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

Welcome to Lubbock, Texas -the hub city amidst the vast West Texas Plains! Situated amidst the sprawling plains of West Texas, Lubbock emerges as an oasis of culture, history, and vibrant Texan spirit. Known affectionately as the "Hub City" due to its pivotal role in the region's economy and infrastructure, Lubbock is an intriguing juxtaposition of rustic charm and urban sophistication, echoing tales of the frontier days while embracing the dynamism of modern times.

Lubbock's narrative is intertwined with the rugged spirit of the frontier. Founded in 1890 and named after Texas Ranger Thomas S. Lubbock, the city's growth was spurred by the merger of two smaller towns, Old Lubbock and Monterey. Lubbock's establishment as a county seat and its connection to the railroad fueled its development. Over the decades, it transformed from a quiet ranching town into a bustling center of commerce, education, and culture.

Lubbock stands as the economic, educational, and cultural epicenter of the South Plains. As home to Texas Tech University, the city not only attracts a diverse student body but also serves as a hub for research, innovation, and collegiate athletics. The agricultural and healthcare sectors further underscore its importance in the broader West Texas region.

Attractions & Natural Beauty: National Ranching Heritage Center: A testament to Lubbock's deep-rooted ranching history, this museum offers a glimpse into the life of early settlers through historic structures and exhibits. Buddy Holly Center: Paying homage to Lubbock's most famous son, this center celebrates the life and legacy of rock 'n' roll legend Buddy Holly.

Lubbock Lake Landmark: An archaeological site that chronicles the region's history over the past 12,000 years, offering a unique perspective into the area's ancient inhabitants.
Wind Power Center: Reflecting Lubbock's commitment to renewable energy, this museum showcases the evolution of windmills and their significance in West Texas.
Joyland Amusement Park: A fun-filled destination for families, offering a plethora of rides and attractions.
The Llano Estacado: Known as the "Staked Plains", this vast and breathtaking landscape surrounds Lubbock, characterized by its flatness and stark beauty.

Best Things to Do: Explore the Texas Tech University campus, especially during a Red Raider football game. Experience First Friday Art Trail, a monthly showcase of local art and culture. Sip on locally produced wines at the Llano Estacado Winery and McPherson Cellars. Visit the Prairie Dog Town, a unique attraction dedicated to these charming creatures of the plains.

Lesser Known Facts: Lubbock is known as the "City of Murals" due to the array of stunning wall murals scattered across the town. The city claims to have the largest contiguous cotton-growing region in the world. Lubbock experiences a rare meteorological phenomenon known as "Lubbock Lights," a series of unidentified flying object sightings in 1951.

In essence, Lubbock is a city that wears its history with pride, yet constantly looks ahead. Its charm lies in its ability to balance the tranquility of the plains with the bustling energy of a modern urban center. Whether you're drawn to its musical legacy, its academic vigor, or the allure of the endless horizon, Lubbock invites you to discover the heart and soul of West 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 Lubbock, TX.

Weather Risks:

Mobile home owners, due to the nature of their structures, are more vulnerable to certain weather-related risks than traditional homeowners. In Lubbock, Texas, there are specific weather concerns that mobile homeowners should prioritize in terms of preparation and safety. Here are the top three most important weather risks:

Tornadoes and Severe Wind Events:

Tornadoes are nature's most violent storms, appearing suddenly without warning and sometimes remaining invisible until picking up dust and debris or forming a funnel cloud. Lubbock's location in Texas makes it a hotspot for tornadoes, especially between March and August. In addition to tornadoes, Lubbock is exposed to other severe wind events. With 96,127 properties at risk within the next 30 years, wind events can easily overturn or significantly damage mobile homes.

Safety Precautions for Mobile Home Owners:

Always monitor local weather forecasts and have a reliable source of alerts.
When a tornado watch is issued, prepare to seek shelter immediately.
At the onset of a tornado warning or if a tornado is sighted nearby, evacuate the mobile home immediately and seek a safer shelter, like a building with a strong foundation or a designated community storm shelter.
Avoid seeking shelter under overpasses or bridges.


Wildfires can spread rapidly, consuming vegetation, structures, and anything else in their path. With 31,432 properties in Lubbock at risk over the next 30 years, mobile homes are especially vulnerable due to their construction materials and often remote locations.

Safety Precautions for Mobile Home Owners:

Maintain a defensible space around your property by clearing dead vegetation and other flammable materials.
Ensure your home has working smoke alarms and keep an emergency evacuation kit ready.
Always heed evacuation orders from local authorities.
Have a clear evacuation route planned and practice it with family members.
Stay updated on local news or listen to emergency channels to be informed of the fire's progression.

Extreme Cold/Winter Storms

Lubbock, like much of Texas, experiences varying degrees of winter weather. This can range from subfreezing temperatures to heavy snow or even ice storms. For mobile home owners, these conditions can pose risks in terms of heating, pipe freezing, and structural damage.

Safety Precautions for Mobile Home Owners:

Ensure that the home is well-insulated to maintain warmth during cold snaps. Use safe heating sources, avoiding flammable materials and ensuring proper ventilation to prevent carbon monoxide poisoning. Keep a stock of extra blankets, warm clothing, and an emergency kit in case of power outages. Ensure pipes are insulated to prevent them from freezing and bursting. Monitor local weather reports for upcoming winter weather and heed any warnings or advisories.

Recommended Neighborhoods in Lubbock, TX.

Property Crime Rates in Lubbock, TX.

Lubbock, Texas, stands out in crime statistics, not just in Texas, but on a national scale. Its crime rate presents a serious concern for residents and potential visitors. To grasp the full scope, a detailed examination is required.

Lubbock, with its crime rate of 49 crimes per one thousand residents, is significantly higher than the national average, ranking it among cities with one of the highest crime rates in America.
This places the chance of becoming a victim of either violent or property crime in Lubbock at one in 20.
Within the state of Texas, Lubbock's crime rate is higher than over 98% of other communities.
Lubbock could even be among the top 100 most dangerous cities in the U.S.
When matched against other cities with a comparable population size, Lubbock's crime rate is notably higher.

Violent Crime Analysis:

Violent crime in Lubbock is alarmingly high. Among cities of all sizes, both large and small, Lubbock's violent crime rate is among the highest. The tracked violent offenses include rape, murder, non-negligent manslaughter, armed robbery, and aggravated assault. Residents have a one in 92 chance of becoming a victim of violent crime. Furthermore, Lubbock's murder rate is disturbingly high on a national scale, setting it apart from cities of all sizes.

Property Crime Analysis:

Property crime in Lubbock is a major concern, with incidents far exceeding the national average.
Crimes analyzed under this category include burglary, larceny over fifty dollars, motor vehicle theft, and arson.
A resident of Lubbock faces a one in 26 chance of being a victim of property crime, translating to a rate of 39 per one thousand residents.
Lubbock's motor vehicle theft rate is among the highest in the country, regardless of city size.
The likelihood of a vehicle being stolen in Lubbock is one in 240.

Lubbock's crime statistics paint a concerning picture, with both violent and property crime rates significantly surpassing national averages. For residents and potential visitors, these numbers underscore the need for heightened awareness and precaution. The city's notably high motor vehicle theft rate further emphasizes the challenges faced by the local community.

Choice of 6 insurance coverage in Lubbock, TX.

Discounts and Bundling Options:

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Review and Compare Policies:

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

Check Availability of all Applicable Discounts:

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

Review the Claims Process:

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

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 Lubbock, TX

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

Hindman Ready Built Homes

Offers high-quality custom and ready-built homes
Provides foundation work and site preparation services
Offers both ready-built homes and on-site custom homes
Ready-built homes prices start as low as $0 within 100 miles of Lubbock

New Deal Mobile Home Community

Located in Lubbock, TX
Offers homes for sale and a Rent Credit Program for homeownership
Rent Credit Program credits rent payments towards the purchase price
Provides a pathway to homeownership within a defined term

The Edge

Luxury student apartments located near Texas Tech University
Offers fully equipped kitchens and designer furniture
Provides a vibrant living experience close to local amenities
Located in the heart of Lubbock with access to dining, shopping, and campus

Westgate Manufactured Home Community

A friendly mobile home park with easy access to Texas Tech and Lubbock Medical district
Offers 64 sites and a community atmosphere
Provides proximity to local attractions and amenities
Offers year-round living and affordable rates starting at $255/month

Lone Star Community

Family-oriented manufactured housing and RV community in Lubbock
Offers spacious lots, access to the Roosevelt School District, and a safe community
Supports neighbors in need and promotes community engagement
Provides amenities and services for residents, including landscaping and emergency support

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

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

  • What it covers: This insurance provides broad protection for your mobile home, safeguarding it from risks like fire, theft, vandalism, hail, and other weather-related damages.

  • Why it’s essential for Lubbock: With Lubbock’s higher crime rates and the potential for severe weather events like hailstorms, comprehensive coverage ensures that the main structure of your mobile home remains protected from most unforeseen incidents.

  • What it covers: It protects the contents of your mobile home or RV – from electronics and appliances to clothing and jewelry.

  • Why it’s essential for Lubbock: Given Lubbock’s heightened crime rates, there’s an increased risk of theft. This coverage ensures that the personal items inside your mobile home or RV are safeguarded against theft, vandalism, and even damage from specific disasters.

  • What it covers: These are additional coverages tailored to protect against specific weather events, like hail protection, flood insurance, or windstorm coverage.

  • Why it’s essential for Lubbock: Lubbock can be susceptible to severe weather events, especially hailstorms. Enhancing your policy with specific weather-related coverages can provide extra peace of mind and protection.

  • What it covers: This is specific to RV owners. It provides coverage when your RV is parked and you’re using it on a trip, protecting you from liabilities if someone is injured around or within your RV.

  • Why it’s essential for Lubbock: Vacation spots or areas where RVs are parked for recreational use may have varied terrains and unfamiliar environments, increasing the risk of accidents or injuries.

  • What it covers: Offers help in case of breakdowns or emergencies on the road, including towing, flat tire changes, battery jump starts, and more.

  • Why it’s essential for Lubbock: Given Lubbock’s location and the vast expanses of Texas, having breakdown coverage ensures you’re never left stranded, especially in areas where help might not be immediately accessible.

  • What it covers: In the event that your RV is declared a total loss, this coverage either replaces your RV with a new one or reimburses you for your RV’s original purchase price.

  • Why it’s essential for Lubbock: Considering Lubbock’s heightened risks, both from crime and weather, there’s a possibility, though unfortunate, of total loss. This coverage ensures that in such an event, the financial setback is significantly minimized.

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