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.
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.
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.
* 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.
Remember, while insurance might seem optional, it provides invaluable peace of mind against potential financial setbacks.
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.
Type of Homes: Mobile or manufactured homes (trailers, single/double-wide mobile homes, RVs, modular homes, etc.).
Personal property damage that doesn't fit the named perils. Exclusions include:
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:
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:
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.
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.
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.
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.
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.
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.
"elementor-icon-box-description"> 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.
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.
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.
Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.
Services Offered: Financial support for affected homeowners.
Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.
Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.
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.
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
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 maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.
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
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.
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.
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