Any questions?
(877) 417-8733

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

Welcome to Pflugerville, Texas - a charming melting pot of diverse community, culture, and natural splendor!

Immerse yourself in the embrace of Pflugerville, where the heartbeat of community and cultural richness resounds in every corner. Located just north of Austin, Pflugerville, with its enticing parks, historical narratives, and burgeoning community events, beckons all to explore its multifaceted charm.

Step into the city’s verdant realms at Lake Pflugerville, a 180-acre reservoir providing residents and visitors an oasis for fishing, swimming, jogging, and kayaking. Here, the tranquil waters mirror the azure Texas sky, setting the stage for relaxation and recreation amidst nature’s embrace. The city's numerous other parks and trails offer additional avenues for outdoor exploration, from serene strolls to energetic hikes.

Pflugerville's historical richness adds depth to its vibrant present. The city, established in the mid-1800s by German settlers, retains echoes of its past in the well-preserved architecture and the Pflugerville Pfall Chili Pfest, a beloved annual event that celebrates the city's unique heritage with food, music, and community bonding.

In the realm of culinary delights, Pflugerville shines with a diverse gastronomic landscape. From authentic Texas barbecue to global cuisines, the city’s eateries offer a cornucopia of flavors, satisfying diverse palates and offering a culinary journey through the world's tastes.

The city is not just a haven for history buffs and food enthusiasts; it's also a hub for community events and festivals that bring together residents and visitors in celebration. The Deutschen Pfest, an annual festival, honors the city's German roots with a parade, live music, and an array of food and crafts, fostering a spirit of unity and shared heritage.

Education in Pflugerville is a beacon of growth and opportunity, with a range of schools committed to nurturing the minds and spirits of the young population. The community’s emphasis on educational excellence lays a robust foundation for future generations, ensuring they flourish in knowledge, creativity, and values.

As you explore Pflugerville, discover the vibrant arts scene that adds color and creativity to the city's cultural tapestry. Local artists and craftsmen contribute their talents, enriching the community with a spectrum of artistic expressions, from visual arts to performing arts.

In Pflugerville, community engagement transcends beyond events and education. The active neighborhood associations, city organizations, and volunteer opportunities highlight the residents' commitment to fostering a supportive and inclusive environment, where every individual’s contribution is valued and celebrated.

Embrace Pflugerville, where the interplay of history, culture, community, and natural beauty crafts a unique and compelling narrative. Whether you are navigating the scenic trails, savoring the culinary diversity, engaging in community events, or exploring the historical and artistic landmarks, Pflugerville promises a rich and rewarding experience, leaving an indelible imprint on your heart and soul.

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 Pflugerville, TX.

Weather Risks:

Heat Risk:

Pflugerville has a severe risk from heat, with 100% of the homes experiencing a severe likelihood of extreme heat-related events. The city’s “feels like” temperatures are increasing, leading to a higher likelihood of heat waves.
Implications for Mobile/Manufactured Homeowners and RV Owners: Mobile and manufactured homes often have less insulation, making them susceptible to extreme heat. It’s essential to have efficient cooling systems in place and to use sun-blocking window coverings to reduce interior temperatures. RV owners should prioritize parking in shaded areas, use reflective window covers, and consider additional air conditioning units to keep interiors cool.

Hail and Wind Risk:

Tennis ball-size hail and 60 mph wind gusts are potential risks in Pflugerville. Severe thunderstorms can bring damaging wind and large hail, posing threats to properties and vehicles.
Implications for Mobile/Manufactured Homeowners and RV Owners: The lightweight and often less sturdy construction of mobile and manufactured homes mean they are vulnerable to damage from hail and high winds. Installing a sturdy carport or garage can provide some protection for these homes and vehicles. RV owners should monitor weather reports closely and seek sheltered areas to park their vehicles during severe weather warnings. Investing in hail-resistant covers can also offer additional protection.

Tornado Risk:

Pflugerville's tornado index is higher than the average in Texas and the U.S., indicating a more substantial likelihood of tornado events.
Implications for Mobile/Manufactured Homeowners and RV Owners: Mobile and manufactured homes are particularly vulnerable in a tornado. Owners should have a solid tornado preparedness plan, including knowing the nearest storm shelter location. RV owners should avoid traveling in severe weather and have a plan for quickly finding sturdy shelter if a tornado warning is issued.

In conclusion, understanding and preparing for these weather risks is crucial for all residents, especially mobile and manufactured homeowners and RV owners, whose properties may be more susceptible to damage from these events. Proper preparation, including investing in protective equipment and staying informed about the weather, can help mitigate the impact of these severe weather risks.

Recommended Neighborhoods in Pflugerville, TX.

Property Crime Rates in Pflugerville, 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 676 Tracked Crimes: Armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter.
Comparison to National Average: About average
Property Crime: Rate: 14 per 1,000 population
Chance of Becoming a Victim: 1 in 70 Tracked Crimes: Motor vehicle theft, arson, larceny, and burglary. Comparison to National Average: Above average


In Pflugerville, Texas, while the overall crime rate is above the national average, it's important to delve into the specific categories of crime to get a clearer picture of the situation.
Violent Crime: Pflugerville has an average violent crime rate compared to the rest of the country. Residents here face a 1 in 676 chance of falling victim to violent crime, encompassing offenses such as armed robbery and aggravated assault.
Property Crime: More concerning is the property crime rate. Pflugerville’s property crime rate stands at 14 per 1,000, giving residents a 1 in 70 chance of experiencing property crimes such as motor vehicle theft, arson, larceny, and burglary. This rate is above the national average, indicating a higher vulnerability to property crime in Pflugerville.

While Pflugerville's violent crime rates hover around national averages, the heightened property crime rate should draw attention and resources from local authorities and the community. Strategies might include bolstering neighborhood watch programs, enhancing law enforcement presence, and utilizing technology such as security cameras and alarm systems to deter potential criminals

Choice of 6 insurance coverage in Pflugerville, TX.

Personal Injury Coverage:

What it is: Offers protection against legal liabilities for non-bodily injuries like libel, slander, or invasion of privacy.

Why it's needed: In our digital age, the risk of non-physical personal injuries has grown, making this a relevant addition to many policies.

Vandalism and Malicious Mischief Coverage:

What it is: Protects against damages or losses resulting from deliberate acts of destruction or harm.

Why it's needed: Provides peace of mind in areas where vandalism might be a concern, ensuring that damages are covered.

Collapse Coverage:

What it is: Covers damage to a mobile home if it unexpectedly collapses due to specific causes other than age or wear and tear.

Why it's needed: While uncommon, collapses can be devastating. This coverage ensures homeowners can rebuild or repair in such an event.

Sewer or Drain Backup:

What it is: Protection against damages from water or sewage backing up into the home.

Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.

Cyber Protection:

What it is: Similar to Cyber Security Coverage, it offers a wider range of protections, including digital assets, personal data, and even potential cyber bullying incidents.

Why it's needed: As our lives become more digital, the potential risks we face grow, making comprehensive cyber protection increasingly essential.

Roof Surface Extension:

What it is: Provides supplemental coverage for roof damage not included in standard policies.

Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.

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 Pflugerville, TX

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

Boulder Ridge (Pflugerville, Texas)

Address: [Address Not Provided] Family-oriented community in the heart of Texas.
On-site amenities: basketball court, children's playscape, athletic field, community clubhouse.
Monthly community events for residents.
Minutes away from higher education, parks, historical attractions, and Austin.
Move-in ready homes available.

Chisholm Point (Pflugerville, Texas)

Address: [Address Not Provided] Active family community.
On-site amenities: clubhouse, pool, horseshoe game, fitness center.
Minutes from urban attractions yet retains a countryside feel.
Close to Zilker Park, Lady Bird Lake, and Bullock Texas State History Museum.
Various homes available for sale.

Palm Harbor Homes N Austin (Austin, Texas)

Address: 15996 I-35 North, Austin, TX 78728
Dealer for Cavco Homes, Fleetwood Homes, Palm Harbor Homes, Cavco, Solitaire Homes.
Wide range of manufactured and modular homes.
SmartPlus construction process for value.
12-Year Structural Warranty on homes. Located in Round Rock, serving Austin and surrounding areas.

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

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

Reasoning: Pflugerville is near Wilbarger Creek, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: Lake Pflugerville offers recreational activities. This coverage provides specialized protection for your RV and belongings during Lake Pflugerville adventures.

Reasoning: Upgrading to energy-efficient HVAC systems can reduce heating and cooling costs. This coverage provides protection for the installation of energy-efficient HVAC systems in your mobile home.

Reasoning: Pflugerville hosts music festivals. This endorsement offers discounts for mobile homes located within or near the festival area.

Reasoning: If you frequently stay in RV parks, this coverage provides protection for the amenities you use, such as pools, playgrounds, and clubhouses.

Reasoning: Pflugerville’s Blackhawk Golf Course is a notable spot. This endorsement provides discounts for RVs located near or with a view of the golf course.


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