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

Welcome to Richardson, Texas -a city that hums with the vibrant rhythm of progress while gracefully swaying to the gentle whispers of its storied past. Here, modern skyscrapers kiss the sky, and the roots of tradition burrow deep into the rich Texan soil, offering both the thrill of the new and the comfort of the familiar.

As you traverse the streets of Richardson, allow the symphony of the city to guide your steps. Feel the pulse of innovation as you pass by the thriving Telecom Corridor, where numerous tech companies have found a home and a hub for growth and advancement. The city's commitment to advancement and technology echoes through the corridors of the University of Texas at Dallas, an institution renowned for its rigorous programs and forward-thinking initiatives.

Yet amidst the rush of progress, the gentle cadences of history and community beckon you to pause and reflect. The beauty of Richardson lies not only in its economic vitality and technological strides but also in the warm embrace of its vibrant communities and the richness of its cultural fabric.

Wander through the quaint neighborhoods and explore the lush parks that cradle the city in verdant arms. The whispering trees tell tales of a time when the Comanche and Caddo tribes graced these lands, imparting their wisdom and love for nature to the generations that followed.

Immerse yourself in the cultural vibrancy echoed in the annual Wildflower! Arts & Music Festival. As melodies float through the air and art blossoms in a myriad of colors and forms, you'll find yourself enveloped in the harmonious blend of creativity and community that defines the soul of Richardson. The city's diverse culinary scene offers a mosaic of flavors from around the globe, inviting you to embark on a gastronomic adventure that tantalizes the senses and warms the soul.

As the sun dips below the horizon, painting the sky with hues of crimson and gold, the resplendent beauty of the city's natural landscapes unfolds. The serene waters of Breckinridge Park whisper tales of ancient days, while the soft rustle of leaves narrates stories of harmonious coexistence.

In Richardson, every corner holds a new discovery, every pathway leads to an unveiling of the city's multifaceted identity. It is a place where innovation and tradition dance in perfect harmony, where the warmth of community and the glow of progress light the way forward.

Embrace the allure of Richardson, Texas, and let your journey through this captivating city weave a tapestry of cherished memories, boundless inspiration, and heartfelt connections. Embark on your voyage of discovery in Richardson, where every day writes a new chapter in the ongoing saga of a city blooming with boundless possibilities.

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 Richardson, TX.

Weather Risks:

Thunderstorms & Lightning

Description: Thunderstorms, accompanied by lightning, hail, high winds, and flash floods, can be captivating yet perilous. Lightning, in particular, claims more lives annually than tornadoes. It can strike beyond the limits of a storm, hitting the same place multiple times and without the presence of rain.

Implications for Mobile/Manufactured Home Owners and RV Owners: Mobile and manufactured homes might not provide adequate protection against lightning strikes. It's crucial for inhabitants to seek sturdy shelters immediately upon hearing thunder. Metal structures of vehicles, including RVs, can attract lightning. RV owners should also find secure and solid buildings for shelter during thunderstorms. Unplugged electrical appliances and avoidance of electronic communication, unless emergency, are advised as lightning can travel through electrical systems.

Heat Wave/Drought

Extreme heat in Texas poses serious health risks and environmental issues. It can lead to severe heat-related illnesses, exacerbated by high humidity, particularly affecting vulnerable populations. Concurrent drought conditions can further strain water resources and contribute to wildfires.

Implications for Mobile/Manufactured Home Owners and RV Owners: Proper insulation and efficient air conditioning systems in mobile homes and RVs are essential for maintaining a comfortable and safe internal temperature. Owners should be vigilant about hydration, avoiding excessive outdoor activities during peak heat, and wearing suitable clothing. During droughts, responsible water usage is crucial. Mobile/manufactured homeowners and RV owners should be mindful of their water consumption and adhere to local water restrictions.

Severe Winter Weather

Description: Although not a frequent occurrence in places like Richardson, Texas, severe winter weather, including ice and snow, demands preparation and swift response. It can lead to hazardous road conditions, power outages, and damage from falling tree limbs.

Implications for Mobile/Manufactured Home Owners and RV Owners: Mobile/manufactured homes and RVs may not have the same level of insulation as traditional homes, making them vulnerable to freezing temperatures. Proper winterization of these homes and vehicles, including adequately insulating pipes and walls, is essential. Residents should be prepared with alternative heat sources, such as safe portable heaters, and ensure that their homes and vehicles are adequately equipped to retain heat. In the event of power outages, having a backup power source and a preparedness kit is vital. Immediate reporting of outages and minimal initial power usage upon restoration can aid in smoother recovery processes.

By understanding and preparing for these weather risks, mobile/manufactured home owners and RV owners can better protect their properties and ensure their safety and comfort despite the challenges posed by varying weather conditions.

Recommended Neighborhoods in Richardson, TX.

Property Crime Rates in Richardson, TX.


Overall Crime Rate: 24 per 1,000 residents Chance of Becoming a Victim: 1 in 42 State Comparison: Higher than 83% of Texas cities and towns Comparison to Similar Sized Communities: Near average crime rate

Detailed Crime Categories:

Violent Crime: Rate: 2 per 1,000 inhabitants (about average nationally)
Chance of Becoming a Victim: 1 in 629 Tracked Crimes: Armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter
Property Crime: Rate: 22 per 1,000 population Chance of Becoming a Victim: 1 in 45
Tracked Crimes: Motor vehicle theft, arson, larceny, and burglary


Richardson, Texas, with an overall crime rate of 24 per 1,000 residents, faces notable crime-related challenges, especially in property crimes.

Violent Crime: The violent crime rate in Richardson stands at 2 per 1,000 inhabitants, aligning with national averages. The probability of being victimized by a violent crime, such as armed robbery or aggravated assault, is 1 in 629. Although not exceedingly high, this statistic emphasizes the importance of continuous efforts to curb violent offenses.

Property Crime: A more pronounced concern is property crime, with a rate of 22 per 1,000 population. Residents in Richardson have a 1 in 45 chance of experiencing property crimes. This above-average rate accentuates the need for reinforced strategies to safeguard personal and communal properties.

Choice of 6 insurance coverage in Richardson, TX.

Actions Within Control:

What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects.

Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.

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.

Service Line Coverage:

What it is: Protects against damage to underground utility lines or service lines, like water and sewage.

Why it's needed: Repairs to service lines can be expensive, and they're not always covered by local utilities or standard policies.

Law/Ordinance Coverage:

What it is: If a mobile home gets damaged and needs repair or replacement, this coverage pays for any increased costs due to current building codes or ordinances.

Why it's needed: Building regulations change over time. This ensures homes are rebuilt to current standards without out-of-pocket expenses.

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.

Regular Wear and Tear:

What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time.

Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.

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 Richardson, TX

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

Eagle Ridge

Location: 617 Holfords Prairie, Lewisville, TX 75056
Age Group: All Ages Community Community Features: Off-Street Parking, Playground, Swimming Pool, Recreational Facilities.
Pet Policies: Pets Allowed (No aggressive breeds).
Additional Details: The community offers 2 Homes for Sale, Rental Homes, and Vacant Sites. It has 140 sites in total, with 15% being multisection homes and 80% having peaked roofs. The majority of homes (35%) feature lap siding. The community is conveniently located near water, just 2 miles away.

Redwood at the Lake

Location: 1201 Alicia Ann Drive, Wylie, TX 75098
Age Group: All Ages Community
Community Features: Off-Street Parking, Clubhouse, Street Width (Average), Paved Streets, Recreational Facilities.
Pet Policies: Pets Allowed (Under 25 lbs).
Additional Details: The community offers 9 Homes for Sale, Rental Homes, and Vacant Sites. It boasts 330 sites in total, with 25% being multisection homes and 100% featuring peaked roofs. The majority of homes (90%) have lap siding. The community is close to water (0.7 miles) and parks (9 miles).

Highland Acres

Location: 1708 Bunker Hill Lane, Lewisville, TX 75056
Age Group: All Ages Community
Community Features: Off-Street Parking, Playground, Clubhouse, Swimming Pool, Recreational Facilities.
Pet Policies: Pets Allowed.
Additional Details: The community offers 2 Homes for Sale. It has 199 sites in total, with 25% being multisection homes and 25% having peaked roofs. Half of the homes (50%) feature lap siding. The community is conveniently located approximately 2.3 miles from water.

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

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

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

Reasoning: Breckinridge Park offers recreational activities. This coverage provides specialized protection for your RV and belongings during visits to the park.

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

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

Reasoning: Texas can experience severe hailstorms. This coverage provides protection for your RV against hailstorm damages while in RV parks.

Reasoning: If you frequent Breckinridge Park, this coverage offers protection for your RV while parked at this specific park.

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