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Protecting Your Manufactured Home in Mesquite TX.

Covertree’s Comprehensive Guide!

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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 Mesquite, TX: Costs, Coverage, and Considerations

Welcome to Mesquite, Texas -the rodeo capital amidst the metroplex! Set against the sprawling backdrop of the Dallas-Fort Worth Metroplex, Mesquite is more than just a satellite city; it's a beacon of Texan tradition, an emblem of community pride, and a testament to the harmonious blending of urban energy with rustic charm. Famously dubbed the "Rodeo Capital of Texas," Mesquite showcases a rhythm that's uniquely its own, offering both the allure of city life and the tranquility of its countryside origins.

The rich tapestry of Mesquite's history can be traced back to the mid-19th century when the Texas & Pacific Railway created a depot in the region. This sparked the establishment of a community that rapidly transitioned from an agrarian economy, based on cotton and hay production, to a flourishing urban enclave by the mid-20th century. Mesquite's growth, while influenced by its proximity to Dallas, is also rooted in its independent spirit and resilience.
Mesquite's significance in the Dallas-Fort Worth area is multifaceted. While its rodeo heritage offers a slice of authentic Texan culture, its strategic location has made it a hub for commerce, education, and recreation. With a blend of historic neighborhoods and modern infrastructure, the city beautifully juxtaposes its rich past with contemporary dynamism.

Attractions & Natural Beauty: Mesquite Championship Rodeo: At the heart of Mesquite's identity, this rodeo, operational since 1958, provides a thrilling experience of authentic Texan cowboy traditions, from bull riding to barrel racing. Historic Downtown Mesquite: A reflection of the city's storied past, the downtown area, with its charming boutiques and eateries, exudes an old-world charm that's both nostalgic and vibrant. Opal Lawrence Historical Park: A window into 19th-century Texas, this park beautifully preserves the Lawrence family estate, providing insights into early settler life in Mesquite. City Lake Park: A testament to Mesquite's natural beauty, this park is an oasis of relaxation with its picturesque lake, fishing pier, and walking trails.

Best Things to Do Attend the annual Real. Texas. Festival., a celebration of Mesquite's heritage with music, food, and, of course, rodeo events. Explore the myriad shopping avenues, especially Town East Mall, a major retail hub. Immerse yourself in local arts at the Mesquite Arts Center, which hosts regular performances, exhibitions, and workshops. Tee off at the Mesquite Golf Club, an 18-hole course set against the serene backdrop of the city's landscapes.

Little Known Facts: Mesquite was named after Mesquite Creek, which itself was named for the abundant mesquite trees in the area. The city is home to the Mesquite Tower, a 190-foot tall structure, which is not just a communications tower but also a striking lighted landmark that's especially captivating at night. Mesquite holds the unique distinction of enforcing a mandatory helmet law for motorcyclists long before the state of Texas passed a similar law.

Mesquite is a city that resonates with tales of cowboys and pioneers, yet stands firmly in the present, echoing the aspirations and dynamism of modern Texas. Whether drawn by the allure of the rodeo, its historic heart, or the serene landscapes, visitors to Mesquite are guaranteed an experience that’s as rich as it is varied, making it a must-visit gem in the crown of the Lone Star State.

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 Mesquite, TX.

Weather Risks:

Extreme Temperature Risks

Heat Vulnerability:
Forecast: By 2050, Mesquite is expected to endure around 38 days annually with temperatures rising above 101.4ºF.

Implications for Mobile Homes:
Extreme heat can exacerbate wear and tear on a mobile home's exterior. Furthermore, high temperatures can strain air conditioning units, which, if malfunctioning, can lead to internal heat-related damages.

Preventative Measures:
Consider installing reflective or light-colored roofing, ensure adequate insulation, and maintain your cooling systems.

Winter Extremes:
Potential Threats: Though Mesquite doesn't face extreme winter conditions as frequently as northern regions, unexpected cold snaps can happen.

Implications for Mobile Homes:
Plumbing in mobile homes is often more exposed and vulnerable to freezing. Frozen pipes can burst and lead to water damage.

Preventative Measures:
Properly insulate pipes and consider heat tape for vulnerable areas. Also, ensure your home heating system is adequately maintained.

Water-Related Hazards

Drought Conditions:
Historical Data: Since 2000, 59% of weeks had some level of drought. This could affect the stability of the ground on which a mobile home is placed.

Implications for Mobile Homes:
Drought can lead to soil contraction, which might affect the foundational stability of mobile homes.

Preventative Measures:
Ensure your mobile home is anchored securely and check regularly for foundational shifts. Landscaping with drought-resistant plants can also help maintain soil stability.

Flooding: Exposure Level: About 11% of structures in Mesquite are at flood risk. Flash floods can occur, posing a significant threat to mobile homes.

Implications for Mobile Homes:
They are particularly susceptible to flood damage, even from minor flooding.

Preventative Measures:
If possible, elevate your mobile home above the expected flood levels. Regularly check and maintain skirting vents to allow water to flow out in case of minor flooding.

Atmospheric and Elemental Threats

Fire Exposure:
Risk Level: Approximately 64% of structures, including mobile homes, are at wildfire risk. Dry conditions and drought can exacerbate this threat.

Implications for Mobile Homes:
They can be quickly consumed by fires, and embers can easily penetrate vents or windows.

Preventative Measures:
Create a defensible space around your home by clearing flammable vegetation. Use fire-resistant materials for skirting and consider mesh screens for vents.

Severe Storms & Tornadoes: Frequency: Mesquite faces severe storms, especially between April to June. Texas, on average, witnesses 125 tornadoes annually.

Implications for Mobile Homes:
They are notably vulnerable to high winds from both severe thunderstorms and tornadoes. Damage can range from broken windows to complete destruction.

Preventative Measures:
Ensure your mobile home is anchored correctly to its foundation. Consider building or investing in a storm shelter or identifying a secure location to move to during severe weather alerts.

Recommended Neighborhoods in Mesquite, TX.

Property Crime Rates in Mesquite, TX.

Mesquite, situated in Texas, has garnered attention for its crime metrics, particularly in the realm of property crimes. With a crime rate of 37 per 1,000 residents, Mesquite stands out as having one of the higher crime rates in the country, touching every echelon of community size.
Specifically, the chance of encountering property crime in Mesquite is as high as one in 31, putting it on a higher spectrum compared to many American cities.

Here's a deeper dive into the property crime landscape in Mesquite:


Mesquite, like many urban areas, is vulnerable to burglary incidents. Whether it's residential homes, commercial establishments, or other properties, they all stand at risk. The importance of securing properties with advanced locking systems and security measures cannot be overstated.


Larceny crimes in Mesquite involve thefts where the stolen property values at $50 or more. While the city's rate is high, residents can diminish their risks by avoiding leaving valuables in plain sight, especially in vehicles, and by being vigilant in public areas.

Motor Vehicle Theft:

A particularly alarming statistic is Mesquite's rate of motor vehicle theft. According to FBI crime data, Mesquite ranks notably high nationally in this domain. Residents face a one in 182 chance of having their vehicle stolen. Adopting preventive measures, like always locking vehicles, parking in well-lit areas, and installing anti-theft devices, becomes crucial in such a landscape.


While not mentioned in great detail in the provided data, arson remains a concerning property crime. It involves the deliberate act of setting fires to properties, potentially causing extensive damage and endangering lives.

While the overall crime portrait of Mesquite, especially concerning property crimes, might seem daunting, it's crucial for residents to remember the power of community vigilance and proactive measures. Neighborhood watches, community policing, and public awareness campaigns can play a pivotal role in curbing these statistics. Also, understanding the nature of these crimes and equipping oneself with preventive strategies can significantly mitigate personal risks.

Choice of 6 insurance coverage in Mesquite, 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.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

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.

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.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

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.

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 Mesquite, TX

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

Mesquite Ridge

Conveniently located off of I-20 for easy commute in and out of Dallas
Offers clubhouse and playground
Hours: M-F: 9am-6pm, Sat: 10am-2pm, Sun: Appt Only
Address: 14222 Lasater Road, Dallas, TX 75253
Contact: (972) 222-2624

Mesquite Meadows

Quiet country setting with close proximity to I-20 and downtown Dallas
Features playground, clubhouse, and picnic area
Hours: M-F: 9am-6pm, Sat: 10am-2pm, Sun: Appt Only
Address: 14647 Lasater Road, Dallas, TX 75253
Contact: (972) 222-2624

Mesquite Greens

Minutes away from dining, shopping, and entertainment
Offers a pool and resident planned activities and events
Hours: M-F: 9am-6pm, Sat: 10am-2pm, Sun: Appt Only
Address: 1322 S BELT LINE RD, DALLAS, TX 75253
Contact: (972) 286-1221

Happy Park

Conveniently located in the center of Balch Springs
Quick access to 635 and local amenities
Undergoing improvements to become a great community
Offers amenities like a playground and basketball court
Address: 3008 Balch Springs Rd., Balch Springs, TX 75180

River Oaks Manufactured Home Community

Peaceful community in Wilmer, Texas Offers 2, 3, and 4 bedroom
manufactured home floorplans for rent or purchase
Features friendly management, community events, and convenient location
Address: 1601 Millers Ferry Road, Wilmer, TX 75172

Palm Harbor Village of Mesquite

Manufactured home retailer in Mesquite
Focuses on customer satisfaction and easy home buying process
Offers online experience for shopping manufactured and modular homes
Address: 4405 I-30, Mesquite, TX 75150 RBI# 02659

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

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