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 Pasadena, Texas – a city where industry meets history, nature, and unexpected treasures, a city that harmonizes the grandiosity of industry with the subtleties of history, the allure of nature, and the hidden gems that make life pleasantly surprising.
Located near Houston and Galveston Bay, Pasadena is best known for its significant role in the energy sector, but as you dig a little deeper, you’ll discover a multifaceted city teeming with an array of experiences.
Founded in the late 19th century and often dubbed the “Strawberry Capital,” Pasadena’s early days were rooted in agriculture. The city commemorates this history through the annual Pasadena Strawberry Festival, which not only celebrates the juicy berry but also serves as a reflection of the community’s deep-rooted traditions and sense of unity. The festival is home to the world’s largest strawberry shortcake—a whimsical yet telling testament to the city’s claim to fame.
But Pasadena is not merely a city that revels in its past; it embraces the promise of the future as well, most notably through its role as a center for the petroleum and aerospace industries. The city’s industrial skyline, dominated by oil refineries and chemical plants, stands in contrast yet also in harmony with its more serene attractions, offering a visual summary of its diverse character. Even amidst its industrial grandeur, Pasadena has managed to preserve pockets of natural beauty. The Armand Bayou Nature Center serves as a sanctuary for both wildlife and humans, offering hiking trails, paddle tours, and educational programs aimed at fostering a love for the environment. A lesser-known fact about this nature center is that it is one of the largest urban wilderness preserves in the United States, a hidden gem in a city otherwise known for its industry.
Community and culture hold special places in the heart of Pasadena. The city is home to the Pasadena Philharmonic Orchestra, a treasure that adds a touch of classical elegance to this industrious setting. Numerous parks and recreational centers also dot the city landscape, hosting a variety of community events and sports activities that cater to residents of all ages.
When it comes to culinary delights, Pasadena offers a diverse palette that mirrors its multifaceted community. From traditional Texan barbecue joints to a range of international options including Mexican, Italian, and Asian cuisines, the city’s food scene is as vibrant as its cultural tapestry.
Pasadena’s commitment to education is another attribute worth noting. With several school districts and the presence of San Jacinto College, the city places a strong emphasis on academic achievement and lifelong learning, making it an ideal place for families.
From its origins as an agricultural haven to its transformation into an industrial powerhouse, from its natural sanctuaries to its vibrant community and culinary scenes, Pasadena is a city that celebrates the full spectrum of life’s offerings. Whether you’re captivated by its history, inspired by its commitment to industry and education, or charmed by its unexpected natural and cultural gems, Pasadena invites you to explore and appreciate its unique blend of the extraordinary and the everyday.
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:
Weather Risks
Risk: As global temperatures rise, heatwaves are becoming more frequent and intense. Implications for Mobile Home & RV Owners: Insulation Issues: Mobile homes and RVs often don't have the same level of insulation as traditional homes, making them more susceptible to the outside temperatures. This can make them uncomfortably hot inside during heatwaves. Increased Energy Consumption: To combat the heat, residents might over-rely on air conditioners, leading to higher electricity bills. Health Risks: Prolonged exposure to high temperatures can lead to heat exhaustion or heat stroke, especially for vulnerable populations like the elderly.
Risk: Flash floods can occur within minutes, especially in low-lying areas. Heavy rain or the overflow of nearby water bodies can result in flooding that inundates mobile home parks or camping sites. Implications for Mobile Home & RV Owners: Water Damage: Flooding can damage the interiors, making them uninhabitable. It can also destroy electrical systems and appliances. Mold Growth: Post-flooding conditions, if not adequately addressed, can result in mold growth, posing health risks. Evacuation Needs: RV owners might have an advantage since they can move their vehicles to higher grounds, but mobile homes, being more stationary, could require residents to evacuate.
Risk: Mobile homes and RVs are particularly vulnerable to high winds. Tornadoes can generate wind speeds exceeding 200 mph. Even lesser wind events can topple RVs or severely damage mobile homes that aren't anchored properly. Implications for Mobile Home & RV Owners: Structural Damage: High winds can cause severe structural damage, tearing off roofs, collapsing walls, or even overturning the entire structure. Flying Debris: Unsecured items outside the home, like patio furniture or tools, can become dangerous projectiles. Safety Concerns: Staying inside a mobile home or RV during a tornado or severe wind event can be life-threatening. Residents must be aware of local weather forecasts and have an emergency plan in place.
What it is: Coverage specifically designed for mobile homeowners who frequently relocate their homes, offering protection against damages or losses that might occur while the manufactured home is being transported or is "in motion." Why it's needed: Provides financial security against various risks such as accidents, adverse weather conditions, or other unforeseen events when transporting a mobile home.
What it is: Provides supplemental coverage for roof damage not included in standard policies. Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.
What it is: Adjusts policy limits to account for inflation, ensuring that coverage keeps pace with rising repair or replacement costs. Why it's needed: Protects the real value of insurance over time, ensuring that homeowners are adequately covered despite inflation.
What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock. Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface
What it is: Protects against damage to underground utility lines or service lines, like water and sewage. Why it's needed: Repairs to service lines can be expensive, and they're not always covered by local utilities or standard policies.
What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects. Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.
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.
