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Protect Your Manufactured Home in Baytown, TX.

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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 Baytown, TX: Costs, Coverage, and Considerations

Welcome to Baytown, Texas -where the scintillating waters of Galveston Bay meet the echoes of history, and nature whispers her secrets into the winds!

Welcome to the enchanting city of Baytown, where the past and present create a harmonious blend of experiences that captivate the senses. Situated along the placid Galveston Bay, Baytown offers a panoramic canvas that showcases the rich tapestry of Texan history—recounting tales of indigenous peoples, European settlers, and events that shaped both the state and the nation.

Baytown is a living history book, its pages etched with stories that date back centuries. Indigenous tribes once roamed these fertile lands before European settlers set foot, weaving together a captivating narrative that continues to evolve. The area's evolution took a dramatic turn with the gushing oil wells that heralded a new era, propelling Baytown into the modern age and cementing its role in the broader context of American industry and energy production.

While history is the beating heart of Baytown, nature serves as its soul. The vast expanse of Galveston Bay is a shimmering wonder that beckons outdoor adventurers and solitude seekers alike. Venture into the Baytown Nature Center—a sanctuary where trails meander through tranquil settings, accompanied by the soft serenade of winds and rustling foliage. Or, opt for a marine adventure, casting your fishing line into the bay's inviting waters as the sun lays a golden path across the horizon.

But Baytown doesn't stop at merely offering historical and natural attractions. Its rich cultural landscape further enriches the visitor experience. The resonant chords of the Baytown Symphony Orchestra breathe life into the community, while the annual arts festivals showcase local talent and creativity. And for birdwatchers, the city unveils a paradise; the coastal topography becomes a seasonal theater for migrating birds, offering a visual spectacle unlike any other.

Dive deeper into Baytown's layered past by visiting the Baytown Historical Museum. Here, you'll embark on a guided tour through time, encapsulating the city's diverse influences and seminal events. Pay your respects at the San Jacinto Monument, a towering edifice that commemorates the decisive battle that forever altered the course of Texan and American history.

Uncover Baytown's hidden facets and lesser-known tales, too. For instance, were you aware that the Baytown Symphony Orchestra has enraptured audiences for over half a century, symbolizing the city's thriving artistic community? And let’s not overlook the Eddie V. Gray Wetlands Center, managed in partnership with the Houston Audubon Society, which serves as an educational and observational platform for appreciating the bay’s diverse avian inhabitants.

From its historical milestones to its ecological marvels, Baytown offers a compelling narrative that weaves the wisdom of yesteryears with the vitality of today. Whether you're looking for outdoor adventure, a historical pilgrimage, or simply wish to lose yourself in nature's embrace, Baytown has it all. Come discover this stunning gem on the banks of Galveston Bay, and create everlasting memories that enrich your understanding of the Texan landscape and its people.

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 Baytown, TX.

Weather Risks:


Description: Tornadoes can produce extremely high winds that can turn debris into projectiles. Mobile homes and RVs are especially vulnerable due to their lightweight construction and lack of a permanent foundation.

Implication for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs can be entirely destroyed by tornadoes. The best course of action is evacuation to a solid structure well before the tornado arrives. Anchoring the structure may provide limited protection but is generally not sufficient for safety. Those living in these homes should have a tornado emergency plan and a weather radio to get alerts directly from the National Weather Service.

Hurricanes/Tropical Storms

Description: While tornadoes are more localized, hurricanes and tropical storms affect large areas and bring with them not only high winds but also torrential rain and the possibility of flooding.

Implication for Mobile/Manufactured Home and RV Owners: Similar to tornadoes, mobile/manufactured homes and RVs can be heavily damaged or destroyed by hurricane winds and flooding. Evacuation plans are crucial. For those in flood-prone areas, raising the home on stilts may offer some protection but won't make it hurricane-proof. Make sure to secure or bring inside any items from outside your home that could become projectiles.

Severe Thunderstorms/Hail

Description: Severe thunderstorms can produce hail that can damage or destroy the siding, windows, and roofs of mobile homes and RVs. They can also come with high winds and intense rainfall that could lead to flash flooding.

Implication for Mobile/Manufactured Home and RV Owners: Hail can break windows and cause considerable damage to the exterior of a mobile/manufactured home or RV. Severe thunderstorms may also come with lightning that can start fires. A lightning rod and surge protectors may help mitigate this risk. Ensure you have comprehensive insurance that covers hail, wind, and flood damage.

For all these weather events, advanced warning systems and having a concrete plan for evacuation to a more secure location are critical. Also, investing in weather-resistant materials for minor renovations can provide an extra layer of protection. It's crucial to have an emergency kit that can be quickly grabbed in case of sudden evacuation, containing essential items like food, water, medication, and important documents.

Recommended Neighborhoods in Baytown, TX.

Property Crime Rates in Baytown, TX.

Plano, a city known for its growth and development in Texas, presents an intriguing crime landscape. Despite its crime rate of 18 incidents per one thousand residents, it doesn't rank among those with the most elevated crime rates.

Position in Texas:

Overall Crime Rate: 36 per 1,000 residents
Chance of Becoming a Victim: 1 in 27

Comparison with Texas and the U.S.

State Comparison: Baytown has a higher crime rate than 95% of Texas cities and towns.
National Comparison: The town has one of the highest crime rates in the U.S., affecting communities of all sizes.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 3; chance of becoming a victim is 1 in 286.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Note: Baytown has a higher murder rate compared to most communities of all sizes in the nation.
Property Crime Rate: 33; chance of becoming a victim is 1 in 30.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary. Motor Vehicle Theft: Exceptionally high rate with a chance of 1 in 179 of having your vehicle stolen.

Key Points

Comparable Cities: When compared to other communities of similar population size, Baytown has a crime rate that is significantly higher than average.
Violent Crime: Violent crime in Baytown occurs at a rate higher than most communities in America. The town also has one of the nation's higher murder rates.
Property Crime: A significant portion of the crime in Baytown is property crime, including an alarmingly high rate of motor vehicle theft.

Baytown, Texas, has significant challenges related to both violent and property crimes. Its crime rates are considerably higher both in the state of Texas and in the U.S. The town faces issues with high rates of violent crimes, including an elevated murder rate. Property crimes, particularly motor vehicle theft, are also a major concern. These findings suggest that Baytown needs urgent, comprehensive interventions, such as increased law enforcement, community outreach, and social programs, to improve safety and quality of life for its residents.

Choice of 6 insurance coverage in Baytown, TX.

Animal Liability:

What it is: Covers liabilities if a pet injures someone or causes property damage.

Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.

Personal Property Replacement Cost:

What it is: Covers the cost of replacing personal belongings at current market prices without considering depreciation.

Why it's needed: Assures homeowners can replace items without worrying about their depreciated value.

Accidental Damage:

What it is: Coverage for unintentional direct physical losses not specifically excluded or limited.

Why it's needed: Accidents happen, and this ensures unexpected damages are covered.

Solar Energy System Coverage:

What it is: Protection for homeowners with solar energy systems, like panels.

Why it's needed: Solar systems can be costly to install and repair, so this ensures they're protected.

Yard and Garden Coverage:

What it is: Coverage that includes garden tractors, equipment, and plants, going beyond just landscaping.

Why it's needed: For homeowners who've invested in their yard and garden, this ensures their investments are protected.

Umbrella Liability:

What it is: Offers added liability coverage beyond the standard homeowners policy limits.

Why it's needed: Protects against large liability claims or judgments, especially important for individuals with significant assets.

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 Baytown, TX

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

Bramor Mobile Home Community

Community Type: All Ages

Location: 3500 McKinney Road, Baytown, TX 77521

Description: Bramor Mobile Home Community is an all-ages community located in Baytown, Texas. It offers a quiet and friendly environment with vacant sites available for homes.

Community Features: Pet Policies: Pets allowed (under 25 lbs; no aggressive breeds) Off-Street Parking Street Type: Paved Age Restrictions: No Vacant Sites: 1 Year Built: 1985 Number of Sites: 171 Multisection Homes: 5% Homes with Peaked Roofs: 30% Homes with Lap Siding: 5%

Contact: For more information or to schedule a tour, you can contact Rod and Lanie, the on-site staff.

Bay Breeze Mobile Home Park

Location: 3422 McKinney Rd, Baytown, TX 77521

Description: Bay Breeze Mobile Home Park is a community located in Baytown, Texas. It offers a great living experience with professional leasing teams available to assist residents. The community is conveniently located with easy access to various amenities.

Nearby Schools: Stephen F Austin Elementary School, Barbers Hill Middle South, Cedar Bayou J High School, among others.

Points of Interest: Nearby shopping centers and grocery stores.

Getting Around: Car-dependent area, but somewhat bikeable with minimal bike infrastructure.

Walk Score: 25 (Car-Dependent) Bike Score: 32 (Somewhat Bikeable)

Newman's Homes

Location: 3733 North Alexander Baytown, TX 77520

Contact Numbers: T: 832-556-8575 T: 281-433-7134 (Espanol)

Hours: Tue-Sat: 9am - 5pm Sun-Mon: Closed

Description: Newman's Homes is a mobile home dealer located in Baytown, Texas. They offer new manufactured homes in the Baytown area. They work by appointments only and aim to help you find the perfect new mobile home. Whether you're looking for an entry-level single-section home or a forever home, they have options available.

Services: They take trade-ins and offer assistance throughout the home buying process.

Available Homes: They have new homes available for purchase.

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

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

Reasoning: Baytown is susceptible to hurricanes. This endorsement provides coverage for installing hurricane shutters or protective measures for your mobile home.

Reasoning: Flooding can occur in coastal areas. This coverage offers protection for the installation of flood alert systems that notify you of potential flood risks while your RV is parked.

Reasoning: Some mobile home communities have security gates. This endorsement offers discounts for homes located in gated communities.

Reasoning: Active participation in community storm shelter programs can enhance safety during severe weather. This endorsement offers a discount or coverage enhancement for residents who participate in storm shelter programs.

Reasoning: If you frequently travel along the coast, this coverage provides specialized liability protection for accidents or injuries that might occur during coastal trips.

Reasoning: Storing your RV in a secure marina can reduce risks. This endorsement offers discounts for parking your RV in marinas equipped with security measures.

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