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 Mission, Texas – a city that encapsulates the spirit of southern Texas with its melding of history, nature, and a bustling community. Situated near the U.S.-Mexico border in the Rio Grande Valley, Mission offers more than just its famed citrus groves. It stands as a testament to human endeavor, a sanctuary for nature lovers, and a vivid tapestry of cultural and communal richness.
Founded in the early 20th century, Mission takes its name from La Lomita Mission, a historic site that pays tribute to the city’s religious and cultural heritage. The Mission Historical Museum serves as a gateway to the past, showcasing artifacts and exhibits that tell the city’s story from its origins to its contemporary role as a burgeoning center for trade and agriculture.
Yet Mission is more than just a walk through history; it’s a city where nature flourishes in all its glory. The Bentsen-Rio Grande Valley State Park is a part of the World Birding Center, a habitat for hundreds of species of birds and an undeniable paradise for birdwatchers. The National Butterfly Center, also located in Mission, adds another dimension to this natural sanctuary, inviting visitors to explore and learn about the life cycles and types of numerous butterfly species.
Cultural and community events form the lifeblood of Mission. The annual Texas Citrus Fiesta celebrates the city’s citrus industry with pageantry, food, and crafts, bringing the community together in a vibrant display of local pride. The Mission Food Park offers a plethora of food trucks and live music events, serving as a modern communal gathering space for residents and visitors alike. In terms of cuisine, Mission offers a delightful array of options. While Tex-Mex reigns supreme, reflecting the city’s location and cultural influences, you’ll also find an enticing range of international cuisines that cater to an ever-diversifying palate.
An often-overlooked aspect of Mission is its emphasis on health and wellness. The city has been recognized as an All-America City, partly for its focus on public health initiatives that encourage active lifestyles, such as the hike and bike trails that traverse the city.
From its historic landmarks to its natural wonders, from its cultural festivals to its public health initiatives, Mission is a city that offers a well-rounded life experience. Whether you are drawn to its historical sites, enchanted by its natural landscapes, or energized by its community events, Mission invites you to partake in its diverse offerings. Come and explore this jewel of the Rio Grande Valley, where history, nature, and community converge in a harmonious blend, creating an enriching and fulfilling tapestry of life.
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: By 2050, Mission is expected to experience an average of about 61 days per year over 100.8ºF, with a substantial increase of 214.3% in days exceeding 111ºF in the next 30 years.
Implications for Mobile/Manufactured Homeowners: Potentially higher energy bills from increased air conditioning usage. The potential for structural and material damage if homes aren't built to withstand extreme temperatures. Health risks due to prolonged exposure to extreme heat, especially for vulnerable populations.
Description: The risk of wildfires on the most dangerous days is very high, and 18,413 properties in Mission face some risk of being affected by a wildfire within the next 30 years.
Implications for Mobile/Manufactured Homeowners: Potential property damage or complete loss due to wildfires. Elevated insurance premiums or even denial of coverage due to increased risk. Health hazards from smoke and poor air quality.
Description: The South Laguna Madre watershed has frequently faced drought conditions, with a growing risk of extreme and exceptional droughts.
Implications for Mobile/Manufactured Homeowners: Water restrictions may impact everyday activities and can result in landscape/gardening challenges. Soil contraction might lead to foundational issues. Increasing water costs or reduced availability.
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.
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: Covers living costs if a homeowner must temporarily relocate due to a covered loss.
Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.
What it is: Coverage for unintentional direct physical losses not specifically excluded or limited.
Why it's needed: Accidents happen, and this ensures unexpected damages are covered.
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.
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.
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.
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.
