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Protecting Your Manufactured Home in San Marcos 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 Marcos, TX: Costs, Coverage, and Considerations

Welcome to San Marcos, Texas -a gem of natural beauty and ancient mysteries in the Texas Hill Country!

Nestled between the bustling urban centers of Austin and San Antonio, San Marcos emerges as a captivating blend of natural wonders, ancient history, and a lively contemporary scene. With the shimmering San Marcos River at its heart, this Texas Hill Country city offers a treasure trove of experiences that both soothe the soul and stir the imagination.

The story of San Marcos is as old as time itself. Archaeological finds indicate that the area has been continuously inhabited for over 10,000 years, making it among the oldest known inhabited sites in the Americas. This rich tapestry of human history is beautifully showcased at sites such as the Meadows Center for Water and the Environment, where glass-bottom boat tours provide glimpses into the clear springs and underwater archaeological treasures.

The San Marcos River, spring-fed and crystal clear, is undeniably the lifeblood of the city. It meanders gently through town, providing both scenic beauty and a hub for countless recreational activities. Tubing down its gentle currents is a rite of passage for many, while others might prefer kayaking, snorkeling, or simply basking by its banks, letting the world drift by. Beyond the river's allure, San Marcos boasts a vibrant arts and cultural scene. The city is home to Texas State University, and with it comes a pulsating energy of youth, creativity, and innovation. This academic influence infuses the city with cultural events, theater performances, and music festivals.

Shopping enthusiasts have long revered San Marcos for its expansive outlet malls, which rank among the largest in the United States. But beyond these retail giants lies a charming downtown district, with local boutiques, antique shops, and eateries offering a more intimate shopping experience.

Nature lovers find solace in places like the Purgatory Creek Natural Area, a sprawling preserve with trails meandering through diverse ecosystems, offering glimpses of the region's flora and fauna. The Wonder World Park, a unique Texas State Historical Site, features an earthquake-formed cave and offers an intriguing exploration of the subterranean world.

One of the city's lesser-known treasures is its commitment to preserving endangered species. The San Marcos Aquatic Resources Center is at the forefront of efforts to protect and rehabilitate species native to the springs and waterways of the region.

San Marcos's culinary scene is as diverse as its history. From authentic Tex-Mex delights to innovative global fusion, the city's eateries are a testament to its rich cultural influences and innovative spirit.

In essence, San Marcos is where ancient springs whisper tales from millennia past, where verdant landscapes beckon, and where the vibrancy of modern life unfolds against a backdrop of timeless beauty. Whether drawn by its historical mysteries, natural allure, academic vigor, or cultural tapestry, visitors to San Marcos are promised an encounter with the enchanting heart of the Texas Hill Country.

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 Marcos TX.

Weather Risks:

Flood Risk

San Marcos stands prominently exposed to flood risks, with 3,111 properties identified to have a major flood threat over the next 30 years. This equates to an alarming 32% of all properties in the city.

Residential Properties:
Out of 9,800 homes, 3,248 (or 33%) face a major flood risk. This suggests that one in every three homes has a significant chance of flooding, which could result in property damage, displacement, or loss of valuables.

184 miles of the total 400 miles of roads in San Marcos, or 46%, are at a major risk of flooding. Such roads can become impassable, disrupting travel and posing potential dangers to drivers unfamiliar with the area.

Commercial Properties:
San Marcos has 349 out of 844 commercial properties at a severe flood risk. This is 41% of all commercial entities, indicating a substantial threat to the local economy, job security, and business continuity.

Social Facilities:
These serve as the backbone for community gatherings, educational activities, and social interactions. 15 out of 51 social facilities, or 29%, face severe flood risks, which could disrupt community services and events.

Tornado Risk

The tornado index places San Marcos at 170.75, suggesting a heightened tornado risk compared to the U.S. average but slightly less than the Texas state average.

Comparative Index:
The U.S. average tornado index is 136.45, and the Texas average stands at 208.58. This means San Marcos's tornado risk is approximately 25% higher than the national average.

While it's below the state average, it's crucial to remember Texas is one of the more tornado-prone states, and thus San Marcos's risk is still significant on a broader scale.

Heat Risk

San Marcos faces a severe risk from increasing temperatures. The entire residential zone, constituting 100% of homes, is under a Severe Heat Factor.

Heat Distribution:
Remarkably, out of the total properties in San Marcos, 14,254 are at risk due to heat. The severe category alone encompasses 14,300 properties, while one property falls under the extreme category. This suggests that nearly every home in San Marcos faces the challenges of intense heat, which can affect residents' health, increase energy bills, and strain local energy resources.

Given these risks, it's paramount for residents and authorities in San Marcos to maintain awareness, develop preparedness plans, and undertake mitigation measures. Whether it's floodproofing properties, creating tornado shelters, or improving home insulation against heat, proactive steps can make a significant difference.

Recommended Neighborhoods in San Marcos, TX.

Property Crime Rates in San Marcos, TX.

Located between Austin and San Antonio, San Marcos, Texas, is renowned for its beautiful river, vibrant student population, and a burgeoning local culture. However, with 30 crimes per 1,000 residents, a cloud of concern hovers over this city. Delving into the intricacies of the crime landscape, especially property crime, is crucial for both residents and potential visitors.

Considering the data on San Marcos:


An invasive crime that disrupts the sense of security in one's home, burglary poses significant concerns. San Marcos residents should be proactive in countering this. Measures include setting up home surveillance, using deadbolt locks, and ensuring windows and entry points are securely locked when not in use.


Covering thefts of items valued over $50, larceny is a common property crime. The emphasis on preventative measures cannot be overstated: Residents should always be cautious about leaving valuable items in plain view, either in cars or near windows at home, and should consider engraving personal identifiers on valuable objects to deter theft and assist in recovery.

Motor Vehicle Theft:

Though the exact numbers specific to vehicle theft in San Marcos aren't detailed, its inclusion in the broader property crime category is noteworthy. Residents should utilize anti-theft devices, always lock their vehicles, and be cautious about where they park, especially during nighttime.


While not frequently highlighted in many crime reports, arson has ramifications beyond just property damage. Residents should report any suspicious activity and ensure that their homes are equipped with functioning smoke alarms and fire extinguishers.

Given San Marcos' position in comparison to similar-sized cities, its property crime rate is alarmingly high. Collaborative efforts between law enforcement, local government, and residents can play a pivotal role in addressing this. Community policing initiatives, neighborhood watch programs, and public education campaigns about crime prevention can all contribute to a decline in these numbers.

Furthermore, San Marcos' vibrant student population can be an asset. Universities can run awareness campaigns, offer self-defense classes, and collaborate with local police to ensure the safety of their students, which in turn benefits the broader community.

Choice of 6 insurance coverage in San Antonio, TX.

Appliance Leakage:

What it is: Coverage for damages specifically caused by leaks from appliances.

Why it's needed: Appliances can sometimes malfunction, leading to expensive water damages.

Mudflow Protection:

What it is: Protection against damage caused by mudflow.

Why it's needed: In areas prone to heavy rains or near mountains, mudflows can pose a significant risk.

Windstorm and Hail Coverage:

What it is: Protects against damages from windstorms and hail.

Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.

Business Property:

What it is: Extends coverage to business property stored or used in the home.

Why it's needed: For those who run a home-based business or store business items at home, it ensures they're financially protected.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

Equipment Breakdown:

What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.

Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.

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 Marcos, TX

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

Hunter Road Mobile Village

All-ages manufactured home community located at 2805 Hunter Rd, San Marcos, TX 78666
Built in 1990 with 20 home sites Home site lot rent ranges from $475 - $725 per month and includes trash pickup and water
Paved streets, average street width Water sourced from the city, city-provided sewer system
Phone: (512) 396-2252


All-age community located at 289 Silver Peak Drive, San Marcos, TX 78666
Offers various amenities including a swimming pool, basketball courts, fitness facility, and more
Situated in the Hays County Independent School District
Phone: 888-459-2708

River Acres RV Park

Offers trails, Guadalupe River access, and outdoor recreational activities
Located at 55 Breiger Rd, Gonzales, TX 78629
Phone: Main: (210) 910-2822

San Marcos Springs RV Park

Located in the heart of beautiful San Marcos, Texas
Offers access to nearby waterways and outlet malls
Full hook-ups, shaded location Address: 1334 North IH 35, San Marcos, Texas 78666
Phone: (512) 665-0509 Cell

Blind Salamander RV Park

40-space park with full hookups, 50 and 30 amp electric, water, and sewage hookup
Access to the San Marcos River Located at 1750 North Old Bastrop
Road, San Marcos, Texas 78666
Phone: Office - 512-392-1512

Schatziland RV Resort

Outdoor recreation and camping park with larger RV accommodations
Features trails, pond, pool, community center, and recreational games
Located at 3169 Florence Street, San Marcos, TX 78666
Phone: (737) 221-3331

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

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