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

Welcome to Sugar Land, Texas -where modern vibrancy and rich history seamlessly blend, offering a taste of prosperity, community, and natural beauty. In the heart of Fort Bend County, this gem unfolds as a tableau of harmonious living and Texan spirit, its roots delving deep into the annals of a sugar plantation past.

As you stroll along the streets of Sugar Land, you're cradling the legacy of a city named after the imperial sugar industry that once adorned its land. Today, the city stands as a testament to growth and innovation while cherishing the sweet remnants of its historical origins. The Imperial Sugar Company, an enduring symbol, whispers tales of early 20th-century endeavors that helped shape the character of present-day Sugar Land.

Amidst the hum of contemporary life, the natural allure of Sugar Land is a melody that plays in harmonious tune. Oyster Creek Park invites you to a serene embrace where trails wind through lush landscapes and waters mirror the vast Texas sky. The verdant arms of the park cradle you, whispering stories in the rustle of leaves and the gentle caress of the breeze.

Unveil the layers of Sugar Land’s cultural mosaic at the Houston Museum of Natural Science at Sugar Land. Embark on a journey through time and space, where exhibits unfold the wonders of the universe and the rich tapestry of Earth’s biodiversity. In Sugar Land, the thirst for knowledge and the allure of discovery are quenched, igniting the spark of lifelong learning.

Yet, beyond the realms of history and nature, the pulse of modernity beats strongly in Sugar Land's heart. The Smart Financial Centre, a crown jewel of entertainment, lights up the city's cultural panorama with a dazzling array of performances. Here, music, theater, and art converge, painting the canvas of the city with hues of creativity and expression.

Venture to the Sugar Land Town Square, where the heartbeat of the community resonates in the eclectic mix of shops, restaurants, and events. The Square, a nexus of activity and camaraderie, embodies the warm embrace of Sugar Land’s residents, whose smiles weave the threads of unity and friendship.

In Sugar Land, explore the corridors of history, wander through the landscapes of natural beauty, and savor the sweetness of a community rooted in harmony and prosperity. Let the echoes of the past mingle with the melodies of the present, crafting a symphony that serenades your Sugar Land adventure. Embark upon this journey in the land where sweetness and substance dance in eternal embrace, and let each moment blossom in the warmth of Texan hospitality. Welcome to Sugar Land, a place where every story is a verse in the sonnet of vibrant living and celebration.

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 Sugar Land, TX.

Weather Risks:

Flood Risk in Sugar Land, TX

Description: Sugar Land, Texas is susceptible to flooding, which poses significant risks to life and property. Heavy rainfall can quickly lead to high water levels, affecting various areas in the city.

Implications for Mobile/Manufactured Home and RV Owners: Mobile and manufactured homes are particularly vulnerable to flood damage. Floodwaters can compromise the structural integrity of these homes, leading to significant repair costs or total loss. It’s essential for mobile and manufactured home owners and RV owners to: Ensure their homes are properly anchored to resist flotation, collapse, or lateral movement. Be vigilant about monitoring weather reports for potential flooding and have an evacuation plan ready.

Tornado Risk in Sugar Land, TX

Description: With a Tornado Index value of 305.21, Sugar Land has a higher chance of tornado events compared to the average in Texas and the U.S.

Implications for Mobile/Manufactured Home and RV Owners: Tornadoes pose a significant threat to mobile and manufactured homes and RVs as these structures often cannot withstand the high wind speeds. Owners should: Have a plan to move to a sturdy, permanent building well before the storm approaches. Ensure they are signed up for local alerts and warnings to stay informed about any tornado watch or warning.

Other Weather Extremes in Sugar Land, TX

Description: Sugar Land has recorded various other weather extremes events including hail, heat, and thunderstorm winds, which can cause significant damage.

Implications for Mobile/Manufactured Home and RV Owners: Other weather events like hail and thunderstorm winds can cause substantial damage to the exterior of mobile homes and RVs, and heat waves can exacerbate existing issues or create uncomfortable living conditions. Investing in reinforced roofing, siding, and window protection can help minimize damage from hail and high winds. Ensure adequate insulation and ventilation for protection against extreme heat conditions.

In all situations, adequate insurance coverage and regular maintenance are essential for mitigating risks and ensuring the safety and longevity of mobile and manufactured homes and RVs in extreme weather conditions

Recommended Neighborhoods in Sugar Land, TX.

Property Crime Rates in Sugar Land, TX.


General Crime Rate: Higher than national average, but lower compared to similar-sized cities.
Chance of Victimhood:
Overall: 1 in 69
Violent Crime: 1 in 1272
Property Crime: 1 in 73
Violent Crime Rate: Significantly below national average.
Property Crime Rate: Above national average.


Property Security: Prioritize the security of mobile homes and RVs by using high-quality locks and security systems.
Area Awareness: Be aware of the neighborhoods and areas, especially those with higher crime rates.
Community Connection: Connect with local community for updates and support.
Insurance: Ensure comprehensive insurance coverage for property and valuables.
Local Law Enforcement: Stay informed about local law enforcement initiatives and guidelines for property owners.

Choice of 6 insurance coverage in Sugar Land, TX.

Sinkhole Coverage:

What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock.

Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.

Earthquake Coverage:

What it is: Offers protection against damages from seismic activities such as earthquakes and tremors.

Why it's needed: Standard policies usually exclude earthquake damage. It's vital in earthquake-prone regions.

Loss of Rent Coverage:

What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.

Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.

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.

Cyber Security Coverage:

What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.

Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.

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 Sugar Land, TX

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

Eagle Ridge

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

Redwood at the Lake

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

Highland Acres

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

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

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

Reasoning: Sugar Land is situated near the Brazos River, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: Brazos Bend State Park offers outdoor adventures. This coverage provides specialized protection for your RV and belongings during your trips to the park.

Reasoning: Upgrading to an energy-efficient HVAC system can lower energy costs. This coverage provides protection for the installation of such a system in your mobile home.

Reasoning: Sugar Land has a heritage foundation. This endorsement offers discounts for mobile homes located within or near this foundation’s area.

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

Reasoning: If you visit Brazos Bend State Park frequently, 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 Sugar Land TX, don't hesitate to get a CoverTree quote now.