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

Welcome to San Angelo, Texas -a jewel cradled in the embrace of the Concho River, where waters whisper tales of a time long past and the horizon unfurls the vibrant hues of the Texan spirit. This oasis in the midst of West Texas invites you to tread the paths walked by indigenous peoples, pioneers, and cowboys, each step resonant with the echoes of history.

In the embrace of San Angelo, you find the harmonious melding of natural beauty and vibrant urban life. The Concho River's serene waters mirror the azure expanse above, painting a daily masterpiece that graces the city's landscape. Here, you are invited to embark on a journey of exploration and enchantment, set against the backdrop of verdant parks and the gently flowing river. Wander through the historic downtown, where the past and the present entwine in a dance of brick and stone. The architecture stands as a testament to San Angelo’s rich heritage, whispering stories of the vibrant community that has thrived along the banks of the Concho River. Local boutiques and galleries offer a treasure trove of art and artifacts, each piece a brushstroke in the grand tapestry of San Angelo.

Yet, beyond the bustling streets and the vibrant pulse of the city, San Angelo’s soul lies cradled in the embrace of nature. The San Angelo State Park opens its arms to adventurers and nature lovers, its trails weaving through the rugged beauty of the Texan landscape. Here, amidst the whispering winds and the rustling grasses, the spirit of San Angelo stands in its purest form. Set sail upon the waters of Lake Nasworthy, where the sun's golden hues dance upon the rippling surface, inviting boaters, fishermen, and dreamers to bask in the embrace of serene nature. The lake's gentle waves tell stories of timeless beauty, a narrative woven with threads of sapphire blue and emerald green.

San Angelo, a city where the river's whispers unite with the voices of people, beckons you to explore its myriad facets. It's a place where history's echoes resound through modern streets, where the allure of nature’s embrace intertwines with the warm heartbeat of a thriving community. Here in San Angelo, let the whispering waters guide you on a journey of discovery, and let the city's vibrant hues paint your adventures with the colors of the Texan spirit. Embark on the San Angelo odyssey, and let each moment unfold like the petal of a wildflower in the embrace of the morning sun.

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 San Angelo, TX.

Weather Risks:

Thunderstorms and Associated Risks:

Description: San Angelo is susceptible to thunderstorms, which, despite their small size compared to other weather events, can cause significant damage. They can bring along other hazards including tornadoes, lightning, strong winds, flash flooding, and hail. Winds can exceed 100 mph, and downbursts and microbursts can cause damage equivalent to a strong tornado.

Implications for Mobile/Manufactured Home and RV Owners: High Wind and Hail: With wind gusts possibly exceeding 100 mph and the threat of large hail, mobile/manufactured home and RV owners in San Angelo should ensure their homes are well-anchored and consider storm shutters or other protective measures. Lightning: Mobile homes are vulnerable to lightning strikes. Ensure your mobile home or RV is not the tallest structure in the vicinity and consider installing a lightning rod or other protective equipment.

Flood Risk:

Description: San Angelo has a moderate flood risk, with 12% of all properties in the area having a significant chance of being affected by flooding over the next 30 years. This includes residential, commercial, and critical infrastructure, potentially impacting day-to-day life within the community.

Implications for Mobile/Manufactured Home and RV Owners: Potential Damage: Flooding can cause severe damage to mobile and manufactured homes, making location choice essential. Avoid flood-prone areas and have an evacuation plan in place. Access Issues: Flooding can cut off access to utilities and emergency services, making it imperative for mobile and manufactured homeowners and RV owners to have backup resources and a clear evacuation plan.

Tornado Risk:

Description: San Angelo holds a tornado index value of 118.63, indicating a lower-than-average risk for tornado events compared to the rest of Texas, but it's still a considerable risk that should not be overlooked.

Implications for Mobile/Manufactured Home and RV Owners: Vulnerability to Tornadoes: Mobile homes and RVs are particularly vulnerable to tornadoes. Ensure your mobile home is securely anchored and have a tornado safety plan in place.

Despite the varying risks, being well-prepared and staying informed about the weather can help minimize the damage and ensure the safety of residents in San Angelo, TX, including those living in mobile/manufactured homes and RVs. Keep abreast with the local weather updates and ensure your property is equipped to handle these weather events.

Recommended Neighborhoods in San Angelo, TX.

Property Crime Rates in San Angelo, TX.


Overall Crime Rate: 30 per 1,000 residents Chance of Becoming a Victim: 1 in 33 State Comparison: Higher than 91% of Texas cities and towns Comparison to Similar Sized Communities: Higher than most

Detailed Crime Categories:

Violent Crime: Rate: 3 per 1,000 inhabitants Chance of Becoming a Victim: 1 in 291 Tracked Crimes: Armed robbery, aggravated assault, rape, and murder

Property Crime: Rate: 26 per 1,000 population Chance of Becoming a Victim: 1 in 38 Tracked Crimes: Burglary, larceny over fifty dollars, motor vehicle theft, and arson


San Angelo stands out with a conspicuous crime rate of 30 per 1,000 residents, significantly higher than many other communities of comparable size.

Violent Crime: Violent crimes in San Angelo occur at a rate higher than most communities in the nation, marking it as an area where residents face an elevated risk of becoming victims of violent offenses. The community and law enforcement need to address this concern with preventive measures and active mitigation strategies.

Property Crime: Even more alarming is the prevalence of property crimes, with a chance of 1 in 38 of becoming a victim. This indicates a pressing need for effective community policing, property security enhancements, and community awareness programs to safeguard property and assets in the region. Efforts towards crime reduction in San Angelo should prioritize the following strategies: Community Engagement Educational Programs Collaborative Initiatives:

Choice of 6 insurance coverage in San Angelo, TX.

Enhanced Dwelling Protection:

What it is: Provides added coverage for rebuilding expenses that go over the policy's stated limit.

Why it's needed: Rebuilding costs can escalate due to factors like increased materials prices or changes in building codes. This ensures full coverage.

Mold Remediation Coverage:

What it is: Covers costs related to mold removal and repair.

Why it's needed: Mold can lead to health problems and structural damage. Mobile homes, especially in humid areas, may be vulnerable.

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.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Foundation and Water Damage Coverage:

What it is: Specifically covers repairs linked to foundation or water damage.

Why it's needed: Foundation repairs are costly, and water damage can lead to further complications like mold. This add-on provides targeted protection.

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 San Angelo, TX

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

Christoval Estates

Location: 3511 Christoval Road, San Angelo, TX 76903
Age Group: All Ages Community
Community Features: Off-Street Parking, Swimming Pool, Average Street Width, No Age Restrictions. Additional Details: This community, established in 1960, offers 151 sites with a diverse mix of homes.
Approximately 50% of the homes are multisection, and 75% of them have both peaked roofs and lap siding. There's a swimming pool on-site for residents to enjoy.

Solitaire Homes of San Angelo

Location: 4130 N Bryant Blvd, San Angelo, TX 76903
Business Hours: Mon - Thu: 9 am - 7 pm, Fri - Sat: 9 am - 6 pm, Sun: Closed
Dealer Information: Solitaire Homes of San Angelo is a proud dealer of various manufactured home brands, including Cavco Homes, Palm Harbor Homes, Solitaire Homes, and Fleetwood Homes. They offer a range of homes, including the Emerald model, with various floor plans and sizes available.

Sun Lake Estates

Location: 3300 Voight Blvd, #200, San Angelo, TX 76905
Age Group: All Ages Community
Community Features: Off-Street Parking, Playground, Clubhouse, Swimming Pool, Wide Street Width, Paved Streets, RV Sites.
Pet Policies: Pets Allowed with restrictions (size and temperament). Additional Details: Sun Lake Estates provides a variety of amenities, including a basketball court, and is situated near water, golf, and parks. It has 241 sites, with 25% being multisection homes and 80% featuring peaked roofs and 75% having lap siding.

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

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

Reasoning: San Angelo is near the Concho River, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

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

Reasoning: Upgrading insulation and adding skylights can improve energy efficiency and lighting. This coverage provides protection for these upgrades in your mobile home.

Reasoning: San Angelo has a cultural district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: Texas can experience severe thunderstorms. This coverage provides protection for your RV against thunderstorm-related damages while in RV parks.

Reasoning: If you frequently visit San Angelo State 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 San Angelo TX, don't hesitate to get a CoverTree quote now.