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Protecting Your Manufactured Home in San Antonio TX.

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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 Antonio, TX: Costs, Coverage, and Considerations

Welcome to San Antonio, Texas -where history echoes and cultures converge in the heart of Texas!

Brimming with a mosaic of cultures, San Antonio stands as a testament to Texas's rich tapestry of history and heritage. Resting along the banks of the serpentine San Antonio River, this city intertwines its storied past with dynamic modernity, offering a spectrum of experiences that captivate the soul and ignite the imagination.

San Antonio's origins are steeped in a confluence of civilizations. Founded in 1718 by Spanish settlers, the city was named for Saint Anthony of Padua. Over the ensuing centuries, its strategic location meant it became a nexus for Spanish, Mexican, Tejano, and American narratives, each leaving an indelible mark on the city's ethos.

Perhaps the most iconic testament to San Antonio's history is The Alamo. This former Franciscan mission, now a shrine and museum, was the site of the legendary 1836 battle during Texas's war for independence from Mexico. The cry, "Remember the Alamo!", resonating across the annals of time, encapsulates the spirit of sacrifice and resilience that is quintessential to Texan identity.

Yet, the city is much more than its historic battlegrounds. The San Antonio River Walk, with its winding pathways, charming bridges, and bustling restaurants, is the city's beating heart. Whether you're taking a serene boat ride or exploring the myriad of shops and eateries, the River Walk exemplifies the city's blend of beauty and vivacity.

Cultural connoisseurs find a haven in San Antonio. The city is dotted with institutions like the San Antonio Museum of Art, which houses an impressive collection spanning millennia, and the Tobin Center for the Performing Arts, a beacon for theatrical and musical performances. Festivals like Fiesta San Antonio burst forth in colorful exuberance, celebrating the city's diverse heritage with parades, music, and culinary delights.

Nature too has generously endowed San Antonio. The Natural Bridge Caverns, with their awe-inspiring underground formations, beckon to adventurers and curious souls alike. Meanwhile, the San Antonio Botanical Garden offers a riot of colors and scents, showcasing flora from Texas and beyond.

San Antonio's culinary landscape is a gastronomic journey unto itself. Beyond its renowned Tex-Mex and barbecue, the city has birthed culinary treasures like the puffy taco. It’s also home to the historic Pearl Brewery, now a culinary and cultural destination, where old-world charm meets contemporary flair.

A lesser-known fact about San Antonio is its UNESCO World Heritage status, honoring its series of Spanish colonial missions. It's one of the few cities in the U.S. to boast this accolade, a nod to its significant cultural and historical relevance.

In essence, San Antonio is where tales of yesteryears meld with the narratives of today, where ancient missions stand alongside bustling markets, and where every alley and river bend whispers stories of valor, romance, and tradition. It's a city that invites you to wander, to explore, and to become a part of its timeless saga. Whether you're drawn by history, culture, nature, or cuisine, San Antonio promises a rendezvous with the very soul of Texas.

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 Antonio, TX.

Weather Risks:

Temperature and Drought Hazards:

Extreme Heat:
Between 1985-2005, San Antonio typically experienced 8.0 days with temperatures exceeding 100.8ºF annually. By 2050, this number is projected to increase substantially, averaging about 49.0 days per year.

The Upper San Antonio watershed has experienced prolonged periods of drought, with 62% of weeks since 2000 seeing some level of drought. An alarming 16% of weeks since 2000 have witnessed Extreme or Exceptional drought conditions. Climate change is intensifying the risk of drought, necessitating adaptation measures by water utilities and property owners.

Precipitation and Flood-Related Risks:

Increased Precipitation:
An extreme storm in San Antonio is characterized by a 48-hour rainfall exceeding 0.8 inches. Historically, about 15.0" of rain fell over approximately 10 storms annually. By 2050, this is projected to marginally increase to about 15.6" of rain over roughly 11 storms each year.

20% of buildings in San Antonio are exposed to significant flood risk. 62 of the 567 census tracts in the city have over half their buildings at considerable risk from surface or riverine flooding. Climate change is amplifying flood risks due to rising sea levels and more extreme precipitation events.

Fire, Wind and other Weather Related Hazards:

A concerning 68% of buildings in San Antonio face the threat of wildfires, with a significant level of risk. Of the city's 567 census tracts, 460 have over a quarter of their buildings at significant fire risk, and 359 have more than half. The risk is especially high in areas adjacent to wildland due to proximity to vegetation. Climate change further escalates wildfire risks by creating hotter, drier conditions.

San Antonio's tornado index value stands at 156.22, which, while lower than the Texas average, is still higher than the U.S. average. This indicates a heightened possibility of tornado events in the region. Additionally, recent forecasts by the National Weather Service have warned of possible severe storms and damaging winds in the area.

Various Weather Extremes:
From 1950 to 2010, within 50 miles of San Antonio, there were notable occurrences of floods (776 incidents), hail (864 incidents), thunderstorm winds (539 incidents), and winter storms (15 incidents), among others. The city has also been alerted about potential risks like the recent red flag warning due to fire weather watch conditions.

Recommended Neighborhoods in San Antonio, TX.

Property Crime Rates in San Antonio, TX.

The historic city of San Antonio, Texas, known for the Alamo, the beautiful River Walk, and its rich cultural diversity, unfortunately, bears the weight of a high crime rate, with property crimes being a particular concern. A deeper understanding of this landscape is crucial for residents, visitors, and stakeholders aiming to create change.

Considering the data on San Antonio:


Homes in San Antonio are at a heightened risk of burglaries, and residents should actively pursue measures to counteract this threat. Installing advanced home security systems, using strong locks, and engaging in community watch programs can serve as effective deterrents.


Theft of items valued over $50, or larceny, is a prevalent crime in the city. Awareness and proactive measures, like not leaving valuables in plain sight in vehicles or homes and marking personal items with unique identifiers, can help curb such offenses.

Motor Vehicle Theft:

Alarmingly, San Antonio boasts one of the nation's highest rates of motor vehicle theft. Residents should be vigilant about parking in well-lit areas, consistently locking their vehicles, and investing in anti-theft devices. The reported 1 in 163 chance of experiencing a vehicle theft underscores the seriousness of this issue.


Though specific data isn't provided, arson, with its dual threat to both property and life, remains a concern. Regular maintenance of fire alarms, reporting of suspicious activities, and community awareness campaigns can be vital in addressing this crime.

The disconcerting statistics place San Antonio in the spotlight, especially when compared to cities of similar sizes. A concerted effort between the city's law enforcement agencies, community leaders, and residents is required. Implementing community policing, strengthening neighborhood watch programs, and public campaigns stressing crime prevention can be influential in reversing this trend.

San Antonio's vast community can also be its strongest asset. The city's numerous neighborhood associations, community groups, and local activists can join forces with law enforcement to devise effective strategies to reduce crime rates.

Choice of 6 insurance coverage in San Antonio, TX.

Yard and Garden Coverage:

What it is: Coverage that includes garden tractors, equipment, and plants, going beyond just landscaping.

Why it's needed: For homeowners who've invested in their yard and garden, this ensures their investments are protected.

Umbrella Liability:

What it is: Offers added liability coverage beyond the standard homeowners policy limits.

Why it's needed: Protects against large liability claims or judgments, especially important for individuals with significant assets.

Utility Line Protection:

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.

Military Personnel:

What it is: Protects against personal property loss for military members when deployed.

Why it's needed: Offers peace of mind to those serving their country, ensuring their property is safe.

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.

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 San Antonio, TX

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

Titan Factory Direct

Located inside Loop 410 and HWY 90 on the West side of San Antonio
Offers a wide selection of mobile homes, modular homes, and prefab homes
Various sizes and floor plans including single wide, double wide, and triple wide mobile homes
Full turnkey services, including land for trailer homes and site improvements
Address: 1950 SW Loop 410, San Antonio, TX 78227

181 South Homes Super Center

Offers deals on mobile homes, manufactured homes, and cross mod homes
Provides a stress-free home buying experience from customization to financing
Address: 12621 US-181, San Antonio, TX 7822
Phone: (210) 633-0429

Alamo Homes

Family-owned dealership offering mobile homes for sale
Buys used mobile homes within 50 miles of San Antonio, TX
Address: 13838 Southton Road, San Antonio, Texas 78223
Phone: 210-934-2209

Roosevelt Mobile Home Park

Clean, quiet mobile home and long-term RV park
Offers manufactured home lots and RV lots with amenities
Address: 2343 Roosevelt Avenue #157, San Antonio, Texas 78210
Phone: 210-534-8215

Oak Crest Pointe

Offers a community clubhouse, swimming pool, playscape, and more
Professional on-site management
Address: 6435 Crestway Dr., San Antonio, TX 78239
Phone: 210-655-6993 / 210-655-9449

Bosque De Las Lomas

Under new ownership/management with a commitment to improvement
Close to public transportation, major roads, shopping areas, and schools
Address: 1502 Holbrook Rd, San Antonio, TX 78218
Phone: (210) 879-8959

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

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

San Antonio is home to several historical sites like the Alamo. If you’re visiting these areas, especially during peak seasons, there could be increased foot traffic and tighter parking situations. Coverage for potential mishaps in such areas is vital.

San Antonio frequently experiences flash floods, particularly in its low-lying areas. Protecting your mobile home or RV against sudden flood damages is essential.

As with any large city, San Antonio has pockets where cr