Any questions?
(877) 417-8733

Protect Your Manufactured Home in McAllen, TX.

Covertree’s Comprehensive Guide.

Powered by

Disclaimer: Data Accuracy and Sources

The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

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

Welcome to McAllen, Texas - a city where the richness of diverse cultures mingles seamlessly with the dynamics of commerce and the allure of nature. Located in southern Texas near the U.S.-Mexico border, McAllen serves as a hub for international trade, a sanctuary for wildlife enthusiasts, and a thriving community that epitomizes Texan and Mexican cultural fusion.

McAllen's story is deeply tied to its location as a crossroads for international trade. Once a small agricultural community, the city has evolved into a bustling center for commerce and retail, with La Plaza Mall and Palms Crossing serving as significant retail destinations. The city's advantageous location has made it an essential part of the NAFTA corridor, linking economies and offering countless business opportunities.

Yet McAllen's appeal isn't confined to its economic prowess; it's a city that takes pride in its natural treasures. The Quinta Mazatlan, a historic Spanish Revival mansion, stands not just as a beacon of architectural beauty but also as a World Birding Center. The nearby McAllen Nature Center offers another verdant escape, providing trails and programs that help both residents and visitors connect with nature and learn about local flora and fauna.

The cultural tapestry of McAllen is as vibrant as its natural landscapes. The city's annual events, such as the PalmFest International Folklore Celebration and the McAllen Holiday Parade, draw large crowds and celebrate the city's diverse cultural heritage. These events feature music, food, and crafts that encapsulate the rich blend of influences that have shaped McAllen's identity.

Speaking of food, McAllen is a culinary haven where Tex-Mex cuisine takes center stage, though you'll also find a wide range of international options—from gourmet Italian restaurants to sushi bars. This culinary diversity adds another layer to the city's multifaceted appeal, offering something for every palate.

What you may find intriguing about McAllen is its commitment to education and the arts. The city boasts numerous institutions, like the International Museum of Art & Science, which expose residents to global art and natural history. Furthermore, McAllen Independent School District is among the most progressive in the state, with a strong focus on technology and academic excellence.

From its role as a commercial hub to its lush natural sanctuaries, from its rich cultural celebrations to its diverse culinary scene, McAllen is a city that lives and breathes multiplicity and unity in equal measure. Whether you're attracted by its business opportunities, captivated by its natural beauty, or charmed by its cultural richness, McAllen extends a warm welcome. Come discover this southern Texas gem, where each experience adds a vibrant hue to the city's ever-colorful mosaic.

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 McAllen, TX.

Weather Risks:

Extreme Heat:

Description: Significant increase in the number of hottest days, with the city expecting around 58 days per year over 100.6ºF by 2050.
Implication for Mobile/Manufactured Homeowners: Increased energy bills due to higher air conditioning needs. Potential for material damage, especially if housing components aren't designed for such high temperatures.
Implication for RV Owners: Prolonged exposure can damage the RV's exterior and interior materials. Increased use of AC can drain power sources and increase fuel consumption if the engine is running.


Description: The South Laguna Madre watershed, containing McAllen, TX, frequently experiences drought conditions.
Implication for Mobile/Manufactured Homeowners: Landscape and gardening challenges due to water restrictions. Potential foundation issues if soil contracts around the home.
Implication for RV Owners: Water shortages can impact availability at campgrounds or RV parks. Drought conditions can increase dust and airborne debris, which may affect air filtration systems in RVs.


Description: About 44% of buildings in McAllen, TX, face a risk of flooding. The average risk is a 27% chance of a flood about 1.2 feet deep over 30 years.
Implication for Mobile/Manufactured Homeowners: Potential water damage to property, especially if the home isn't elevated. Increased insurance costs or potential for being denied coverage.
Implication for RV Owners: Risk of water damage if parked in low-lying areas during heavy rainfall. Mechanical and electrical systems might get damaged.

Recommended Neighborhoods in McAllen, TX.

Property Crime Rates in McAllen, TX.


Overall Crime Rate: 20 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 50

Comparison with Texas and the U.S.

State Comparison: McAllen's crime rate is higher than approximately 77% of Texas communities.
National Comparison: McAllen's crime rate is above the national average but not among the communities with the very highest crime rate.
Similar Sized Communities: When compared to similar-sized communities, McAllen's crime rate is near the average.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: 2
Chance of becoming a victim: 1 in 549
Tracked Violent Crimes: Assault, rape, murder, and armed robbery.
Property Crime Rate: Rate: 18
Chance of becoming a victim: 1 in 55
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.

Key Points

Relative Safety: McAllen's crime rate is on par with other communities of its size.
Violent Crime: The city experiences a violent crime rate that's higher than most American communities.
Property Crime: Property crime is a significant concern in McAllen, with residents facing an above-average risk compared to the national standard.

While McAllen's crime rate is above the national average, it aligns closely with other communities of its size. The city grapples with a higher-than-average violent crime rate and property crimes, making it crucial for local authorities to prioritize safety measures. Those living or visiting McAllen should be aware of the property crime risk and take appropriate precautions.

Choice of 6 insurance coverage in McAllen, TX.

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.

Loss of Rent Coverage:

What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.

Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.

Cyber Security Coverage:

What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.

Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.

Vandalism and Malicious Mischief Coverage:

What it is: Protects against damages or losses resulting from deliberate acts of destruction or harm.

Why it's needed: Provides peace of mind in areas where vandalism might be a concern, ensuring that damages are covered.

Collapse Coverage:

What it is: Covers damage to a mobile home if it unexpectedly collapses due to specific causes other than age or wear and tear.

Why it's needed: While uncommon, collapses can be devastating. This coverage ensures homeowners can rebuild or repair in such an event.

Sewer or Drain Backup:

What it is: Protection against damages from water or sewage backing up into the home.

Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.

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 McAllen, TX

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

Texan Mobile Park

Location: 2917 W Us Hwy 83, McAllen, TX 78501
Community Features: Age-restricted (55+) community, 275 sites, pet-friendly (under 50 lbs), off-street parking, clubhouse, swimming pool, recreational facilities, average street width, paved streets, 30% RV sites.
Age Restrictions: Yes - Senior community

Citrus Valley MH and RV Park

Location: 2901 W State Highway 107, McAllen, TX 78504
Community Features: All-ages community, 256 sites, pet-friendly (no cats), playground, clubhouse, swimming pool, recreational facilities, average street width, paved streets, no age restrictions, 5+ vacant sites.
Amenities: Whirlpool, shuffleboard court, billiard room, library, laundry facilities, fitness center, restrooms, shower facilities, dog park, WiFi (for purchase).

Baldwin RV Park

Location: 401 N Col Rowe Blvd, McAllen, TX 78501
Community Features: All-ages community, 25 sites, pet-friendly (under 15 pounds, two max), off-street parking, narrow street width, gravel streets, no age restrictions, 5+ vacant sites.
Contact Name: Danny Morales, On-Site Staff

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

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

Reasoning: McAllen is in the Rio Grande Valley, prone to hurricanes. This endorsement provides enhanced hurricane protection specifically designed for the Rio Grande Valley region.

Reasoning: McAllen is near the U.S.-Mexico border. If you plan to cross the border, this coverage offers protection for your RV and belongings during border crossings.

Reasoning: McAllen has an arts and culture district. This endorsement provides discounts for mobile homes located within or near this district.

Reasoning: Hailstorms can damage roofs. This coverage ensures your roof can be replaced in case of hailstorm damage.

Reasoning: If you plan to travel to Mexico, this coverage provides liability protection for accidents or injuries that might occur while driving or staying in Mexico.

Reasoning: McAllen is a bird-watching destination. This coverage offers specialized protection for your RV and belongings during bird-watching adventures in the area.

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