Any questions?
(877) 417-8733

Protect Your Manufactured Home in Pearland, TX.

Covertree’s Comprehensive Guide.

Powered by

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 Pearland, TX: Costs, Coverage, and Considerations

Welcome to Pearland, Texas - a shining beacon of natural beauty, cultural diversity, and vibrant growth!

Enter the embrace of Pearland, a city where verdant nature harmonizes with the pulse of urban development. Nestled in the Houston metropolitan area, this city invites you on a journey of discovery, where scenic trails and parks coexist with bustling shopping centers and diverse culinary landscapes.

In Pearland, walk amidst the whispers of trees and the harmonious song of birds in the John Hargrove Environmental Complex, a living testament to the city’s commitment to preserving nature's beauty. The city is adorned with various other parks and green spaces, offering residents and visitors a breath of fresh air and a peaceful retreat from the hustle and bustle.

Yet, Pearland is not just a haven for nature enthusiasts. It stands as a symbol of vibrant growth and cultural diversity. From a small agricultural settlement in the late 19th century, Pearland has blossomed into one of the fastest-growing cities in Texas. Here, the spirit of innovation intertwines with a rich cultural tapestry that adds to the city’s allure.

The city's historical roots are not forgotten amidst this modern expansion. The Sri Meenakshi Temple, an architectural marvel, stands as a beacon of the city's diverse cultural heritage and offers a unique insight into Hindu traditions and spirituality. It’s one of the few traditional Hindu temples in the United States and is a significant attraction for both the curious and the devout.

Pearland’s culinary scene is as diverse as its population. Indulge in an array of global flavors, from savory Tex-Mex to exquisite Asian cuisines. Enjoy a leisurely meal at one of Pearland's many restaurants, where Southern hospitality melds with international flair, offering a dining experience that tantalizes your taste buds while warming your heart.

The Pearland Town Center and other shopping destinations reflect the city’s contemporary vibe, where elegant boutiques and prominent brands cater to both the fashion-forward and the practical shopper. Beyond commerce, these spaces serve as gathering spots, where friends and families unite over shopping, dining, and entertainment.

Education holds a paramount place in the Pearland community. The city's award-winning schools emphasize holistic learning and individual growth, preparing the youth to navigate the world with knowledge, confidence, and compassion. In Pearland, community events and festivals further enliven the city’s spirit. Annual celebrations, like the Winterfest, bring the community together to revel in the joys of the season, highlighting the unity and communal bonds that underpin the city’s progressive ethos.

Discover Pearland, a city where nature's tranquility, cultural richness, and modern vibrancy converge, crafting a unique and welcoming mosaic for all who call it home or come to explore its many facets. Whether you’re traversing its scenic paths, delighting in its diverse culinary offerings, exploring its cultural landmarks, or enjoying the warmth and hospitality of its residents, Pearland promises a memorable and enriching experience.

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 Pearland, TX.

Weather Risks:

Hurricanes and Extreme Heat:

Hurricanes: These tropical cyclones bring heavy rain, strong winds, and storm surges. The hurricane season in Pearland runs from June to November.
Extreme Heat: In the summer, temperatures can soar, leading to heatwaves.
Implications for Mobile Home & RV Owners: Damage from High Winds and Flooding: Mobile homes and RVs are vulnerable to damage from the high winds and flooding brought by hurricanes. Proper anchoring and preparation are essential.
Heat Exposure: The limited insulation in mobile homes and RVs can mean interiors become uncomfortably hot, increasing the risk of heat-related illnesses.

Winter Storms:

Description: Severe winter weather can bring freezing temperatures, ice, and snow. Even in Texas, where winters are generally milder, hard freezes can occur.
Implications for Mobile Home & RV Owners:
Pipe Damage: The plumbing systems in mobile homes and RVs are often more exposed, making them prone to freezing and bursting in cold weather.
Inadequate Heating: These dwellings might lack sufficient heating, making it crucial for owners to have backup heating sources and adequate insulation.


Pearland is susceptible to flooding year-round, exacerbated by heavy rains from various types of storms, including hurricanes.
Implications for Mobile Home & RV Owners:
Water Damage: Flooding can result in significant damage to the structures and contents of mobile homes and RVs. Evacuation Challenges: Evacuating a mobile home park or moving an RV in time can be difficult, emphasizing the importance of early warning and prompt action. Action Steps for Pearland Residents: Develop an Emergency Plan Sign Up for E-Alerts Follow Local Guidance Prepare Your Dwelling

Recommended Neighborhoods in Pearland, TX.

Property Crime Rates in Pearland, TX.


Overall Crime Rate: 16 per 1,000 residents
Chance of Becoming a Victim: 1 in 64
Comparison to Texas: Higher than 66% of Texas cities and towns
Comparison to Similar Sized Communities: Lower crime rate than the average

Comparison with Texas and the U.S.

Violent Crime:
Rate: 1 per 1,000 inhabitants Chance of Becoming a Victim: 1 in 926
Tracked Crimes: Armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter.
Comparison to National Average: About average
Property Crime: Rate: 15 per 1,000 population Chance of Becoming a Victim: 1 in 69
Tracked Crimes: Motor vehicle theft, arson, larceny, and burglary. Comparison to National Average: Above average


Pearland, Texas, exhibits a diverse crime profile. The overall crime rate is higher than the national average, placing residents at a 1 in 64 chance of becoming a victim of either violent or property crime. Despite these numbers, compared to similarly populated cities, Pearland has a lower-than-average crime rate.
Violent Crime: The violent crime rate in Pearland is comparable to the national average. Residents have a 1 in 926 chance of experiencing a violent crime, such as armed robbery or aggravated assault.
Property Crime: The property crime rate in Pearland is notably higher, with a 1 in 69 chance of residents becoming a victim. This area, in particular, may need attention and resources from law enforcement and the community to bring rates down.

Pearland's crime rates offer both reassurance and areas for concern. While violent crime rates are consistent with national averages, property crime rates stand out as a clear area needing intervention and preventive strategies. Residents and local authorities should continue working together to understand the specific factors contributing to property crime in Pearland and implement comprehensive strategies to address them. This could include community policing initiatives, neighborhood watch programs, and investments in public safety infrastructure such as improved lighting and surveillance systems.

Choice of 6 insurance coverage in Pearland, TX.

Matching Siding/Roof:

What it is: Guarantees that if part of your siding or roof is damaged, the replaced section will match the existing, undamaged areas.

Why it's needed: Aesthetic consistency is important for home value, and mismatched repairs can be visually unappealing.

Pest Damage:

What it is: Coverage against damages caused by pests like termites, rodents, etc.

Why it's needed: Pest damage can be expensive to repair and isn't always covered in standard policies.

High Deductible Waiver for Catastrophic Ground Cover Collapse:

What it is: The deductible is waived if there's a catastrophic ground cover collapse.

Why it's needed: In areas prone to such events, this can provide significant financial relief.

Appliance Leakage:

What it is: Coverage for damages specifically caused by leaks from appliances.

Why it's needed: Appliances can sometimes malfunction, leading to expensive water damages.

Mudflow Protection:

What it is: Protection against damage caused by mudflow.

Why it's needed: In areas prone to heavy rains or near mountains, mudflows can pose a significant risk.

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.

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 Pearland, TX

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

Pearland Acres Mobile Home Community

Address: 18810 Tree Top Lane, Pearland, TX 77584
Phone: Not provided
Community Type: Family-oriented
Amenities and Features: Large, tree-shaded lots Community-patrolled security Onsite management Maintenance crew living in the community Assistance with home repairs by the maintenance crew
Description: Pearland Acres offers spacious tree-shaded lots for single-wide or double-wide mobile homes. The community is family-oriented, and park rules are enforced. It features community-patrolled security and friendly neighbors. The majority of homes are owner-occupied.

The Landing at Pearland

Address: 140 Landing Ln, Pearland, TX 77581
Phone: 713-930-HOME (4663)
Community Type: Not specified, but it offers luxury manufactured homes
Amenities and Features: 6,000 square foot clubhouse with a community center, workout facility, and game room Resort-style swimming pool Outdoor pavilion Sport court Event lawns Dog park Gated entrance with a full-time property manager and 24/7 security
Description: The Landing at Pearland offers affordable manufactured and mobile homes in a master-planned community with resort-style amenities. The community is located conveniently in Pearland, Texas, with access to shopping, entertainment, schools, and healthcare facilities. It emphasizes safety, community, and family.

Raintree Estates

Address: 1938 Garden Road, Pearland, TX 77581
Phone: (281) 997-2238
Community Type: Not specified
Amenities and Features: Pool Playground Resident planned activities and events Description: Raintree Estates is located in Pearland, Texas, in a beautiful woodland setting. It offers a range of amenities, including a pool and playground. The community also hosts resident planned activities and events throughout the year. Local conveniences such as shopping, restaurants, and entertainment are nearby.

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

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

Reasoning: Pearland is in Brazoria County, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this county.

Reasoning: Pearland’s Shadow Creek Ranch Park is a popular spot. This endorsement offers discounts for RVs located within or near this park.

Reasoning: Installing solar panels can reduce energy costs. This coverage provides protection for the installation of energy-efficient solar panels on your mobile home.

Reasoning: Pearland has an arts and culture district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: If you plan to travel to Mexico, this coverage provides medical expense coverage for injuries or illnesses that might occur while in Mexico.

Reasoning: RV owners often stay at parks. This coverage offers protection for your RV while parked at Shadow Creek Ranch Park.

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