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Protect Your Manufactured Home in Pasadena, TX.

Covertree’s Comprehensive Guide.

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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 Pasadena, TX: Costs, Coverage, and Considerations

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.

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:

Tornadoes and High Winds:

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.


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.

Extreme Heat:

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.

Recommended Neighborhoods in Pasadena, TX.

Property Crime Rates in Pasadena, TX.


Overall Crime Rate: 32 crimes per 1,000 residents
Chance of Becoming a Victim: 1 in 32

Comparison with Texas and the U.S.

State Comparison: Pasadena's crime rate is higher than approximately 92% of Texas communities.
National Comparison: Pasadena has one of the higher crime rates in the U.S. for all community sizes.
Similar Sized Communities: When comparing to cities of a similar size, Pasadena's crime rate is around the average, neither exceptionally high nor low.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: Rate: Data not explicitly mentioned, but is considerably high.
Chance of becoming a victim: 1 in 157
Tracked Violent Crimes: Rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
Property Crime Rate: Rate: 25
Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary. Chance of becoming a victim: 1 in 40

Key Points

Relative Safety: When viewed in isolation, Pasadena's crime rates appear alarming, especially within the context of Texas. However, when contrasted with similarly sized cities, it aligns more with the middle of the pack.
Violent Crime: Pasadena has one of the nation's highest violent crime rates when compared to communities of all sizes.
Property Crime: Residents of Pasadena have an above-average risk of falling victim to property crimes when considered against national averages.
Motor Vehicle Theft: A standout concern for Pasadena is its notably high rate of motor vehicle theft, ranking among the highest nationally.

Pasadena has certain areas of concern when it comes to crime, notably its high violent crime rate and the particularly high rate of motor vehicle theft. While its overall crime rate appears more typical when compared to cities of similar size, residents and local authorities should prioritize initiatives aimed at crime reduction, especially in the areas where the city significantly deviates from national averages. Being informed and vigilant can play a key role in improving safety in the community.

Choice of 6 insurance coverage in Pasadena, TX.

In Motion:

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.

Roof Surface Extension:

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.

Inflation Guard Endorsements:

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.

Sinkhole Coverage:

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

Service Line Coverage:

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.

Actions Within Control:

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.

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 Pasadena, TX

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

Shady Village Manufactured Home Community

Community Type: All Ages Community Address: 2304 Wichita St, Pasadena, TX 77502
Community Features: This community offers various amenities, including a playground, clubhouse, sidewalks, swimming pool, and more. It does not have age restrictions, and it was built in 1970. There are 226 sites in the community, and pets are allowed with size/breed restrictions.
Contact Name: Carolyn Additional Information: There are rental homes available in this community.

Allen Genoa Mobile Home Park

Community Type: All Ages Community
Address: 5100 Allen Genoa, Pasadena, TX 77504
Community Features: This community offers amenities such as off-street parking, a playground, recreational facilities, and more. It does not have age restrictions, and it was built in 1983. There are 136 sites in the community, and pets are allowed but must be approved by management and weigh under 20 lbs.
Contact Name: Belinda Cuellar
Additional Information: This community is described as "Pasadena's Hidden Treasure" and offers onsite management, a private fishing pond, and an onsite RV Park.

Camino Villa MHP

Community Type: Family-friendly
Address: 3310 Space Center Blvd, Pasadena, TX 77505, United States
Phone: +1 281-487-1759
Features and Amenities: Onsite management Private fishing pond Onsite RV Park Community lake for relaxation

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

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

Reasoning: Pasadena is near the San Jacinto River, making flood protection crucial. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: The Pasadena Fairgrounds host events. This coverage provides protection for your RV and belongings during events held at the fairgrounds.

Reasoning: Applying energy-efficient roof coatings can help reduce cooling costs. This coverage provides protection for the application of energy-efficient roof coatings on your mobile home.

Reasoning: Pasadena hosts the Strawberry Festival. This endorsement offers discounts for mobile homes located within or near the festival area.

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: Pasadena is near Galveston Bay, offering coastal adventures. This coverage offers specialized protection for your RV and belongings during coastal trips.

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