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Protect Your Manufactured Home in North Richland Hills, 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 North Richland Hills, TX: Costs, Coverage, and Considerations

Welcome to North Richland Hills, Texas - a city where the calm of suburban living blends seamlessly with a dedication to community, cultural heritage, and those delightful idiosyncrasies that lend a unique texture to everyday life. Situated in the heart of the Dallas-Fort Worth metroplex, North Richland Hills stands as a prime example of a city that caters to both the comforts of family life and the finer subtleties of culture and history.

Established in the early 1950s, North Richland Hills rapidly grew as a preferred residential area, offering spacious homes and a sense of community that drew families from far and wide. However, it's not just the promise of a serene lifestyle that defines this city; it's also its commitment to preserving the historical gems that tie it to the greater narrative of Texas. The Birdville Historical Society maintains an active presence, chronicling the area's journey from a 19th-century settlement to a 21st-century suburb, enriching the city's identity with layers of historical relevance.

Nature, too, finds a special place in North Richland Hills. The NRH2O Family Water Park stands as a pinnacle of family-friendly outdoor activity, offering everything from adrenaline-pumping water slides to a lazy river that epitomizes the laid-back spirit of the city. Parks like the Richfield Park and Green Valley Community Park provide resplendent green spaces, complete with trails, playgrounds, and sports facilities, inviting young and old to embrace the Texan sun.

In terms of community events, North Richland Hills boasts a calendar filled with engaging activities. The Sounds of Spring Concert Series is a particular highlight, turning the city into a musical haven as local and regional artists perform a variety of genres. These events are not just about entertainment; they serve to bring the community together, reinforcing the bonds that make North Richland Hills a tightly-knit suburb.

The city's culinary landscape is as diverse as its residents, offering an array of choices that range from traditional Texan barbecues to international cuisines like Thai and Mediterranean. An often-overlooked fact about the city is its emerging craft beer scene, with microbreweries and taprooms gaining popularity as gathering spots for locals.

Education and public services in North Richland Hills are equally commendable. The public library, for instance, goes beyond being a mere repository of books. It actively engages with the community through various educational programs, story hours for children, and even a “seed library” that allows patrons to borrow seeds to plant in their gardens—an obscure but heartwarming initiative that speaks to the city’s commitment to sustainable living.

From its commitment to historical preservation to its lovely green spaces, from its community-centric ethos to its diverse culinary offerings, North Richland Hills is a city that offers a slice of the good life without compromising on its unique characteristics. Whether you’re drawn to its peaceful ambiance, captivated by its community spirit, or intrigued by its lesser-known initiatives, North Richland Hills opens its doors to you. Come explore this suburban gem, where the rhythm of family life, the melodies of community, and the harmonies of unique quirks create a beautiful symphony of living.

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 North Richland Hills, TX.

Weather Risks:

Drought Risk:

Description: The area's water stress is currently at 18%, predicted to increase to 26% by 2050.
Implications for Residents: Possible water usage restrictions. Increased prices for water. Impact on local agriculture and landscapes.

Storm Risk:

Description: The average yearly rainfall is projected to slightly decrease by 2050, but the number of extreme storms per year remains the same.
Implications for Residents: Potential property damage. Flash flooding risks, especially in low-lying areas. Mobile/manufactured homes require proper preparation to prevent damages.

Flood Risk:

Description: The flood risk is rated as "relatively low," and FEMA hasn't mapped this area.
Implications for Residents: Although the risk is low, residents should still be aware of potential flood sources like streams, gullies, and creeks. It's important to note that even low-risk areas can experience flooding under the right conditions.

Recommended Neighborhoods in North Richland Hills, TX.

Property Crime Rates in North Richland Hills, TX.


Overall Crime Rate: 25 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 41

Comparison with Texas and the U.S.

State Comparison: North Richland Hills's crime rate is higher than approximately 84% of Texas communities.
National Comparison: The crime rate in North Richland Hills is higher than the national average, though it doesn't rank among the communities with the very highest rates.
Similar Sized Communities: For cities of a comparable size, North Richland Hills's crime rate sits near the average, placing it roughly in the middle of the pack.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: 2
Chance of becoming a victim: 1 in 444
Tracked Violent Crimes: Armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: Rate: 22
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary. Chance of becoming a victim: 1 in 45

Key Points

Relative Safety: Although the crime rate in North Richland Hills is higher than the national and state averages, it's about average when compared to similarly sized cities in the U.S.
Violent Crime: The violent crime rate in North Richland Hills is higher than most communities of all sizes across America.
Property Crime: Residents in North Richland Hills have an above-average risk of falling victim to property crimes compared to the national average.

North Richland Hills has some concerning statistics when viewed in the context of Texas and the U.S. as a whole. However, when compared to cities of similar sizes, its crime rate becomes less alarming. This suggests that while there are certainly areas for improvement in safety and crime prevention, the city's crime rates are somewhat typical for a community of its size. As always, residents should remain vigilant and proactive in their personal safety and in supporting community initiatives aimed at reducing crime.

Choice of 6 insurance coverage in North Richland Hills, TX.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

Weather/Natural Risks:

What it is: Protection against damages from weather events like tornadoes, hurricanes, hail, and more.

Why it's needed: Mobile homes can be especially vulnerable to severe weather events. This coverage offers peace of mind in volatile climates.

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.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

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.

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 North Richland Hills, TX

If you're in the market for a mobile or manufactured home in North Richland Hills, 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 North Richland Hills.

RV Depot

RV Depot is an RV dealership located in Cleburne, Texas. They have been providing financing options for RVs, trailers, 5th wheels, motorhomes, and camper trailers for over 30 years. They offer a wide range of units and claim to provide quick and easy approvals for customers with all credit types.
Address: 4319 N Main St, Cleburne, TX 76033
Phone: (817) 678-5133
Sales Hours: Monday to Saturday (Closed on Sundays)
Service Hours: Monday to Saturday (Closed on Sundays)
RV Depot is known for its RV financing options, low down payments, and willingness to work with customers in various financial situations.

La Casita

La Casita is a manufactured home community located at 7800 Mockingbird Lane in North Richland Hills, Texas. It offers a friendly and well-kept community with owner-occupied homes. The community is centrally located with easy access to schools, shopping malls, restaurants, medical facilities, and DFW airport. It features amenities like a clubhouse, swimming pool, fitness center, and more.
Address: 7800 Mockingbird Lane, North Richland Hills, TX 76180
Phone: (817) 281-4353
La Casita provides a quality living environment for residents and offers various amenities to enhance their quality of life.

Western Campers

Western Campers is a dealership specializing in pop-up campers and Lance truck campers in Fort Worth, Texas. They have a selection of used RVs from various years and models, catering to customers with different preferences and budgets.
Address: Located in Fort Worth, TX Western Campers offers a range of used RVs, including models like Forest River Flagstaff and Lance truck campers.

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

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

Reasoning: Mission is in the Rio Grande Valley, where flooding can be a concern. This endorsement provides specific flood protection for mobile homes in this region.

Reasoning: North Richland Hills has parks and recreation areas. This endorsement offers discounts for RVs located within or near NRH parks and recreation areas.

Reasoning: Upgrading insulation can improve energy efficiency. This coverage provides protection for the installation of energy-efficient insulation in your mobile home.

Reasoning: North Richland Hills has a cultural district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: If you store your RV in a storage facility when not in use, this endorsement provides protection for the RV while it’s stored.

Reasoning: North Richland Hills has Adventure RV Park. This coverage offers protection for your RV while parked at this specific RV park.

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