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

Welcome to Port Arthur, Texas - where the whispers of yore float on the Gulf winds and the sun dapples the waters, inviting you to explore the richness that blossoms in this coastal city. Engage with the harmonious blend of history, culture, and natural beauty that weaves a captivating tapestry of experiences.

Here, the echoes of the past entwine with the vibrant pulse of the present. In Port Arthur, you are walking along the trails blazed by pioneers, filled with stories of exploration, industrial ingenuity, and resilient communities that faced the elements along the Gulf of Mexico.

Delve into the vibrant pages of history in the Museum of the Gulf Coast, where the tales of seafaring adventurers, oil barons, and musical legends such as Janis Joplin unfold, each narrative adding rich hues to the Port Arthur story. The grandeur of the Pompeiian Villa, an enchanting historic home, invites visitors to step back in time, offering a glimpse into the opulent lifestyles of the early 20th century.

Yet, Port Arthur is not merely a haven for history buffs. Embrace the tranquility and natural allure that cradle this coastal city. Set sail upon the serene waters of Sabine Lake, where the sun's golden embrace mirrors on the azure expanse, and the horizon whispers tales of endless exploration. Or traverse the intricate tapestry of the Sea Rim State Park, where the rhythms of the Gulf waves serenade your soul, and the mosaic of marine and terrestrial life unravels in a beautiful dance.

Immerse yourself in the diverse cultural panorama that paints Port Arthur with vibrant strokes. Revel in the lively beats of Cajun and Zydeco music that infuse the air with rhythm, and let the flavors of Texan and Creole cuisine dance upon your palate, weaving a culinary sonnet of spices, zest, and warmth.

In the midst of its rich history and natural splendor, Port Arthur emerges as a beacon of community spirit and innovation. The city, with its strategic location along the Gulf, stands as a hub for the energy industry, seamlessly integrating the legacies of the past with the visions of the future. The educational institutions here sow seeds of knowledge, nurturing minds and fueling the aspirations of generations.

Explore the myriad hues that paint the canvas of Port Arthur, from the golden sunsets that grace the Gulf waters to the warm smiles of its welcoming community. Immerse yourself in the dance of cultures, histories, and landscapes that resonate in harmony, crafting the unique melody that is Port Arthur, Texas. Here, every corner hums the songs of the Gulf, every street echoes the footsteps of history, and every wave that kisses the shore whispers a warm welcome, beckoning you to embrace the allure of Port Arthur.

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 Port Arthur, TX.

Weather Risks:

Port Arthur Flood Risk

Overview: In Port Arthur, an alarming number of properties are at high risk of severe flooding over the next three decades. About 99% of all properties in the city have a substantial chance of being critically affected by floodwaters. In addition to property damage, flooding poses other significant threats such as disrupting utilities, access to emergency services, transportation, and potentially affecting the overall economic well-being of Port Arthur.

Detailed Risks: Residential Properties: A staggering 17,593 out of 17,597 homes are at extreme risk. Roads: Out of 774 miles of roads, 766 miles are at extreme risk. Commercial Properties: 1,302 out of 1,310 commercial properties are in danger. Critical Infrastructure: 25 out of 63 infrastructure facilities are at extreme risk. Social Facilities: 72 out of 75 social facilities are at severe risk.

Tornado and Other Weather Risks:

Apart from the flood risk, Port Arthur holds a considerable tornado index value of 222.48, indicating a higher chance of tornado events compared to the national average. Additionally, recorded weather extremes from 1950 to 2010 include:
Flood: 176
Hail: 372
Thunderstorm Winds: 735
Tropical Storm: 11
Other: 86

Climate Change and Sea-Level Rise:

Climate change is exacerbating the flooding risk in Port Arthur. The warming oceans and melting glaciers and ice sheets worldwide are contributing to a gradual rise in global sea levels, potentially increasing the likelihood and severity of flooding in coastal and low-lying areas like Port Arthur.

Implications for Mobile/Manufactured Homeowners and RV Owners: Flooding: Mobile homes and RVs are particularly vulnerable to flood damage, often lacking the foundational integrity of traditional homes. Residents should consider flood-resistant materials and elevation strategies to mitigate flood damage. Tornado and Wind Risks: Mobile and manufactured homes are at significant risk during high winds and tornadoes. Ensure these structures are securely anchored and consider investing in a sturdy storm shelter. Heat and Other Risks: Proper insulation and air conditioning are crucial for managing heat risks in mobile homes and RVs.

Current Protection and Steps for Enhancement:

The city is investing in flood risk reduction projects, protecting approximately 26,967 properties with known adaptation measures.
Further investment in infrastructure, community planning, and public awareness is essential for reducing risks and ensuring the safety and resilience of the Port Arthur community.

In the face of extensive flood and other weather-related risks, proactive and comprehensive preparation is crucial. Port Arthur residents, especially mobile and manufactured homeowners and RV owners, must be aware of the vulnerabilities and take substantial steps to safeguard their homes, properties, and families. Continuous engagement with local authorities for up-to-date information and adherence to recommended safety guidelines is essential for navigating these challenges effectively.

Recommended Neighborhoods in Port Arthur, TX.

Property Crime Rates in Port Arthur, TX.


Overall Crime Rate: 19 per 1,000 residents
Chance of Becoming a Victim: 1 in 53
Comparison to Texas: Higher than 75% of Texas cities and towns
Comparison to Similar Sized Communities: Lower crime rate than the average

Specific Crime Categories:

Violent Crime:
Rate: 3 per 1,000 inhabitants
Chance of Becoming a Victim: 1 in 325
Tracked Crimes: Armed robbery, aggravated assault, rape, and murder. Comparison to National Average: Higher than most communities

Property Crime: Rate: 16 per 1,000 population Chance of Becoming a Victim: 1 in 63 Tracked Crimes: Motor vehicle theft, arson, larceny, and burglary. Comparison to National Average: Above average


In Port Arthur, Texas, the crime data showcases a scenario of higher-than-average rates for both violent and property crimes compared to national statistics.

Violent Crime: The violent crime rate in Port Arthur exceeds most communities across America, regardless of population size. A resident has a 1 in 325 chance of being a victim of violent crime. This relatively high probability highlights the need for focused efforts to mitigate violent crime in the area.

Property Crime: Property crime also presents a significant concern in Port Arthur, with a rate of 16 per 1,000 population. Residents face a 1 in 63 chance of experiencing property crimes. Like violent crime, this rate is above the national average, underscoring the need for comprehensive measures to ensure the safety of properties and belongings.

While Port Arthur holds a lower crime rate compared to similarly sized communities, addressing the issue of both violent and property crimes should be a priority for local authorities and the community. A collaborative effort involving law enforcement, community leaders, and residents can effectively work towards reducing these crime rates.

Choice of 6 insurance coverage in Port Arthur, TX.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

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 Port Arthur, TX

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

Meadowlark RV & Mobile Home Park

Address: 3001 8th Street, Port Neches, TX 77651
Park Manager: Rebecca Monet
Contact: 832-422-7368
About: Family-oriented and kid-friendly community in the Nederland School District. Convenient access to major freeways, parks, shopping, dining, and medical facilities.
Amenities: Family Oriented, Pet-Friendly, Highway Accessible, Safe Community.
Spaces Available: Various sizes from 35 x 68 ft to 45 x 68 ft.

East Texas Home Center

Location: 2535 US-69, Lumberton, Texas 77657
Contact: (409) 227-0621
About: Locally owned and operated, offering a wide range of manufactured and mobile homes. Affordable housing, attention to detail, and professional customer service.
Services: Large Selection, Friendly & Knowledgeable Staff, Stress-Free Buying Experience, Low Pressure Sales, Delivery, Installation, Set-Up, Service Center, and more.
Hours: Mon-Thurs: 9 AM - 6 PM, Fri: 9 AM - 5 PM, Sat: 9 AM - 4 PM, Closed Sunday.

Signature Manufactured Homes

Location: Vidor, Texas
Builders: Fleetwood Homes, Clayton Built, Champion Homes, NXT, Schult Homes.
About: Texas's Premier retailer of manufactured homes and mobile homes. Offers affordable housing, attention to detail, and professional customer service.
Selection: Various floor plans and models available from different manufacturers.
Benefits: Quality construction, customization options, modern amenities, and affordability.

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

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

Reasoning: Port Arthur is located near Sabine Lake, which can experience flooding. This endorsement provides specific flood protection for mobile homes in this area.

Reasoning: Pleasure Island Park offers outdoor activities. This coverage provides specialized protection for your RV and belongings during adventures at the park.

Reasoning: Upgrading insulation and siding can enhance energy efficiency. This coverage provides protection for the installation of energy-efficient insulation and siding in your mobile home.

Reasoning: Port Arthur has a maritime museum district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: Port Arthur can be susceptible to hurricanes. This coverage provides protection for your RV and belongings in case of hurricane-related damages.

Reasoning: If you visit Pleasure Island Park frequently, this coverage offers protection for your RV while parked at this specific location.

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