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Protect Your Manufactured Home in Longview, TX.

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Disclaimer: Data Accuracy and Sources

The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Longview, TX: Costs, Coverage, and Considerations

Welcome to Longview, Texas - where the essence of East Texas is captured in its charming neighborhoods and hidden treasures.

Step into this welcoming and vibrant city and uncover a tapestry of history, culture, and natural beauty.

Beyond its picturesque landscapes, Longview hides a wealth of hidden gems and lesser-known facts. Did you know that Longview was once home to the world's largest inland pipe-making plant? The legacy of this industrial marvel can still be seen today in the remnants of the plant's iconic smokestack, which remains as a symbol of the city's industrial past.

For lovers of classic cars, Longview is home to one of the largest car shows in the region. The "Hot Rod Heritage" event brings together vintage cars and car enthusiasts from far and wide, showcasing the passion and craftsmanship that goes into preserving these timeless machines.

Longview also boasts a unique connection to the world of aviation. The city is the birthplace of aviation pioneer and inventor of the helicopter, Louis LeTourneau. Visitors can explore the LeTourneau Memorial Museum, dedicated to preserving the legacy of this visionary engineer whose innovative machines revolutionized industries around the world.

Nature enthusiasts will be captivated by the beauty of Longview's natural surroundings. The city is located in close proximity to the breathtaking Caddo Lake, known for its mystical cypress trees and enchanting swamp-like scenery. Take a guided canoe or kayak tour through the serene waters and immerse yourself in the tranquility of this hidden gem.

Sports fans will be delighted to discover that Longview prides itself as the "Balloon Capital of Texas," hosting the annual Great Texas Balloon Race. Held every summer, this event brings together hot air balloon pilots from across the country, with colorful balloons filling the sky and creating a mesmerizing spectacle for all to enjoy.

Longview is also a beloved destination for music enthusiasts, as it was once a hotbed for the creation of gospel, blues, and soul music.

The city celebrates its musical heritage with the annual Alley Fest, a vibrant street festival that showcases local talent and brings the community together for a weekend of live music, arts, and delicious food.

Experience the heart of East Texas in Longview, where hidden treasures, captivating history, and natural wonders await your discovery. From exploring the legacy of aviation pioneers to witnessing the magic of a hot air balloon race, Longview is a city that invites you to embark on an unforgettable journey of exploration and wonder.

Understanding Mobile Home Insurance in Texas.

Do I Need Mobile Home Insurance in Texas?

  • Optional, but often required by lenders and mobile home communities.
  • Lenders can't mandate coverage that surpasses home and content replacement value.
  • Strongly recommended for financial protection against damages.

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:

  • Geographic area (land value, crime rate, and environmental threats).
  • Home's value, size, and location.
  • Home's age.
  • Chosen liability coverage.
  • Desired personal property coverage amount.
  • Selected deductible.
  • Actual Cash Value: Compensates the current value of the home, accounting for depreciation. *
  • Replacement Cost: Covers the cost of a new, similar home regardless of the original home's age or previous value. **

* 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!

  • Wind and hail coverage may be excluded for homes near the coast.
  • Purchase flood insurance via the National Flood Insurance Program if difficult to find in the private market.
  • For wind and hail coverage, consider Texas Windstorm Insurance Association (TWIA).

Mobile Home Insurance Coverage in Texas:

  • Dwelling coverage: Protection for permanent structures attached to the home.
  • Personal property: Covers belongings if damaged or stolen.
  • Liability protection: Provides financial protection in case a guest is injured on your property.
  • Other structures: Coverage for free-standing structures on your property, e.g., sheds or fences.
  • Additional living expenses: Covers costs if home becomes uninhabitable due to a covered loss.

Filing a Mobile Home Insurance Claim in Texas:

  • Insurance companies must acknowledge the claim within 15 days.
  • Companies have 15 business days to accept or deny a claim, with potential for extensions in the event of major disasters.
  • Possible 45-day decision timeframe if reasons are provided for delay.
  • Failure to adhere to deadlines could result in the company being sued for the claim amount, interest, and legal fees.

Tips for Purchasing Mobile Home Insurance in Texas:

  • Mobile home insurance is often pricier than standard homeowners insurance.
  • Best way to get affordable rates is to compare quotes from various companies.
  • Online quotes might not be available; be prepared to call companies.
  • Customizable policy options available to cater to individual needs.

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

  • For Texas residents who own a mobile home, the HO-7 insurance form is crucial.
  • This insurance covers both your dwelling and personal property.
  • The HO-7 offers comparable coverage to the HO-3 policy.
  • One thing to remember: if you plan on moving your mobile home, the HO-7 doesn't always cover it while in transit. You may need to consider supplemental insurance in such cases.

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:

  • Floods
  • Hurricanes
  • Mold (Limited Coverage Might be Possible to Add)
  • Earthquakes (Separate Policy Might be Available)
  • Vandalism to Vacant Dwellings
  • Wear and Tear
  • Damage From Pets
  • Intentional Acts
  • Neglect
  • Government Actions

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:

  • Earthquakes
  • Floods
  • Damage from insects & vermin
  • Wear, neglect, or intentional damage
  • Wind/hail damage to trees
  • Vacancies, continuous water leaks
  • Sewer backups, acts of war
  • Certain mold cases

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 Longview, TX.

Weather Risks:

Wind:

Description: Sudden, powerful gusts that can uproot trees and toss debris.

Implication for Mobile/Manufactured Homeowners: Mobile homes, even when anchored, can be significantly damaged by high winds. Roofing materials and siding can be torn off, and unsecured items outside can become projectiles.

Implication for RV Owners: RVs can be overturned or shifted off their supports by strong winds. Extended awnings or external fixtures can be damaged.

Hail:

Description: Frozen pellets that can vary in size and can fall at rapid speeds, causing damage to structures and vehicles.

Implication for Mobile/Manufactured Homeowners: Hail can puncture roofing materials, leading to leaks and water damage. Windows and skylights can be cracked or shattered.

Implication for RV Owners: The exterior of RVs, especially the roof, can be dented or damaged by hail. External fixtures such as vents, skylights, or solar panels can be damaged.

Floods:

Description: Overflow of water onto land that is usually dry, either due to prolonged heavy rainfall or other water system failures.

Implication for Mobile/Manufactured Homeowners: Mobile homes are often at a higher risk during flooding due to their typically low elevation. Floodwaters can compromise the structural integrity of the home and lead to mold growth.

Implication for RV Owners: Stationary RVs can be trapped in rising waters, causing internal and external damage. Engines and electrical systems in RVs can be compromised, rendering them immobile or unusable.

Residents of mobile/manufactured homes and RV owners should stay updated with local weather warnings and take precautions to secure their homes and vehicles during severe weather. It's also vital to have a safety plan in place, including knowing the nearest safe locations in case of evacuations.

Recommended Neighborhoods in Longview, TX.

  • Judson
  • Lakeport
  • Monroe / New Hope
  • Longview Heights
  • H G Moseley Pkwy / Gilmer Rd
  • W Loop 281 / Bill Owens Pkwy
  • Spring Hill East
  • Darco / Estes
  • Hinsley Park
  • Spring Hill

Property Crime Rates in Longview, TX.

Overview:

Overall Crime Rate: 29 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 35

Comparison with Texas and the U.S.

State Comparison: Longview's crime rate is higher than approximately 90% of Texas communities.
National Comparison: Longview's crime rate is considerably higher than the national average, but it is not among the communities with the very highest crime rate.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 3; chance of becoming a victim is 1 in 286.
Tracked Violent Crimes: Armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 25; chance of becoming a victim is 1 in 40.
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.

Key Points

Relative Safety: Longview is not one of the safest communities in the U.S., with crime rates higher than many similar-sized cities in the nation.
Violent Crime: Longview has a higher-than-average violent crime rate when compared to most American communities of all sizes. Furthermore, based on the number of reported murders and the city's population, Longview has one of the higher murder rates in the nation.
Property Crime: A significant contributor to Longview's overall crime rate. Residents face an above-average risk of falling victim to property crimes.

Longview, Texas presents a challenging scenario from a crime perspective. While not among the highest in the nation, its crime rates are troubling, especially when compared to other cities of similar size. Residents of Longview face a higher risk of violent crime, including a notably high murder rate relative to the national average. Property crime also plays a substantial role in Longview's overall crime profile. The risk of becoming a victim of motor vehicle theft, arson, larceny, or burglary is above the average for the U.S., further emphasizing the need for community and law enforcement collaboration to address these challenges.

Choice of 6 insurance coverage in Longview, TX.

Mold Remediation Coverage:

What it is: Covers costs related to mold removal and repair.

Why it's needed: Mold can lead to health problems and structural damage. Mobile homes, especially in humid areas, may be vulnerable.

Regular Wear and Tear:

What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time.

Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.

Solar Energy System Coverage:

What it is: Protection for homeowners with solar energy systems, like panels.

Why it's needed: Solar systems can be costly to install and repair, so this ensures they're protected.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

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.

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.

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:

  • Once a "real property election" for a manufactured home is completed, the home is deemed as real property.
  • This status remains unless the home is moved, the election changes, or the property's use alters.
  • Once a statement of ownership and location is given by the department, it's final. Changes can only be made if all parties agree, or specific procedures are followed.
  • If taking responsibility for a Statement of Ownership, ensure all housing department steps are followed, including necessary notifications.

According to the Texas Underwriting Manual TX: 12.24:

  • 12.24.3: Any manufactured housing unit on the property isn't included in the land described in this commitment or policy.
  • 12.24.4: Upon a lender's request and payment as specified in R-11(e), the T-31 and/or T-31.1 Endorsements can be issued; T-31.1 can be given to both the owner and the lender.

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:

  • A site-built addition attached to a mobile home will rate as part of the mobile home.
  • A building certification from the Texas Department of Insurance is required for the site-built addition.
  • Separate structures (not physically attached to the mobile home) are not eligible for insurance under the T.W.I.A. Dwelling Policy with Form No. TWIA411, Conversion to TWIA Manufactured Home Policy attached to the policy. Refer to eligibility requirements for insurance under the Association’s Dwelling Policy.

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:

  • 1. The following deductibles are mandatory under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy. a. Homes located inland of the Intracoastal Canal: 1% of limit of liability with a $250 minimum (TWIA Form No. 570) b. Homes located seaward of the Intracoastal Canal: 2% of the limit of liability with a $250 minimum (TWIA Form No. 575)
  • 2. Deductibles apply separately to the home and household goods items on the policy.

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

Know Your Rights

Even though it's not a legal requirement in Texas, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Texas:

Important Endorsements in Texas:

Endorsement (T-31.1)

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.

Sinkhole Endorsement:

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 Longview, TX

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

Gum Springs RV Trailer Park

Location: 11301 Fm 968 W, Longview, TX 75602
Community Features: All-ages
community, 45 sites, pet-friendly (with community approval), off-street parking, paved streets, no age restrictions.
Year Built: 1980
Amenities: Average street width, 70% RV sites, 90% homes with peaked roofs, 70% homes with lap siding.
Distance: 2.4 miles to water, 2 miles to parks.

Oak Grove Acres Mh Park

Location: 705 Delia Dr, Longview, TX 75601
Community Features: All-ages community, 33 sites, pet-friendly, sidewalks, wide streets, no age restrictions.
Year Built: 1970
Amenities: 10% homes with peaked roofs, 10% homes with lap siding, 1.1 miles to water, 2 miles to parks.
Contact Name: Christie Renfro

Big Oak Park

Location: 3300 Lansing Switch Rd, Longview, TX 75602
Community Features: All-ages community, 253 sites, pet-friendly (under 30 pounds), off-street parking, playground, swimming pool, paved streets, no age restrictions.
Year Built: 1981
Amenities: Average street width, 25% multisection homes, 50% homes with peaked roofs, 50% homes with lap siding, 2.6 miles to water, 3 miles to parks.
Contact Name: Aj Wellington

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

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

Reasoning: Tornadoes are a concern in East Texas. This endorsement offers coverage for the construction or use of tornado shelters for your mobile home.

Reasoning: Longview has beautiful lakes. This endorsement offers discounts for RV parks or sites located lakeside or with waterfront views.

Reasoning: Active participation in local community watch programs enhances security. This endorsement offers discounts or coverage enhancements for residents who participate in community watch programs in Longview.

Reasoning: Porches and decks are popular additions. This coverage provides protection for the construction, repair, or replacement of extended porches and decks attached to your mobile home.

Reasoning: The Piney Woods region offers outdoor exploration. This coverage provides specialized liability protection for accidents or injuries related to outdoor activities in the Piney Woods area.

Reasoning: If you have an older RV, this endorsement offers extended warranty coverage to protect against unexpected repairs or breakdowns.

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

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