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

Welcome to Pharr, Texas - a city where the harmonies of diverse cultures, historic tales, and vibrant community life create a symphony of experiences waiting to be explored. Nestled in the Rio Grande Valley, Pharr's rich agricultural lands have given rise to a bustling, thriving community that holds its heritage and future in harmonious balance.

Enter the embrace of Pharr, where echoes of history whisper through the streets. The land, once roamed by Coahuiltecan tribes, today stands as a testament to resilience, growth, and the unyielding spirit of its people. Walk the paths of the past as you explore the city's museums and historic sites, unraveling the tapestry of events that have shaped Pharr's unique identity.

At the Pharr Memorial Library, delve into the pages of time, where stories of early settlers, battles, and evolution unfold, offering a glimpse into the city’s foundational years. The legacy of Pharr's founders, Henry N. Pharr, and John C. Kelly, resonates, their visions having paved the path for the dynamic, prosperous city that Pharr is today.

Beyond the echoes of history, immerse yourself in the natural allure that Pharr lovingly cradles. The city, endowed with a subtropical climate, is adorned with a mosaic of flora and fauna, painting a landscape of vibrant hues and diverse textures. Explore the Santa Ana National Wildlife Refuge nearby, a haven for birdwatchers, nature enthusiasts, and those seeking the tranquil embrace of the wild.

Amidst the city’s verdant expanses, indulge in the flavors of Pharr's diverse culinary landscape. From the zest of Mexican cuisine to the comforting tastes of American fare, embark on a gastronomic adventure that promises to tantalize your taste buds and leave you longing for more.

But Pharr is not just a destination for historical and culinary explorers. It's a stage where the arts flourish, and creativity blossoms. Immerse yourself in the cultural richness as you witness the vibrant performances, visual arts, and musical expressions that infuse life, rhythm, and color into the city's cultural panorama.

The pulse of community spirit beats strongly in Pharr, echoed in the celebrations, events, and festivals that dot the city's calendar. Experience the exuberance of the Pharr Hub Phestival, a beloved annual event that brings together residents and visitors in a jubilant celebration of food, music, and communal togetherness.

Education holds a place of pride in Pharr, with schools and institutions dedicated to nurturing minds, fostering innovation, and shaping the leaders of tomorrow. The city’s commitment to educational excellence ensures a bright, promising horizon for its young inhabitants.

Journey through Pharr, a city where the melodies of history, nature, culture, and community interweave to craft a unique, compelling narrative. Explore its landscapes, savor its flavors, delve into its history, and engage with the warm, welcoming community. In Pharr, every path leads to discovery, every moment is a treasure, and every experience contributes to the beautiful symphony of life in this Texan gem.

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 Pharr, TX.

Weather Risks:

Hail Risk:

Pharr has a notable history of hail events, with 193 incidents recorded from 1950 to 2010. The current warning mentions the possibility of ping pong ball size hail, which can cause significant damage.

Implications for Mobile/Manufactured Homeowners and RV Owners: Hail can cause extensive damage to the relatively fragile structures of mobile and manufactured homes. Installing a durable roof overlay can provide additional protection. RV owners should seek shelter for their vehicles under sturdy coverings, ensuring their RVs are protected from the direct impact of hail.

Wind Risk:

With 60 mph wind gusts anticipated and a history of 231 thunderstorm wind events and 12 strong wind events, wind damage is a significant concern in Pharr.

Implications for Mobile/Manufactured Homeowners and RV Owners: High winds can overturn or severely damage mobile and manufactured homes. Ensure that these homes are securely anchored to resist wind forces. RVs, due to their high profile, are vulnerable to toppling in strong winds. Owners should avoid traveling in such conditions and ensure their parked RVs are in a sheltered location.

Heat Risk:

Description: Though only two heat events have been recorded in the historical data, it's essential to manage heat risk in the generally hot Texas climate.

Implications for Mobile/Manufactured Homeowners and RV Owners: The limited insulation in mobile and manufactured homes can lead to excessive indoor heat. Adequate air conditioning and proper shading are essential for keeping these homes cool. RV owners should ensure their air conditioning units are in good working order and consider additional shading or cover to maintain a comfortable internal temperature.

In Pharr, preparation for hail, wind, and heat risks is essential for protecting properties and ensuring personal safety, especially for those in mobile or manufactured homes and RVs. Continuous monitoring of weather alerts and adherence to recommended safety guidelines can greatly mitigate the potential damage from these weather extremes.

Recommended Neighborhoods in Pharr, TX.

Property Crime Rates in Pharr, TX.


Overall Crime Rate: 19 crimes per one thousand residents. Higher than the national average.
Not among the highest in the country but still a concern.

Rank in Texas: Crime rate higher than 75% of the state's cities and towns of all sizes.

Chance of Becoming a Crime Victim: 1 in 53 for any form of crime.
Higher probability compared to many other U.S. communities.

Violent Crime:

Violent Crime: Chance of becoming a victim is 1 in 325. Higher than in most U.S. communities.
Types include armed robbery, aggravated assault, rape, or murder.

Violent Crime Rate: 3 per one thousand inhabitants.
Concerning rate that calls for increased vigilance and preventive measures.

Property Crime:

Property Crime: 16 per one thousand population.
Includes motor vehicle theft, arson, larceny, and burglary.
Chance of becoming a victim is 1 in 63.

Comparison with Similar Size Communities: Pharr is safer than most.
Still imperative to exercise caution and employ safety measures.

Safety Standing: Not one of the safest communities in America based on FBI crime data.

These highlights offer a quick but comprehensive glance at the crime scenario in Pharr, underscoring the importance of awareness, preparedness, and preventive actions to mitigate the risk of criminal encounters.

Choice of 6 insurance coverage in Pharr, TX.

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.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

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.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

Golf Cart Coverage:

What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.

Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.

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 Pharr, TX

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

Paradise Resort Estates

Location: Pharr, Texas
Community Type: 55+ Gated Community
Accommodation: Mobile homes and RV spaces
Nearby Amenities: Tierra Del Sol Golf Club, shopping, medical facilities, local restaurants
Activities: Various activities for residents, detailed in an activity calendar
Special Offer: Move-in promotion with 1 year of free rent and $1000 toward setup costs
Contact: Email at, Phone: 956-787-1521 Office Hours: Mon-Fri, 9:00 AM - 12:00 PM & 1:00 PM - 4:00 PM

Winterhaven MHP

Location: Pharr, Texas
Community Type: 55+ Senior Community
Accommodation: Mobile homes and RV spots
Spacious Lots: Generous spacing between mobile homes
Rates: RV rates from $55/day, Mobile Home rates from $1349/month Homes for Sale: Various homes available for purchase
Amenities: Two community clubhouses, pool, hot tub, shuffleboard court, horseshoe court, 30/50 amp RV hookups, pet-friendly, and more
Contact: Phone: 956-303-4500, Email:

Boulder Park

Location: Pharr, Texas
Community Type: Manufactured home community
Accommodation: 2, 3, and 4 bedroom homes and lot rentals
Features: Landscaped yards, playground, swimming pool, off-street parking
Convenient Location: Near schools, stores, and public transportation Accepts Pets: Under a pet policy
Contact: Phone: (956) 781-3999
Address: 901 E. Sioux Road, #90, Pharr, TX 78577
Office Hours: Mon-Fri: 9:30 AM - 5:00 PM, Sat-Sun: Closed

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

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

Reasoning: Pharr is near the Rio Grande River, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: Bentsen-Rio Grande Valley State Park offers recreational activities. This coverage provides specialized protection for your RV and belongings during visits to the park.

Reasoning: Installing energy-efficient windows can improve energy efficiency. This coverage provides protection for the installation of energy-efficient windows in your mobile home.

Reasoning: Pharr has a cultural center district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: If you frequently stay in RV resorts, this coverage provides protection for the amenities you use, such as swimming pools, spas, and fitness centers.

Reasoning: Pharr’s Retama Village Luxury RV Park is a renowned location. This coverage offers protection for your RV while parked at this luxury RV park.

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