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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.
Welcome to Raymondville, Texas –
known as the “Gateway to the Rio Grande Valley,” a community where the spirit of South Texas is woven into the fabric of everyday life. Nestled in Willacy County, Raymondville offers a blend of agricultural heritage, small-town charm, and a deep sense of community, all under the wide and sunny Texas sky.
As you wander through Raymondville, you’ll discover a city that thrives on its agricultural roots. Often referred to as the “Heart of the Valley,” Raymondville’s economy and culture are deeply tied to the farming and ranching industries. The lush fields and open landscapes surrounding the city are a testament to its role as a vital contributor to Texas’s agricultural richness.
Raymondville’s heart beats strongest in its tight-knit community. The city’s downtown area, though modest, is a hub of local activity where residents gather, share stories, and support local businesses. This sense of community is palpable throughout the city, from the friendly greetings in the streets to the spirited events and festivals that bring everyone together.
Community events in Raymondville, such as the Willacy County Livestock Show and the annual Cotton Festival, celebrate the city’s agricultural heritage and communal bonds. These events are not just showcases of local talent and produce but are also vibrant gatherings that reinforce the strong sense of identity and pride among the residents.
Despite its small size, Raymondville offers a wealth of natural beauty and outdoor activities. The nearby Laguna Atascosa National Wildlife Refuge is a haven for birdwatchers and nature enthusiasts, offering a glimpse into the diverse wildlife and ecosystems of the Rio Grande Valley. The scenic landscapes and mild climate make Raymondville a delightful place for outdoor recreation and appreciation of nature.
The culinary scene in Raymondville is a reflection of its South Texas setting, with local eateries serving up traditional Tex-Mex cuisine, barbeque, and home-cooked American fare. Each meal is an opportunity to savor the flavors of the region and experience the warm hospitality that is a hallmark of Raymondville’s community.
Education and civic engagement are cornerstones of life in Raymondville. The city’s schools and educational programs reflect a commitment to nurturing the young minds of the community, ensuring a bright future for the next generation.
In Raymondville, every field, every street, and every gathering tells the story of a community that values its heritage, embraces its present, and looks forward to its future. Welcome to Raymondville, Texas, where the simple joys of small-town life are celebrated, and the beauty of the Rio Grande Valley is cherished. Here, in this close-knit community, find a place where agricultural roots run deep, and the warmth of Texas hospitality is felt in every encounter.
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:
Raymondville is at high risk for hurricanes, tornadoes, and severe storms. Average maximum wind speeds have increased over the past 30 years. 30% of homes in Raymondville have some level of risk from wind events. Tips for Mobile/Manufactured Homeowners and RV Owners: Secure outdoor furniture and equipment to prevent them from becoming projectiles during high winds. Consider investing in storm shutters or impact-resistant windows to protect your home or RV. Have a plan in place for evacuating or seeking shelter in case of severe wind warnings. Extreme Heat: Raymondville has an extreme risk from heat, with increasing "feels like" temperatures. All homes in Raymondville have an Extreme Heat Factor®. Tips for Mobile/Manufactured Homeowners and RV Owners: Ensure your home or RV is properly insulated to reduce heat transfer. Use reflective window coverings or blinds to block out sunlight. Stay hydrated and limit outdoor activities during the hottest parts of the day.
95% of properties in Raymondville have some risk of being affected by wildfires in the next 30 years. Wildfires can not only damage properties but also impact access to utilities and emergency services. Tips for Mobile/Manufactured Homeowners and RV Owners: Create a defensible space around your mobile home or RV by removing flammable vegetation. Regularly clean your roof and gutters to prevent the accumulation of flammable debris. Develop an evacuation plan and be prepared to follow local authorities' instructions during a wildfire. It's crucial for mobile/manufactured homeowners and RV owners to stay informed about weather conditions, follow any evacuation advisories, and take necessary precautions to protect their homes and ensure their personal safety.
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.
What it is: Protection against damage caused by mudflow. Why it's needed: In areas prone to heavy rains or near mountains, mudflows can pose a significant risk.
What it is: Protects against damages from windstorms and hail. Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.
What it is: Extends coverage to business property stored or used in the home. Why it's needed: For those who run a home-based business or store business items at home, it ensures they're financially protected.
What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation. Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.
What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures. Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.
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.
Flood Insurance provides protection against flood-related damages, excluding waterline or sewer backups. Average annual cost: $700.
Earthquake Insurance , mobile home is occupied solely as a one or two family residence.
Water Backup Coverage defends against damages when drains, pipes, or sewers back up, but not from floods. Annual cost range: $50-$250.
Building Code Coverage 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.
Scheduled Personal Property offers specialized coverage for high-value items like jewelry or art.
Business Property Coverage is for home-based businesses, ensuring business property stored at home is covered. Costs vary based on asset value.
Identity Theft Coverage aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.
