Any questions?
(877) 417-8733

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

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.

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 Mission, TX.

Weather Risks:

Extreme Heat:

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.

Wildfire Risk:

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.

Drought Risk:

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.

Recommended Neighborhoods in Mission, TX.

Property Crime Rates in Mission, TX.


Overall Crime Rate: 17 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 60

Comparison with Texas and the U.S.

State Comparison: Mission's crime rate is higher than approximately 69% of Texas communities.
National Comparison: Mission's crime rate is above the national average but is not among the communities with the highest crime rate.
Similar Sized Communities: Mission's crime rate is noticeably lower than the average for similarly sized cities, making it safer than most in this category.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: 2
Chance of becoming a victim: 1 in 575
Tracked Violent Crimes: Armed robbery, aggravated assault, rape (excluding statutory rape), and non-negligent manslaughter.
Property Crime Rate: Rate: 15
Chance of becoming a victim: 1 in 67
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.

Key Points

Relative Safety: Despite its higher-than-average crime rate in the state of Texas, Mission is safer than most communities of its size in the U.S.
Violent Crime: Mission's violent crime rate aligns closely with the national average.
Property Crime: The city faces a heightened risk for property crimes compared to the national standard.

While Mission's crime rate surpasses the national average, it fares better when compared to similar-sized communities. Residents and visitors should remain vigilant, especially concerning property crimes, to ensure their safety.

Choice of 6 insurance coverage in Mission, TX.

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.

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.

Additional Living Expenses:

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.

Accidental Damage:

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.

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.

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 Mission, TX

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

El Valle del Sol

Location: 2500 East Business Highway 83, Mission, TX 78572
Community Features: Age-restricted (55+) community, 462 sites, pet-friendly, gated, off-street parking, clubhouse, sidewalks, swimming pool, recreational facilities, average street width, paved streets, planned social activities, on-site sales office.
Age Restrictions: Yes - Adult Community, 55+.

Patriot Pointe

Location: 1740 E. Highway 83, Lot C-1, Mission, TX 78572
Community Features: Age-restricted (55+) community, 100 sites, pet-friendly, off-street parking, swimming pool, recreational facilities, average street width, paved streets, planned social activities, on-site staff.
Age Restrictions: Yes

Chimney Park RV Resort

Location: 4224 S Conway Ave, Mission, TX 78572
Community Features: Age-restricted (55+) community, 268 sites, pet-friendly (no aggressive breeds), off-street parking, clubhouse, swimming pool, recreational facilities, narrow street width, paved streets.
Age Restrictions: Yes - 55 plus

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

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

Reasoning: Mission is in the Rio Grande Valley, where flooding can be a concern. This endorsement provides specific flood protection for mobile homes in this region.

Reasoning: Bentsen-Rio Grande Valley State Park is nearby. This endorsement offers discounts for RV parks or sites located near the park for bird-watching and outdoor activities.

Reasoning: Upgrading to an energy-efficient HVAC system can lower utility costs. This coverage provides protection for the installation of energy-efficient heating and cooling systems in your mobile home.

Reasoning: Hidalgo County is known for agriculture. This endorsement offers discounts for mobile homes located within or near agricultural areas.

Reasoning: If you plan to travel to Mexico, this coverage provides medical expense coverage for injuries or illnesses that might occur while in Mexico.

Reasoning: There are wildlife sanctuaries nearby. This coverage provides specialized liability protection for accidents or injuries related to visits to local wildlife sanctuaries.

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