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Protecting Your Manufactured Home in Temple TX.

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Disclaimer: Data Accuracy and Sources

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 Temple, TX: Costs, Coverage, and Considerations

Welcome to Temple, Texas -a beacon of health, heritage, and harmony in Central Texas!

Tucked away in the heart of Central Texas, Temple stands as a city where history resonates, community thrives, and opportunities abound. With its origins rooted in the railroad industry and its modern reputation as a medical hub, Temple masterfully blends the nostalgia of yesteryears with the promise of tomorrow, inviting exploration, growth, and connection.

The tale of Temple began in the late 19th century with the Santa Fe Railroad. Established primarily as a railroad town, it was aptly named in honor of Bernard Moore Temple, a civil engineer and railroad official. The railroad's influence is indelibly imprinted in the city's DNA, with the historic Santa Fe Depot standing as a poignant reminder of Temple's genesis and its significant role in the American Westward Expansion.

Beyond the tracks and trains, Temple's prominence in the realm of medicine is undeniable. Recognized as a regional medical center, the city is home to world-class healthcare institutions. The Olin E. Teague Veterans’ Medical Center and the Baylor Scott & White Medical Center are not just landmarks but testimonies to Temple's commitment to health, healing, and innovation.

While modernity has sculpted much of the city's landscape, Temple hasn't lost touch with its historical and cultural roots. The Temple Railroad and Heritage Museum offers an immersive journey into the city's past, showcasing its significance in the annals of Texas railroad history. Meanwhile, the Czech Heritage Museum and Genealogy Center stands as a celebration of the area's rich Czech immigrant legacy, preserving and presenting artifacts, traditions, and stories.

Nature has also generously adorned Temple. The city is dotted with numerous parks and recreational areas, with Miller Springs Nature Center being a particular highlight. This haven of tranquility, situated below the Belton Dam, offers scenic trails, diverse ecosystems, and panoramic views of the Leon River, making it a favorite for both locals and visitors.

Community spirit shines brightly in Temple, with events such as the Bloomin' Temple Festival serving as annual rendezvous for celebration, music, and camaraderie. For the performing arts enthusiast, the Temple Civic Theatre and the Cultural Activities Center offer a rich roster of plays, performances, and artistic endeavors.

On the culinary front, Temple provides a melange of flavors. From traditional Texas barbecue joints to diverse international cuisines, the city's eateries capture the essence of Central Texas's multicultural palate.

An often-overlooked facet of Temple is its commitment to education and learning. The city boasts a range of institutions and initiatives aimed at fostering knowledge, creativity, and growth, ensuring the next generation inherits a legacy of innovation and community spirit. In the grand tapestry of Texas, Temple emerges as a city of resilience, reinvention, and relationships. It's a place where the chug of the old locomotives harmonizes with the buzz of modern hospitals, where community festivals brighten historic streets, and where every corner has a story waiting to be told. For those seeking a blend of Texan heritage, medical excellence, and community warmth, Temple awaits with open arms and a rich tapestry of experiences.

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 Temple TX.

Weather Risks:

Tornado Risk

Temple's tornado index stands at 246.34, which is significantly higher than both the Texas average (208.58) and the U.S. average (136.45). This suggests a considerably elevated risk of tornadoes in the region.

Comparative Index:
Temple's tornado risk is about 80% higher than the national average and about 18% higher than the state average. Given Texas' tornado-prone nature, Temple's elevated index indicates a substantial tornado threat.

Historical Data:
Over the years, there have been multiple weather extreme events around Temple. Particularly concerning are the 1,011 incidents related to thunderstorm winds and 1,163 hail occurrences, which often accompany tornadoes.

Preparation & Safety Tips:
Awareness: Be familiar with local emergency alert systems, like the EAS and NOAA Weather Radio.

Safe Shelter:
Identify and regularly practice getting to a safe location, such as a basement, storm shelter, or an interior room on the ground floor.

Include pets in your emergency plan, ensuring they have a safe shelter location. Supplies: Assemble an emergency preparedness kit, including food, water, medication, and communication tools.

Flood and Severe Weather Risk

Temple has experienced a significant number of flood events (466) over the past 60 years. Coupled with various other weather extremes like hail (1,163) and drought (96), there's a broad spectrum of weather-related risks in the region.

Winterizing Irrigation Systems:
Protecting water systems is crucial. Ensure to insulate exposed pipes and regularly drain sprinkler systems to prevent freezing and damage.

Driving in Severe Weather:
Avoid unnecessary travel during extreme weather. When on the road, ensure your vehicle's wipers work effectively and always use headlights in reduced visibility conditions. Slow down and maintain safe distances.

Cold Weather and Power Outages

While heat events (11) are less frequent compared to cold-related occurrences like ice storms (12) and heavy snow (13), power outages during winter months can be particularly hazardous.

Preparation & Safety Tips:

Staying Warm:
Use insulation techniques like closing blinds and curtains, blocking drafts with towels, and wearing multiple layers of clothing. Protecting The 4 P's: Ensure that everyone dresses warmly, pets have a warm shelter, pipes are insulated, and plants are protected from frost.

Heating Safely:
Use space heaters with caution, ensuring they are stable, kept away from combustibles, and always supervised. Maintain good ventilation to avoid carbon monoxide poisoning and avoid using unconventional heating methods, like stovetops.

Recommended Neighborhoods in Temple, TX.

Property Crime Rates in Temple, TX.

Temple, a city rich in Texan charm, finds itself confronting crime rates that cast a shadow over its appeal.

With 23 crimes per 1,000 residents, Temple's crime rate necessitates a closer look, particularly at property crimes. A resident of Temple faces a 1 in 50 chance of encountering a property crime. While this is not the highest in the nation, it is still considerably alarming and serves as an impetus for understanding the nature of these offenses in the city.

Diving deeper into the various facets of property crime in Temple:


One of the most distressing property crimes, burglary infringes upon a resident's sense of security. It is essential for homeowners and renters in Temple to be proactive, employing home security systems, motion sensors, and robust neighborhood watch initiatives to deter potential burglars.


Encompassing thefts that involve assets valued over $50, larceny remains a prevalent concern in many communities. It's pivotal for residents to maintain vigilance, avoid leaving personal items unattended, and consistently safeguard their belongings to counteract this crime.

Motor Vehicle Theft:

While the data doesn't specify how Temple fares exclusively in terms of vehicle theft, the broader property crime rate suggests it's a component to be wary of. Residents should employ anti-theft mechanisms, avoid leaving items visible in parked vehicles, and ensure vehicles are locked securely.


Although the precise frequency of arson in Temple isn't distinctly highlighted, its categorization indicates a level of occurrence. This crime has implications far beyond property damage, potentially risking lives. Strategies to counteract arson include ensuring properties are well-lit, installing surveillance, and fostering close community ties.

Considering Temple's position relative to similarly sized cities, its property crime rate, while not exceptionally high, is still noteworthy. Residents and local authorities must foster a collaborative approach to crime prevention.

Choice of 6 insurance coverage in Temple, 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.

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.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

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.

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 Temple, TX

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

Solitaire Homes of Temple

Offers manufactured homes located at 6119 S General Bruce Dr, Temple, TX 75702
Open hours vary, call for details: Mon - Thu: 8 am - 7 pm, Fri: 8 am - 6 pm, Sat: 9 am - 6 pm, Sun: By
Appointment Only
Phone: 254-933-3334
Provides a range of manufactured homes, with a focus on quality and style

Santa Fe Trails Mobile Home Community

Offers affordable mobile home living
Located at 1618 W. Avenue H, Temple, TX 76504
Features shaded sites and manufactured homes
Phone: (254) 410-0993

Belaire Junction RV Park

Located at 13103 NE H K Dodgen Loop, Temple, Texas 76501
Offers RV sites with basic cable TV, Wi-Fi, private showers, clean restrooms, laundry facility, clubhouse, splashpad, playground, firepit, and two dog parks
Phone: +1 (254) 314-8033

Briar Flats RV Resort and Stables

Offers full hookups RV pads with sewage water and 20/30/50 amp service
Located at 14100 Texas Highway 317, Temple, Texas 76504
Provides security cameras, shower facilities, restrooms, swimming pool, playground, dog park, free Wi-Fi, pavilion for BBQs and parties, and more
Phone: (254) 654-2373

Broxton's Belton Lake RV Park

Located at 5928 Cedar Ridge Park Road, Temple, TX 76502
Offers paved sites with utilities included, and family-friendly amenities
Phone: (254) 228-6546

Belton RV Park

Located at 2905 South IH 35, Belton, TX 76513
Offers RV spaces with amenities like an in-ground pool, Wi-Fi, dog park, laundry, showers, rec room, exercise room, and more
Phone: (254) 939-1961

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

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