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

Welcome to Victoria, Texas -the “Crossroads of South Texas,” where the gentle whispers of the Guadalupe and San Antonio Rivers echo stories of time long past. Steeped in rich history and cultural diversity, this idyllic city gracefully unites its historical roots with the vibrant pulse of modern life, inviting you on a journey of discovery, reflection, and unity.

As you meander through the sun-dappled streets of Victoria, embrace the warm greetings of a close-knit community, where generations have woven a tapestry of resilience, innovation, and camaraderie. Here, every corner hums with tales from eras gone by. The venerable Victoria County Courthouse stands as a beacon of justice and architectural splendor, its edifice recounting the annals of civic life since the late 19th century.

Venture into the realms of natural wonder that unfold within the verdant embrace of Riverside Park. Spanning over 560 acres, this lush haven invites you to wander along scenic trails, where the rustle of leaves and the harmonious chorus of native birds serenade your sojourn. As the Guadalupe River gently caresses the land, embark upon aquatic adventures that promise both thrill and tranquility, mirroring the diverse landscape of Victoria itself.

In the heart of the city, the Museum of the Coastal Bend unveils the multifaceted gem of regional history and heritage. Journey through time as you explore ancient artifacts, indigenous narratives, and the pioneering spirit that has shaped Victoria and its surroundings. The museum, a guardian of lore and legacy, bridges the past and the present, fostering a profound connection with the roots that anchor the community.

Yet, beyond the echoes of history, the melody of contemporary life resounds in Victoria's thriving arts and cultural scene. The Victoria Symphony Orchestra, a harmonious collective of local talent, enlivens the cityscape with resounding performances that stir the soul and ignite the imagination. Let the music's embrace sweep you into a dance of joy and creativity, celebrating the artistic heartbeat that pulses within the city's bounds.

Explore the burgeoning culinary panorama of Victoria, where flavors from diverse traditions meld to tantalize the palate. Savor the warmth of Texas barbecue, the zest of Mexican cuisine, and the comforting embrace of homestyle fare, reflecting the mosaic of cultures that enrich the fabric of community life.

In Victoria, the confluence of rivers mirrors the harmonious blend of history, nature, and modern vitality, crafting a landscape ripe for exploration, inspiration, and shared connection. Immerse yourself in the multifaceted allure of this Texas jewel, where the rivers of history and harmony perennially flow. Welcome to Victoria, a sanctuary where every moment echoes the gentle murmur of waters, telling tales of unity, adventure, and enduring Texas spirit.

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 Victoria, TX.

Weather Risks:

Tornado Risk in Victoria, TX:

Description: With a Tornado Index value of 109.99, Victoria has a lower tornado risk compared to the Texas average but higher than the U.S. average. The area is not immune to tornado events, which can cause significant damage and pose a risk to life and property.

Potential Impacts: Damage to porches, awnings, carports, sheds, and unanchored mobile homes. Unsecured lightweight objects blown about.

Implications for Mobile/Manufactured Home and RV Owners: Mobile and manufactured homes are more vulnerable to tornado damage, as high winds can easily uplift or overturn these structures. It’s crucial for owners to: Secure outdoor objects and anchor homes properly. Have a robust emergency plan, including a safe place to seek shelter during a tornado.

Flood Risk in Victoria, TX:

Description: Frequent flood events are reported in Victoria, with a significant count of 365 flood events recorded from 1950 to 2010.

Potential Impacts: Flooding of small creeks, streams, urban areas, highways, streets, underpasses, and other low-lying areas. Specific areas in Victoria County, such as Victoria, Guadalupe, and Victoria Regional Airport, are prone to flooding.

Implications for Mobile/Manufactured Home and RV Owners: Floods can submerge mobile homes and RVs, causing substantial damage. Owners should: Be prepared to evacuate quickly. Ensure their homes are located in areas with adequate drainage systems.

Other Weather Extremes in Victoria, TX:

Description: Victoria experiences a range of other weather extremes including hail, heat, heavy snow, ice storms, strong wind, and winter weather.

Potential Impacts: Severe weather events may cause damage to structures, vehicles, and vegetation. Increased risk for pest activity due to changes in weather conditions.

Implications for Mobile/Manufactured Home and RV Owners: Owners should take precautions against various weather extremes: Reinforce their homes to withstand hail, high winds, and snow. Ensure proper insulation to cope with extreme temperatures. Eliminate standing water to prevent pest breeding grounds.

Owners of mobile/manufactured homes and RVs in Victoria, TX should be aware of these weather risks and take appropriate steps to mitigate potential damage. Preparedness includes staying informed about weather updates, having an evacuation or safety plan, and ensuring homes are reinforced to withstand extreme weather conditions. Proper insurance coverage is also essential for financial protection against weather-related damages.

Recommended Neighborhoods in Victoria, TX.

Property Crime Rates in Victoria, TX.


General Crime Rate: Among the highest in America, with a rate of 32 per one thousand residents.
Chance of Becoming a Victim:
Overall: 1 in 31
Violent Crime: 1 in 178
Property Crime: 1 in 38
Comparison with Similar Communities: Crime rate significantly higher than communities of similar size.
Violent Crime:
Among the highest rates in the nation. Types include rape, murder, armed robbery, and aggravated assault.
Property Crime:
Also considerably high. Types include burglary, larceny, motor vehicle theft, and arson.


Enhanced Security Measures:
Invest in robust home security systems and personal safety measures.
Stay Informed and Vigilant:
Keep up with local news and community alerts. Maintain awareness of your surroundings and report suspicious activities.
Community Engagement:
Engage in or establish neighborhood watch programs. Coordinate with local law enforcement and community organizations for safety initiatives.
Property Safety:
Secure vehicles, homes, and belongings consistently. Consider additional insurance coverage for properties.
Personal Safety Education:
Educate yourself and family members about personal safety and self-defense techniques.

Choice of 6 insurance coverage in Victoria, TX.

Animal Liability:

What it is: Covers liabilities if a pet injures someone or causes property damage.

Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.

Scheduled Personal Property Coverage:

What it is: Increases the coverage amount for specific, valuable personal property items.

Why it's needed: Standard policies might not fully cover high-value items. This customization ensures adequate coverage.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

In Motion:

What it is: Coverage specifically designed for mobile homeowners who frequently relocate their homes, offering protection against damages or losses that might occur while the manufactured home is being transported or is "in motion."

Why it's needed: Provides financial security against various risks such as accidents, adverse weather conditions, or other unforeseen events when transporting a mobile home.

Personal Property Replacement Cost:

What it is: Covers the cost of replacing personal belongings at current market prices without considering depreciation.

Why it's needed: Assures homeowners can replace items without worrying about their depreciated value.

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 Victoria, TX

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

A-1 Homes Victoria

A-1 Homes is a full-service provider of manufactured homes in Victoria, Texas.
Founded in 1969 by John Bushman, they've helped over 100,000 families find affordable homes.
They offer homes from various manufacturers like Cavco, Champion Homes, Fleetwood Homes, and more.

Shalom Village For Mobile Homes

Shalom Village is an all-ages community located at 4507 John Stockbauer, Victoria, TX 77904.
This community, built in 1977, offers 25 sites and features recreational facilities.
It is not restricted by age, and it's about 5.4 miles from water.

Manufactured Housing Consultants Victoria

Manufactured Housing Consultants Victoria is a premier company in Victoria, Texas, offering a wide range of mobile, modular, and tiny homes. They provide competitive financing programs and even have a credit repair program.
With a dedicated team, they help individuals with varying credit histories realize their dream of homeownership.

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

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

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

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

Reasoning: Upgrading to energy-efficient windows can enhance insulation and reduce energy costs. This coverage provides protection for the installation of energy-efficient windows in your mobile home.

Reasoning: Tyler has an arts district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: Texas can experience tornadoes. This coverage provides protection for your RV and belongings in case of tornado-related damages while in RV parks.

Reasoning: If you frequent Riverside Park, this coverage offers protection for your RV while parked at this specific park.

Now that you've got the lowdown on mobile home insurance coverage in Victoria TX, don't hesitate to get a CoverTree quote now.