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Protect Your Manufactured Home in Missouri City, TX.

Covertree’s Comprehensive Guide.

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

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

Welcome to Missouri City, Texas - A Haven of Suburban Elegance, Natural Scenery, and Community Harmony

Step into Missouri City, where the beauty of suburban elegance intertwines with pockets of natural scenery and a thriving sense of community. Located in the southeastern part of the state near Houston, Missouri City is more than just a residential haven; it’s a city that celebrates its diversity, champions its history, and nurtures its green spaces.

The roots of Missouri City date back to the late 19th century when it was founded as a commuter town on the rail line between Houston and Galveston. While it has grown substantially since its early days, the city preserves its history through landmarks like the DeWalt Heritage Center, which brings to life the story of Missouri City's transformation from a farming community to a modern suburban city.

But Missouri City is not just about preserving the past; it’s also about embracing the beauty of the present moment, especially when it comes to nature. The Buffalo Run Park is a magnificent display of the city’s commitment to the environment, offering fishing docks, hiking trails, and bird-watching opportunities. Similarly, Kitty Hollow Park features lush landscapes, a serene lake, and numerous recreational amenities, inviting residents to immerse themselves in the beauty of the outdoors.

Community events and gatherings are an integral part of life in Missouri City. The annual Snowfest Festival, complete with a parade and fireworks, heralds the winter holidays and brings the community together in a spirited celebration. Cultural diversity is also celebrated in events like the Community Night Out and various cultural fairs, reflecting the city’s rich ethnic mosaic. On the culinary front, Missouri City offers a plethora of choices to satisfy any appetite. From Texan BBQ joints to international cuisines, the city’s food scene is as diverse as its population. This culinary variety is not just a feast for the palate but also a testament to the city’s inclusivity and cultural richness.

A lesser-known but significant aspect of Missouri City is its commitment to education and the arts. The city hosts an array of educational programs and activities, supported by a strong network of public and private schools. Arts and culture find a place too, with various galleries, theater productions, and concerts happening throughout the year. From its rich history to its natural parks, from its community spirit to its gastronomic delights, Missouri City stands as a well-rounded community that has something for everyone. Whether you're drawn by its historical roots, enchanted by its natural sanctuaries, or invigorated by its community-centric activities, Missouri City offers a balanced and enriching lifestyle. Come explore this Texas gem, where each facet contributes to a mosaic of suburban grace, natural wonder, and community harmony.

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 Missouri City, TX.

Weather Risks:

Extreme Heat:

Description: Missouri City has an "extreme" heat risk, with all homes having an extreme heat liability.
Implications for Mobile/Manufactured Homeowners: Possible structural damage from extended heat exposure. Health risks due to high temperatures, especially for vulnerable populations. Elevated energy bills from increased air conditioning use.

Flooding Risk:

Description: 14,265 properties in Missouri City are likely to be severely affected by flooding over the next 30 years.
Implications for Mobile/Manufactured Homeowners: Potential property damage from water, mold, and associated hazards. Decreased property value in areas repeatedly affected by floods. Elevated insurance premiums or possible denial of coverage.

Wildfire Risk:

Description: 11,640 properties in Missouri City are at risk of being affected by a wildfire within the next 30 years.
Implications for Mobile/Manufactured Homeowners: Risk of property damage or loss from wildfires. Health hazards from smoke and compromised air quality. Increased insurance premiums in wildfire-prone areas.

Recommended Neighborhoods in Missouri City, TX.

Property Crime Rates in Missouri City, TX.


Overall Crime Rate: 11 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 87

Comparison with Texas and the U.S.

State Comparison: Missouri City's crime rate is lower than approximately 48% of Texas communities.
National Comparison: Missouri City's crime rate aligns with the average across U.S. cities and towns.
Similar Sized Communities: Missouri City's crime rate is noticeably lower than average for communities of its size, making it safer than most in this category.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: 2
Chance of becoming a victim: 1 in 629
Tracked Violent Crimes: Armed robbery, aggravated assault, rape (excluding statutory rape), and non-negligent manslaughter.
Property Crime Rate: Rate: 10
Tracked Property Crimes: Burglary, larceny (valuations of $50 or more), grand theft auto, and arson.

Key Points

Relative Safety: For cities of its size, Missouri City is relatively safe in comparison with other U.S. cities.
Violent Crime: The violent crime rate in Missouri City closely matches the national average.
Property Crime: Property crimes in Missouri City align with the average rate for U.S. cities and towns of all population sizes.

Missouri City's crime statistics paint a reassuring picture for residents, especially when compared to other similarly sized cities. The city's crime rates for both violent and property crimes are in line with national averages, making it a comparatively safer option within its size category. As always, residents should remain vigilant and aware to ensure ongoing safety.

Choice of 6 insurance coverage in Missouri City, TX.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

Sinkhole Coverage:

What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock.

Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.

Earthquake Coverage:

What it is: Offers protection against damages from seismic activities such as earthquakes and tremors.

Why it's needed: Standard policies usually exclude earthquake damage. It's vital in earthquake-prone regions.

Windstorm and Hail Coverage:

What it is: Protects against damages from windstorms and hail.

Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.

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.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

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 Missouri City, TX

If you're in the market for a mobile or manufactured home in Missouri City, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Missouri City.

Murphy Mobile Home Park

Location: 12707 Murphy Rd, Stafford, TX 77477
Community Features: All-ages community, 60 sites, pet-friendly (community approval required), average street width, paved streets.
Year Built: 1970

Quality RV Resorts (Houston)

Quality RV Resorts offers a range of RV resorts in Houston. Some of them include: Westlake RV Resort (West Houston) Southlake RV Resort (South Houston) Northlake RV Resort (North Houston) Lakeview RV Resort (South Houston) Highway 6 RV Resort (West Houston) Fallbrook RV Resort (North Houston) Eastlake RV Resort (East Houston) AllStar RV Resort (Southwest Houston)
These resorts offer various amenities like high-speed Wi-Fi, exercise equipment, showers, restrooms, swimming pools, and are pet-friendly. They cater to both short and long-term RV stays and aim to provide a blend of modern amenities and a welcoming community.

Fountainhead Mobile Home Villa

Location: 509 Brand Lane, Stafford, TX 77477
Community Features: This community offers high-quality manufactured homes with amenities like updated kitchens, plush carpets, faux hardwood floors, walk-in closets, off-street parking, and private parking outside your door. It's designed for comfortable living in Stafford.

Please note that while Murphy Mobile Home Park is an all-ages community, Quality RV Resorts and Fountainhead Mobile Home Villa appear to offer RV and manufactured home accommodations in the Houston area. These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities around Missouri City, TX. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Missouri City, TX

It's essential to compare quotes from various insurance providers and work with local agencies that understand Missouri City's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

These are some things you should look out for in an insurance plan for Missouri City:

Reasoning: Missouri City has golf courses. This endorsement offers discounts for mobile homes located near or with a view of golf courses.

Reasoning: The Brazos River runs through Missouri City, offering outdoor activities. This coverage provides specialized protection for your RV and belongings during Brazos River adventures.

Reasoning: Upgrading to energy-efficient windows can reduce utility costs. This coverage provides protection for the installation of energy-efficient windows in your mobile home.

Reasoning: Extended carports provide additional protection for vehicles. This coverage offers protection for the construction, repair, or replacement of extended carports attached to your mobile home.

Reasoning: Missouri City has an art and culture district. This endorsement provides discounts for RVs located within or near this district.

Reasoning: Severe weather can be a concern. This coverage offers protection for the construction or use of storm shelters for your RV.

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