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Protect Your Manufactured Home in New Braunfels, 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 New Braunfels, TX: Costs, Coverage, and Considerations

Welcome to New Braunfels, Texas - a charming city that effortlessly blends its rich German heritage with stunning natural landscapes and idiosyncratic touches that make it truly unique. Nestled between San Antonio and Austin, New Braunfels serves not only as a tranquil escape but also as a cultural mosaic where the past and present harmoniously converge.

Founded in 1845 by German settlers, New Braunfels holds tightly to its cultural roots, something vividly reflected in its architecture, community events, and even street names. The Sophienburg Museum and Archives stand as a cornerstone of this heritage, offering a treasure trove of artifacts and narratives that detail the city's Germanic origins. The traditional German Wurstfest, a 10-day celebration filled with music, dancing, and, of course, sausage, is another quintessential event that pays homage to its founders and attracts visitors from all over.

Yet, the historical allure of New Braunfels is far from its only selling point; the city is equally celebrated for its natural attractions. The Comal and Guadalupe Rivers offer an irresistible call to outdoor enthusiasts, providing opportunities for tubing, kayaking, and fishing. The Landa Park, with its sprawling 51 acres, features a spring-fed swimming pool, hiking trails, and paddle-boat rentals, making it a perfect family outing spot. Notably, the Comal River holds the title of the shortest navigable river in the United States, a quirky but endearing fact that locals love to share with visitors.

Equally captivating is the Natural Bridge Caverns, one of the largest commercial cave systems in Texas. The caverns provide not just a geological marvel but also a fascinating historical tale. They were discovered in 1960 by four college students from St. Mary's University, thereby adding another layer to the multifaceted narrative of the city.

Community life in New Braunfels extends beyond festivals and parks. Local markets, such as the New Braunfels Farmers Market, offer a blend of fresh produce, handmade crafts, and live music, fostering a sense of community and local sustainability. When it comes to culinary experiences, New Braunfels doesn’t disappoint. While you'll find a generous sprinkling of German bakeries and beer gardens, the city also offers a diverse range of culinary options that reflect its evolving cultural landscape. Here's a surprising tidbit: The city is home to Naegelin's Bakery, the oldest continuously operating bakery in Texas, having opened its doors in 1868.

Adding to the city's list of intriguing and lesser-known facts is its “Doll House” museum, a quaint establishment that houses over 300 dolls from various eras and regions. This unusual museum stands as a testament to New Braunfels' dedication to preserving all aspects of cultural and historical significance, no matter how offbeat they may seem.

From its rich German heritage to its stunning natural attractions, from its strong sense of community to its quirky and obscure facts, New Braunfels is a city that captivates the hearts of those who experience it. Whether you are drawn by its unique history, enchanted by its natural beauty, or intrigued by its idiosyncrasies, New Braunfels invites you to become a part of its continuously unfolding story. Come explore this Texas gem where the legacy of the past enriches the present, and little-known facts add unexpected colors to an already vibrant tapestry.

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 New Braunfels, TX.

Weather Risks:

Tornado Risk:

Description: New Braunfels has a tornado index of 154.90, which is higher than the U.S. average but lower than the Texas average.
Implications for Mobile/Manufactured Homeowners: Mobile homes are especially vulnerable to tornadoes. Risk of injury, loss of life, and property damage. Residents should have a secure location to take shelter during tornado warnings.

Extreme Heat Risk:

Description: New Braunfels faces a "severe" heat risk with all homes having a severe to extreme heat liability rating. The likelihood of experiencing a 3-day or longer heat wave, defined as days with “feels like” temperatures at or above 108ºF, has increased.
Implications for Mobile/Manufactured Homeowners: Mobile homes can heat up quickly, posing health risks to occupants. Structural damages from prolonged heat exposure. Increased energy bills due to high air conditioning use.

Flooding Risk:

Description: 3,476 properties in New Braunfels are likely to be severely affected by flooding over the next 30 years.
Implications for Mobile/Manufactured Homeowners: Risk of water damage, mold, and related hazards. Property devaluation in recurrently flooded zones. Higher insurance premiums or possible coverage denial.

Recommended Neighborhoods in New Braunfels, TX.

Property Crime Rates in New Braunfels, TX.


Overall Crime Rate: 15 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 67

Comparison with Texas and the U.S.

State Comparison: New Braunfels's crime rate is higher than approximately 64% of Texas communities.
National Comparison: The crime rate in New Braunfels is higher than the national average but not among the very highest in the U.S.
Similar Sized Communities: New Braunfels'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 403
Tracked Violent Crimes: Armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: Rate: 12
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.
Chance of becoming a victim: 1 in 81

Key Points

Relative Safety: Despite a higher-than-average crime rate in comparison to the nation, New Braunfels is safer than many cities of similar size.
Violent Crime: The violent crime rate in New Braunfels is higher than that of most U.S. communities, regardless of size.
Property Crime: Property crime rates in New Braunfels are above the national average, with residents having a slightly increased risk of being victims.

While New Braunfels might have crime rates that are concerning relative to the national and state averages, its standing improves when compared to cities of a similar population size. This context suggests that residents of New Braunfels enjoy a level of safety that's better than many cities of equivalent size. However, vigilance and proactive measures can help improve safety even further.

Choice of 6 insurance coverage in New Braunfels, TX.

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.

Golf Cart Coverage:

What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.

Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.

Enhanced Roof Replacement:

What it is: Offers extra funds to replace roofs with eco-friendly materials.

Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.

Animal Liability:

What it is: Covers liabilities if a pet injures someone or causes property damage.

Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.

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.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

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 New Braunfels, TX

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

Lakeside RV Park

Location: 1670 Arndt Road, New Braunfels, Texas 78130
Amenities: Lakeside RV Park is situated on Lake Dunlap, connected to the Guadalupe River, offering easy access for swimming, boating, and fishing. The park provides clean restrooms with showers, a laundry room, and a dog run. It's known for its peaceful and quiet atmosphere, as well as safety and security. The community values family, life, and nature, and it's spacious to avoid overcrowding.

Comal Valley Mobile Home Park

Location: 3824 FM482, New Braunfels, TX 78132
Community Amenities: Comal Valley Mobile Home Park is a quiet neighborhood with 26 single-wide lots, offering immediate access to I-35. Residents are proud homeowners, paying less monthly rent than the average two-bedroom apartment in New Braunfels. Lot rent includes water and sewer utilities based on exact usage, while electric is paid directly to the city. The park is conveniently located near local schools, entertainment, shopping, and hospitals/ER.

Lighthouse Mobile Home Park

Location: 5078 FM482, New Braunfels, TX 78132
Community Amenities: Lighthouse Mobile Home Park is one of the largest communities in New Braunfels, with over 90 lots, including some double-wide lots. Lot rent at Lighthouse is less than half the average two-bedroom apartment rent in New Braunfels. The park offers a variety of homes for sale and provides 3rd party financing options. It's conveniently located near schools, entertainment, shopping, hospitals/ER, and eateries.

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

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

Reasoning: New Braunfels is near the Guadalupe River, making flood protection essential. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: The Comal River offers recreational activities. This coverage provides specialized protection for your RV and belongings during Comal River adventures.

Reasoning: Schlitterbahn Waterpark is a local attraction. This endorsement offers discounts for mobile homes located near or with a view of the waterpark.

Reasoning: Hailstorms can be frequent in the Texas Hill Country. This coverage ensures your mobile home is protected from hail damage common in the region.

Reasoning: Gruene Historic District is nearby. This endorsement provides discounts for RVs located within or near this historic district.

Reasoning: There are wildlife sanctuaries nearby. This coverage provides specialized liability protection for accidents or injuries related to visits to local wildlife sanctuaries.

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