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Protect Your Manufactured Home in Rowlett, TX.

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A Guide to Mobile Home Insurance in Rowlett, TX: Costs, Coverage, and Considerations

Welcome to Rowlett, Texas -a city that cradles the shoreline of Lake Ray Hubbard, enveloping both residents and visitors in a lullaby of waves and whispers of a zephyr's breeze. This gem in the heart of Texas, where water kisses the land, offers an oasis of natural beauty amidst the grandeur of Lone Star State progress.

In Rowlett, life moves to the rhythm of the lake. The gentle ebb and flow of the waters mirror the city's harmonious blend of growth and tranquility, of the bustling present and the echoes of yesteryears. Here, the shimmering expanse of Lake Ray Hubbard is a canvas on which the story of Rowlett is beautifully painted.

As you meander through the city's scenic landscapes, you are invited to embark upon a journey of exploration and enchantment. Revel in the splendor of the lakeside parks, where pathways meander through verdant expanses, beckoning you to a realm where the sky's azure hues kiss the vibrant greens of the earth. Here, every sunset paints a masterpiece on the lake's calm surface, a daily testament to nature's enduring elegance.

Yet, the allure of Rowlett transcends its natural charm. This burgeoning city, woven with threads of community and innovation, hums with the energy of growth and the promise of a flourishing future. Amidst its scenic vistas, neighborhoods brim with warmth and camaraderie, creating a tapestry of diverse and vibrant communities. The whispers of pioneers who once traversed these lands echo through the modern streets, blending tales of the past with the narratives of the present.

In the heart of Rowlett, the Old Town beckons with its historical allure. Stroll through its charming streets, where the architecture whispers tales of a storied past, and local boutiques and eateries offer treasures and delights for every visitor. Here, the pulse of Rowlett's heritage beats in harmony with the vibrant thrum of contemporary life.

Rowlett, with its lakeside grace, stands as a beacon of balance and beauty. It is a place where the past and present dance in a delicate duet, where the melody of the lake weaves a song of serenity and strength. Immerse yourself in the embrace of Rowlett, Texas, and let the city's harmonious hues color your journey with memories of exploration, relaxation, and the warm touch of a welcoming community. Here in Rowlett, the dance of life moves with grace, and every step unveils a new chapter of discovery in this lakeside haven.

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 Rowlett, TX.

Weather Risks:

Thunderstorms & Lightning

Description: Rowlett is prone to severe thunderstorms that can produce high winds, hail, and lightning. These can be potentially damaging and hazardous, with lightning being a significant concern, posing a risk of strikes to people and property.

Implications for Mobile/Manufactured Home and RV Owners: High Risk: Mobile and manufactured homes are especially vulnerable to damage from high winds and hail that accompany thunderstorms. Lightning Safety: It's crucial to seek sturdy shelter immediately if in a mobile home or RV during a thunderstorm. Avoid being the tallest object in an open space or near metallic structures.


Description: Rowlett’s tornado index value of 302.41 indicates a higher-than-average risk for tornado events compared to the rest of Texas and the U.S. This is supported by the historical weather data recording various extreme weather events in the area.

Implications for Mobile/Manufactured Home and RV Owners: Vulnerability to Tornadoes: Mobile homes and RVs are not built to withstand tornado force winds and can be seriously damaged. Seek Safe Shelter: During a tornado warning, leave mobile homes and RVs for a sturdy building or established tornado shelter.


Description: Rowlett has recorded a significant number of flood events historically, making it a considerable risk, especially during severe weather conditions that include heavy rainfall.

Implications for Mobile/Manufactured Home and RV Owners: Flood Risk: Mobile homes and RVs can be severely damaged by floodwaters, and it’s often challenging to rapidly move them to safer grounds. Location: Avoid placing mobile and manufactured homes in flood-prone areas, and have an evacuation plan in place for moving RVs.

Recommended Neighborhoods in Rowlett, TX.

Property Crime Rates in Richardson, TX.


Overall Crime Rate: 13 per 1,000 residents Chance of Becoming a Victim: 1 in 76 State Comparison: Higher than 58% of Texas cities and towns Comparison to Similar Sized Communities: Safer than most

Detailed Crime Categories:

Violent Crime:
Rate: 2 per 1,000 inhabitants
Chance of Becoming a Victim: 1 in 526 Tracked Crimes: Armed robbery, aggravated assault, rape, and murder

Property Crime:
Rate: 11 per 1,000 population
Chance of Becoming a Victim: 1 in 89 Tracked Crimes: Motor vehicle theft, arson, larceny, and burglary


Rowlett, Texas holds a distinctive position with a crime rate of 13 per 1,000, exceeding the national average, yet performing better than many comparable cities.

Violent Crime: Despite a higher violent crime rate compared to communities across the nation, at 2 per 1,000 inhabitants, the likelihood of falling victim to violent crime is 1 in 526. This highlights the existence of violent crime, albeit at a manageable level, necessitating continuous monitoring and preventive actions.

Property Crime: More prevalent are property crimes with a rate of 11 per 1,000 population. With a 1 in 89 chance of encountering property crime, the emphasis should be on enhancing protective measures for properties in the area.

Addressing the highlighted concerns requires a multipronged approach to enhance the safety of Rowlett: Focused Policing Community Involvement Crime Prevention Education Utilization of Technology

Choice of 6 insurance coverage in Rowlett, TX.

Disappearing Deductibles:

What it is: Deductible decreases for each claim-free year.

Why it's needed: Rewards homeowners for not filing claims and provides financial benefits over time.

Additional Living Expenses:

What it is: Covers living costs if a homeowner must temporarily relocate due to a covered loss.

Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.

Catastrophic Events:

What it is: Protection against major, unforeseen disasters like earthquakes, floods, and sometimes even terrorism.

Why it's needed: Standard mobile home policies might not cover such large-scale events. These coverages are essential for homes located in areas prone to these types of events.

Existing Coverage:

What it is: This isn't a rider, but a reminder to mobile homeowners to review what is and isn't covered under their current policy.

Why it's needed: Knowing what's already covered helps homeowners avoid overlapping or redundant coverages and identify gaps that need to be addressed.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

Solar Energy System Coverage:

What it is: Protection for homeowners with solar energy systems, like panels.

Why it's needed: Solar systems can be costly to install and repair, so this ensures they're protected.

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 Rowlett, TX

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

Lakeside Estates

Location: 4509 Chiesa Road, Rowlett, TX 75088
Age Group: All Ages Community
Community Features: Off-Street
Parking, Average Street Width, Paved Streets.
Pet Policies: Pets Allowed (Community Approval).
Additional Details: The community offers Vacant Sites. It has 37 sites in total, with 10% being multisection homes and 80% having peaked roofs. The majority of homes (80%) feature lap siding. The community is situated very close to water (0.1 miles) and parks (1 mile).

Dalrock Meadow Park

Location: 8100 Lakeview Pkwy, Rowlett, TX 75088
Age Group: All Ages Community
Community Features: Wide Street Width, Paved Streets.
Pet Policies: Pets Allowed (Inside pet only).
Additional Details: The community has an On-Site Sales Office. It has 20 sites in total, with all homes featuring peaked roofs. The community is located approximately 0.3 miles from water and 1 mile from parks.

Schradeville Mobile Home Park

Location: 7901 Schrade Rd, Rowlett, TX 75088
Age Group: All Ages Community
Community Features: Playground, Average Street Width, Paved Streets. Pet Policies: Pets Allowed.
Additional Details: The community has an On-Site Sales Office. It has 18 sites in total, with 15% of homes having peaked roofs and 15% featuring lap siding. The community is about 0.5 miles away from water.

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

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

Reasoning: Rowlett is located near Lake Ray Hubbard, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: Paddle Point Park offers outdoor activities. This coverage provides specialized protection for your RV and belongings during adventures at the park.

Reasoning: Installing an energy-efficient roof can improve insulation and reduce energy costs. This coverage provides protection for the installation of an energy-efficient roof on your mobile home.

Reasoning: Rowlett has a harbor district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: Texas can experience tornadoes. This coverage provides protection for your RV and belongings in case of tornado-related damages while in RV parks.

Reasoning: If you visit Paddle Point Park frequently, this coverage offers protection for your RV while parked at this specific location.

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