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

Welcome to Beaumont, Texas -a town bestowed with enchanting rivers, lush forests, and authentic Southern hospitality!

Positioned near the Louisiana border and enveloped by the waters of the Neches River, Beaumont offers a uniquely textured experience that transcends conventional southern norms. It’s a place where the whispers of the past intersect with the rhythms of today, painting a captivating portrait of the Lone Star State.

History pervades the very air of Beaumont, from its early days as a lumber town to its transformative years following the discovery of oil at Spindletop Hill. This momentous event ignited the Texas oil boom and propelled Beaumont into an era of prosperity and change. Historic landmarks, such as the Spindletop-Gladys City Boomtown Museum, capture the essence of this seismic shift, offering visitors a window into the rugged industrial ingenuity that has shaped both the city and the nation.

However, Beaumont's story isn't limited to its human-made accomplishments. Mother Nature has also been generous, offering a plethora of outdoor experiences that range from the serene to the exhilarating. Kayak down the Neches River to encounter its natural splendor, or immerse yourself in the biodiversity of the Big Thicket National Preserve—a wondrous mix of ecosystems where swamp meets forest and marshland.

But there’s more to Beaumont than its industrial legacy and natural attractions. The city is a thriving cultural center where art and community converge in a celebration of southern charm and creativity. The Art Museum of Southeast Texas and the Beaumont Civic Ballet are just two examples of institutions that serve as cultural hubs, bringing both residents and visitors closer to the creative heart of the city.

Birdwatchers will find a paradise in the Cattail Marsh Scenic Wetlands & Boardwalk. This unique location offers 900 acres of scenic wetlands along with a variety of opportunities to see diverse bird species, making it a must-visit spot for nature enthusiasts.

In the heart of the city, the Edison Museum pays homage to innovation by showcasing the life and achievements of Thomas Edison. This tribute to human ingenuity complements Beaumont’s own rich history of industrial achievements, forming a continuum from past ingenuity to present-day innovation.

Unearth Beaumont’s hidden gems as well. Did you know that the city is home to some of the finest Cajun cuisine in the state, a nod to its proximity to Louisiana? Culinary explorers will revel in the diverse food scene that incorporates Texas barbecue, international flavors, and fresh Gulf seafood.

From the oil derricks that speak to its transformative industrial past to the untamed beauty of its natural preserves, Beaumont stands as a multifaceted jewel in the crown of Texas heritage and culture. Whether you're in search of an outdoor adventure, a historical journey, or a cultural exploration, Beaumont invites you to experience its many wonders. Come discover this richly woven Texan tapestry, and let its diverse threads weave through your own set of unforgettable memories.

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 Beaumont, TX.

Weather Risks:

Extreme Wind Events (Including Hurricanes and Tornadoes)

Description: Beaumont has an Extreme Wind Factor risk, making it particularly vulnerable to hurricanes, tornadoes, or severe storms. Wind events can be highly destructive, capable of tearing off roofs and overturning mobile/manufactured homes and RVs.

Implications for Mobile/Manufactured Home and RV Owners: Due to the lightweight construction and lack of a permanent foundation, these types of homes are particularly vulnerable. Owners should consider installing storm shutters for windows and perhaps even a wind-resistant "roof over" to provide an extra layer of protection. Evacuation to a safer, more robust structure is often the best course of action when a severe wind event is forecasted. Emergency planning should include secure storage for important documents and valuables, which can be quickly accessed in case of sudden evacuation.


Description: Beaumont is likely to experience significant flooding affecting thousands of properties over the next 30 years.

Implications for Mobile/Manufactured Home and RV Owners: These homes are generally more susceptible to flood damage due to their lower elevation. Consider relocating the home to a higher elevation, if possible, or retrofitting the home to raise it above potential flood levels. Flood insurance is strongly recommended, even for those not in designated flood zones. Keep an emergency kit ready and have an evacuation route planned out.

Extreme Heat

Description: Beaumont is expected to see a 242.9% increase in the number of days over 110°F in the next 30 years. Extreme heat and humidity significantly increase the potential for heat-related illnesses.

Implications for Mobile/Manufactured Home and RV Owners: Many older mobile homes are not as well-insulated as traditional homes, making them heat sinks in extreme conditions. Air conditioning or effective cooling systems are essential. It might be necessary to upgrade the home's electrical system to handle a more powerful A/C unit. Install shades, reflective material, or awnings to help reduce heat absorption. In extreme heat events, it might be safer to relocate temporarily to a cooler environment, like a community cooling center.

Given the variety of risks, comprehensive insurance that covers flooding, wind damage, and other extreme weather events is highly advisable for homeowners in Beaumont, TX.

Recommended Neighborhoods in Beaumont, TX.

Property Crime Rates in Beaumont, TX.

Position in Texas:

Overall Crime Rate: 36 per 1,000 residents
Chance of Becoming a Victim: 1 in 27

Comparison with Texas and the U.S.

State Comparison: Baytown has a higher crime rate than 95% of Texas cities and towns.
National Comparison: The town has one of the highest crime rates in the U.S., affecting communities of all sizes.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 3; chance of becoming a victim is 1 in 286.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Note: Baytown has a higher murder rate compared to most communities of all sizes in the nation.
Property Crime Rate: 33; chance of becoming a victim is 1 in 30.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary. Motor Vehicle Theft: Exceptionally high rate with a chance of 1 in 179 of having your vehicle stolen.

Key Points

Comparable Cities: When compared to other communities of similar population size, Baytown has a crime rate that is significantly higher than average.
Violent Crime: Violent crime in Baytown occurs at a rate higher than most communities in America. The town also has one of the nation's higher murder rates.
Property Crime: A significant portion of the crime in Baytown is property crime, including an alarmingly high rate of motor vehicle theft.

Baytown, Texas, has significant challenges related to both violent and property crimes. Its crime rates are considerably higher both in the state of Texas and in the U.S. The town faces issues with high rates of violent crimes, including an elevated murder rate. Property crimes, particularly motor vehicle theft, are also a major concern. These findings suggest that Baytown needs urgent, comprehensive interventions, such as increased law enforcement, community outreach, and social programs, to improve safety and quality of life for its residents.

Choice of 6 insurance coverage in Beaumont, TX.

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.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

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.

Golf Cart Coverage:

What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.

Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.

Enhanced Roof Replacement:

What it is: Offers extra funds to replace roofs with eco-friendly materials.

Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.

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.

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 Beaumont, TX

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

East Texas Home Center (Lumberton, Texas)

Location: 2535 US-69 Lumberton, Texas 77657

Contact: (409) 227-0621

Business Hours: Mon-Thurs 9 am - 6 pm, Fri 9 am - 5 pm, Sat 9 am - 4 pm, Closed Sun

Overview: East Texas Home Center offers affordable single-wide and double-wide homes with various financing options. They claim to have the best prices in Texas, matching or beating any deal, and accept trade-ins.

Services: They provide a stress-free buying experience, low-pressure sales, complete turn-key construction, delivery, installation, setup, and have a service center. They also offer home insurance and land package assistance.

Manufacturers: Sunshine Homes, Kabco, Jessup, Platinum Cottages, and more.

Additional Information: East Texas Home Center is known for its wide selection, knowledgeable staff, and immediate home delivery. They serve both Texas and Southwest Louisiana.

Country Livin' RV Park (Orange, Texas)

Location: 6095 S. Burton Road, Orange, Texas 77630

Contact: 409-745-4242

Overview: Country Livin' RV Park provides a peaceful, countryside atmosphere with city conveniences. They offer amenities like free Wi-Fi, cable TV services, laundry facilities, air-conditioned and heated bathrooms, spacious sites with hook-ups, and a horseshoe pit. The park welcomes well-behaved pets and is close to various attractions.

Additional Information: The RV park is situated on a 120-acre ranch at the end of a residential road, ensuring a quiet environment. It's also convenient for workers in the area's refineries.

Wenwood Village Mobile Home Park (Beaumont, Texas)

Location: 5435 Fannett Road, Beaumont, TX 77705

Park Manager: Patricia Cox / 832-422-7368

Overview: Wenwood Village Mobile Home Park is a family-oriented community in Beaumont, Texas, close to historical and recreational attractions. It's in the Beaumont school district and offers a safe, pet-friendly environment with easy highway access.

Available Spaces: The park has various space sizes available for mobile homes.

Attractions: Nearby attractions include the Spindletop-Gladys City Boomtown Museum, the McFaddin-Ward House, and more.

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

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

Reasoning: Beaumont’s climate can lead to mosquito issues. This endorsement provides coverage for mosquito control measures, such as installing screens, nets, or mosquito-repelling devices around your mobile home.

Reasoning: Coastal areas like Beaumont can experience storm surges during hurricanes. This coverage offers protection for storm surge-specific damages to your RV.

Reasoning: If you commute to nearby Port Arthur for work, this endorsement offers discounts for mobile homes whose residents commute regularly to Port Arthur.

Reasoning: Flooding is a concern in coastal regions. This coverage provides protection for the installation of flood barriers or levees around your mobile home.

Reasoning: Coastal adventures are popular in this region. This coverage offers specialized liability protection for accidents or injuries related to coastal recreational activities.

Reasoning: Exposure to saltwater can cause corrosion. This coverage addresses damages or maintenance costs resulting from exposure to saltwater while traveling along the coast.

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