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Protect Your Manufactured Home in Harlingen, TX.

Covertree’s Comprehensive Guide.

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A Guide to Mobile Home Insurance in Harlingen, TX: Costs, Coverage, and Considerations

Welcome to Harlingen, Texas - a tropical oasis of historic charm, natural beauty, and community resilience!

Step into Harlingen, a city that exudes a unique blend of historical richness, tropical tranquility, and unyielding community spirit. Located in the heart of the Rio Grande Valley, Harlingen offers more than just a gateway to the Gulf of Mexico and Mexico—it serves as a radiant example of southern Texas hospitality and cultural fusion.

Harlingen's story begins with its founding in 1904, an event that set the stage for its transformation from a railroad outpost to a bustling center of trade and agriculture. The Harlingen Arts & Heritage Museum captures this compelling narrative, celebrating the pioneers and visionaries who shaped the city's destiny. Furthermore, the Downtown Harlingen Historic District serves as a living testament to its past, featuring beautifully preserved buildings that reflect diverse architectural styles and influences.

Yet, Harlingen is not merely an emblem of days gone by. It's a haven where nature graces the land with tropical splendor. The Arroyo Colorado, which runs through the city, provides a habitat rich in biodiversity, making it a paradise for bird-watchers and nature enthusiasts alike. The Hugh Ramsey Nature Park extends this invitation to the outdoors with scenic trails and observation areas where the natural world unfolds in all its glory.

Community events are the heartbeat of Harlingen. One of the city's crowning jewels is the annual Rio Grande Valley Birding Festival, which attracts ornithologists and bird-watchers from around the world. Local markets and fairs also abound, such as the Harlingen Farmers Market, which fosters a sense of community while supporting local farmers and artisans.

When it comes to culinary offerings, Harlingen presents a cornucopia of flavors that mirror the city’s multicultural roots. Whether it's traditional Tex-Mex, sumptuous seafood, or international cuisines, the city offers a gastronomic journey that caters to diverse palates. Many of these eateries also source their produce locally, encapsulating the essence of community spirit in every bite. An intriguing yet lesser-known fact about Harlingen is its strategic role during World War II as a training base for pilots. This military heritage is commemorated at the Marine Military Academy, which not only serves as an educational institution but also as a guardian of the city's historical legacy.

From its rich history and natural landscapes to its community-driven ethos and culinary delights, Harlingen is a city where the past and present merge in harmonious coexistence. Whether you are drawn by its historical intrigue, lured by its natural beauty, or captivated by its communal bonds, Harlingen beckons you to explore its multifaceted charm. Come discover this tropical Texan oasis, where each experience adds a vibrant thread to the city's ever-evolving tapestry.

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 Harlingen, TX.

Weather Risks:

The city of Harlingen, located in South Texas, faces several key weather-related risks, including extreme heat, severe thunderstorms, and flooding. For residents and property owners, understanding these hazards and their potential impact is crucial for preparedness and risk mitigation.

Extreme Heat Risk

Hazard Description: Harlingen has an extreme risk from heat, with "feels like" temperatures increasing. A whopping 99% of homes in Harlingen have an extreme heat problem.

Implications for Residents: Extreme heat poses a significant health risk, especially for vulnerable populations like children and the elderly. The heat can exacerbate pre-existing health conditions and can be dangerous for those without adequate cooling systems.

Safety Measures: Ensure your cooling systems are functional and efficient. Limit outdoor activities during peak heat hours. Stay hydrated and watch out for signs of heat exhaustion or heat stroke.

Severe Thunderstorms and Flooding

Hazard Description: Harlingen has a history of severe thunderstorms and flooding, due in part to its proximity to the Gulf of Mexico. The city experienced 500-year storm events in 2018 and 2019 and has seen many hurricanes over the last decade.

Implications for Residents: Thunderstorms can lead to flash flooding, which can damage property, particularly in areas without sufficient drainage. The floodwater can also pose a health risk due to possible contamination.

Safety Measures: Elevate electrical systems and utilities above potential flood levels. Clear debris from drains and gutters. Stay informed about weather forecasts and heed all storm warnings.

Mosquito Activity

Hazard Description: Due to the area's weather patterns, the risk for mosquito activity is extreme in Harlingen.

Implications for Residents: High mosquito activity increases the risk of vector-borne diseases such as West Nile virus, Zika, and Dengue fever.

Safety Measures: Use mosquito repellent when outside. Eliminate standing water around your property where mosquitoes can breed. Consider using mosquito nets or screens for outdoor areas.

By staying prepared and informed, residents of Harlingen can better protect themselves from the various weather hazards that impact the area.

Recommended Neighborhoods in Harlingen, TX.

Property Crime Rates in Harlingen, TX.


Overall Crime Rate: 34 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 29

Comparison with Texas and the U.S.

State Comparison: Higher crime rate than 94% of Texas communities.
National Comparison: One of the highest crime rates in America, regardless of community size.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 4; chance of becoming a victim is 1 in 273.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 30; chance of becoming a victim is 1 in 33.
Tracked Property Crimes: Includes burglary, larceny over $50, motor vehicle theft, and arson.

Key Points

Comparable Cities: Harlingen's crime rate is higher than average when compared to similarly sized communities across the U.S.
Violent Crime: Occurs at a rate higher than most communities in America, regardless of population size.
Property Crime: Significantly high, making up a large proportion of the overall crime rate in Harlingen.

Harlingen, Texas, stands out as having a concerning crime rate, both in comparison with other Texas communities and when set against national standards. Violent crime is notably high, but the most striking issue is the prevalence of property crime, which substantially contributes to the overall high rate of crime in the area.

Choice of 6 insurance coverage in Harlingen, TX.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

Equipment Breakdown:

What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.

Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.

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.

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 Harlingen, TX

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

Palm Gardens RV & MH Park

Location: 3401 W. Bus. 83, Harlingen, TX 78552
Phone: (956) 423-7670
Age Group: 55+
Amenities: Sparkling Pool & Whirlpool Spa, 30/50-amp Full Hook-Up Sites, Secure Gated Community, Clubhouse & Kitchen Facilities, Planned Group Activities, High-Speed Internet & Cable TV included with RV site.

Eastgate RV & Mobile Home Park

Location: 2801 East Harrison, Harlingen, Texas 78550
Toll-Free Phone: 800-499-3137
Phone: 956-423-3137
Specials: Various specials on RV sites, including free WiFi, satellite TV, and concrete slabs.
Amenities: Two Recreation Halls with FREE WIFI, Two Spas, Heated Swimming Pool, Laundromats, Restrooms & Showers, Shuffleboard, Group Activities, Horseshoes, Socials, Dances, Pot Lucks, Biking, Golf Courses Nearby, Arts & Crafts, Pool Tables, Card Games. Location: Short distance from the New Harlingen bike path and a few miles away from South Padre Island.

La Mirada Country Estates

Age Group: All Ages Community Location: 8901 W Business 83, Harlingen, TX 78552
Phone: (956) 343-5059
Amenities: Whirlpool, Billiard Room, Library, Laundry Facilities, Boat/RV Storage, Other
Pet Policies: Pets Allowed (1 pet per resident)
Community Features: Street Width: N/A, Street Type: Paved, Age Restrictions: No, Vacant Sites: 5+, Year Built: 1970, Number of Sites: 114, Multisection Homes: 20%, Homes w/ Peaked Roofs: 50%, Homes w/ Lap Siding: 50%, RV Sites: 50%

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

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

Reasoning: Harlingen is in the Rio Grande Valley, prone to flooding. This coverage provides enhanced flood protection specifically designed for the Rio Grande Valley region.

Reasoning: Hurricanes are a concern. This endorsement offers coverage for the installation of hurricane straps and anchors to secure your RV during storms.

Reasoning: In hurricane-prone areas, TWIA offers windstorm coverage. This endorsement provides discounts for mobile homes insured through TWIA.

Reasoning: Active participation in local community watch programs enhances security. This endorsement offers discounts or coverage enhancements for residents who participate in community watch programs in Harlingen.

Reasoning: Harlingen attracts Winter Texans. This coverage offers specialized liability protection for accidents or injuries related to RVing during the winter season.

Reasoning: Many RVs have outdoor kitchens. This coverage ensures your outdoor kitchen equipment is adequately protected in case of damage or theft.

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