.
Stay informed about weather updates, especially during tornado season, and have an evacuation plan in place.

Thunderstorms, Hail, and Floods

The frequency of thunderstorm winds and hail incidents is quite high in Lewisville. In addition, while not as frequent, flooding remains a significant concern.

Implications for Mobile Home Owners:

Hail can cause substantial damage to the exterior of mobile homes, including broken windows and damaged roofs.
Thunderstorm winds can overturn mobile homes or cause structural damage.
Flooding can erode the ground beneath mobile homes and introduce water damage.

Mitigation Measures:

Use storm shutters or protective measures for windows during hail predictions.
Elevate mobile homes or ensure they are placed in areas less prone to flooding.
Consider adding barriers or landscaping features around the mobile home to divert water during heavy rainfall.

Recommended Neighborhoods in Lewisville, TX.

Property Crime Rates in Lewisville, TX.

Situated in Texas, Lewisville grapples with a crime rate that is higher than the national average, encompassing both violent and property crimes. Analyzing this rate in comparison to other cities within Texas and similar-sized communities nationwide can offer a deeper insight into Lewisville's crime scenario.

Comparative Analysis:

With 21 crimes per one thousand residents, Lewisville's crime rate is considerably higher than the national average, spanning from the largest to the smallest American communities.
An individual in Lewisville stands a 1 in 47 chance of becoming a victim of either violent or property crime.
According to FBI crime data, Lewisville surpasses 79% of Texas cities and towns in terms of crime rate. This means it's relatively less safe when looking at statewide figures.

However, when juxtaposed against similarly sized communities in the U.S., the city's crime rate was found to be near average, neither leaning towards particularly high nor low. This places Lewisville roughly in the middle of the pack among its peers.

Violent Crime Analysis:

Violent crime in Lewisville emerges as a significant concern. The rate, which includes crimes like armed robbery, aggravated assault, rape, and murder, is higher than what most U.S. communities experience, regardless of their size. The rate stands at 3 per one thousand residents, translating to a 1 in 353 chance for a resident to fall victim to a violent crime.

Property Crime Analysis:

Property crimes in Lewisville, encompassing motor vehicle theft, arson, larceny, and burglary, occur at a rate of 18 per one thousand residents.
This is above average when compared to all U.S. communities, irrespective of their size.
In practical terms, a resident's likelihood of becoming a victim of property crime in Lewisville is 1 in 55.

While Lewisville might rank average when compared to similarly sized cities across the nation, its crime rates, especially concerning violent crimes, remain a point of concern. The city's property crime rate also underscores the need for continuous vigilance and proactive measures to ensure safety for all residents.

Choice of 6 insurance coverage in Lewisville, TX.

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.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

Scheduled Personal Property Coverage:

What it is: Increases the coverage amount for specific, valuable personal property items.

Why it's needed: Standard policies might not fully cover high-value items. This customization ensures adequate coverage.

Weather/Natural Risks:

What it is: Protection against damages from weather events like tornadoes, hurricanes, hail, and more.

Why it's needed: Mobile homes can be especially vulnerable to severe weather events. This coverage offers peace of mind in volatile climates.

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 Lewisville, TX

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

Village North

Located at 1240 North Cowan Avenue, Lewisville, TX 75057
Less than a mile from Lewisville Lake Close to restaurants, shopping, and entertainment
Features a playground and is near a recreation center
Contact: Monday-Friday: 9am-6pm, Saturday and Sunday: By Appointment


An all-age manufactured home community in Lewisville
Offers homes in a top-rated school district
Conveniently located near local attractions like the Dallas Museum of Art and Arbor Hills Nature Preserve Provides various amenities including a basketball court, clubhouse, and more Pet-friendly community
Contact for availability and details

Highland Acres

Located at 1708 Bunker Hill Lane, Lewisville, TX 75056
Peaceful community near Lewisville Lake
Close to restaurants, grocery stores, and medical center
Amenities include a pool, playground, basketball court, and clubhouse
Contact: Monday-Friday: 9am-6pm, Saturday: 10am-2pm, Sunday: By Appointment

Eagle Ridge

Located at 1708 Bunker Hill Lane, Lewisville, TX 75056
Offers a range of homes for sale and rent
Features an outdoor swimming pool, playground, and clubhouse
Hosts resident events and parties throughout the year
Contact: Monday-Friday: 9am-6pm, Saturday: 10am-2pm, Sunday: By Appointment

Golden Triangle

Located at 301 South Coppell Road, Coppell, TX 75019
Community amenities include a swimming pool, playground, and shuffleboard
Residents enjoy planned events and activities
Close to Grapevine Mills Mall, DFW Airport, and dining options
Contact: Monday-Friday: 9am-6pm, Saturday and Sunday: By Appointment

Oak Park Village

Less than thirty minutes from downtown Dallas
Offers easy access to freeways and local conveniences
Close to excellent schools, Grapevine Mills Mall, and DFW Airport
Provides a playground and other amenities
Contact: Monday-Friday: 9am-6pm, Saturday and Sunday: By Appointment

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

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

  • For Mobile Home Owners and RV Owners: Lewisville, TX, is situated in an area prone to tornadoes and windstorms. This coverage is vital to protect your mobile home or RV from the significant damage these weather events can cause. Without this coverage, repair costs can be overwhelming, making it essential for safeguarding your investment.

  • For Mobile Home Owners and RV Owners: Texas has its share of wildlife and pets. This coverage is crucial to protect you in case your pet causes harm to others or their property. Whether you’re a mobile home or RV owner, this coverage helps mitigate potential liability issues related to animal incidents.

  • For Mobile Home Owners and RV Owners: Hailstorms are common in Lewisville. Having specific hail damage coverage ensures that repairs or replacements due to hail-related damages are covered. With frequent hail events, this coverage becomes indispensable to maintain the condition of your mobile home or RV

  • For Mobile Home Owners: If your mobile home is designed for movement, this coverage addresses the unique risks associated with transportation. It includes coverage for damages that might occur while moving your home to a new location, ensuring your investment is protected during transit.

  • For RV Owners: If you’re an avid hiker, this coverage protects your hiking equipment stored in your RV. This can include gear like hiking boots, backpacks, and outdoor apparel. As Lewisville offers opportunities for outdoor activities, having coverage for your specialized equipment is beneficial.

  • For Mobile Home Owners and RV Owners: This coverage addresses specific environmental hazards prevalent in Lewisville, such as soil subsidence or sinkholes. It helps cover damages resulting from these localized environmental issues that may not be covered by standard policies.

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