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

Welcome to Brownsville, Texas - where culture dances to the beat of Mariachi and the Rio Grande wends its way to infinity and beyond!

In Brownsville, history meets natural wonder and cultures blend in a seamless confluence of the Texan and Mexican spirit. Situated along the banks of the Rio Grande and sharing a border with Matamoros, Mexico, Brownsville offers an immersive journey through time and space, where the past and the present unite in a dynamic dance.

Brownsville's historical richness is palpable in its streets, landmarks, and stories. Once the stage for significant events during the American Civil War, including the Battle of Palmito Ranch, the city now serves as a living testament to a time that shaped the nation. Institutions like the Historic Brownsville Museum chronicle the city's diverse heritage, offering an enriching experience that spans indigenous civilizations to modern settlement.

Yet history is not Brownsville's sole claim to fame. The city is equally renowned for its natural attractions and rich biodiversity. As a gateway to the Rio Grande Valley, Brownsville beckons nature enthusiasts and bird watchers alike. The region is a migratory path for numerous bird species, and spots like the Resaca de la Palma State Park and the Sabal Palm Sanctuary offer verdant landscapes where visitors can indulge in the untouched beauty of Texan wildlife.

But the magic of Brownsville doesn't stop with its past or its landscape; the city is a thriving cultural mosaic. The Charro Days Fiesta, an annual event featuring traditional Mexican and Texan music and dance, exemplifies this cultural richness. Moreover, Brownsville's culinary scene is an epicurean adventure—where mouth-watering Tex-Mex dishes share the stage with local seafood and international flavors, celebrating the city's cultural diversity in every bite.

For those fascinated by the celestial wonders, the Brownsville South Padre Island International Airport serves as a launch site for SpaceX's Starship spacecraft. This nod to space exploration adds a futuristic dimension to the city's multifaceted personality, promising that Brownsville has one foot firmly planted in the future.

Uncover even more layers of Brownsville’s allure by exploring lesser-known facets of the city. Have you ever heard that Brownsville was a vital port during the age of steamships? The Brownsville Historic Association preserves this intriguing aspect of the city's maritime history. Or consider the annual Latin Jazz Festival, which brings together international and local musicians in a vivacious celebration of rhythm and melody.

From its storied past and abundant natural treasures to its vibrant culture and forward-looking endeavors, Brownsville offers a unique blend of experiences that enrich both the mind and soul. Whether you're interested in venturing into the wild terrains of the Rio Grande Valley, delving into the historical archives, or simply soaking up the local culture, Brownsville invites you on a journey of discovery and inspiration. Experience this borderland gem, and let Brownsville's colorful tapestry enrich your own world of experiences.

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 Brownsville, TX.

Weather Risks:

Severe Thunderstorms (Including Isolated Tornadoes and Waterspouts)

Description: An enhanced risk of severe thunderstorms, including the possibility of isolated tornadoes and waterspouts, exists in Brownsville. Damaging winds of 40 to 50 knots, and possibly up to 60 to 70 mph, are anticipated, along with hail as large as golf balls.

Implications for Mobile/Manufactured Home and RV Owners: Mobile/manufactured homes and RVs are particularly vulnerable to strong winds and hail damage. Such structures can be overturned or severely damaged. An emergency plan that includes a safer, more robust structure for shelter is strongly recommended. Keep an eye on weather forecasts and consider temporary relocation if severe weather is expected.

Extreme Heat

Description: Heat risk in Brownsville is extreme, with an increase in the number of days above 97.6°F expected. By 2050, the number of these extremely hot days is predicted to average about 55 days per year.

Implications for Mobile/Manufactured Home and RV Owners: Many mobile homes, particularly older models, are not well-insulated, making them susceptible to extreme heat. An effective cooling system, possibly even an upgraded A/C unit, is crucial. Water supply should be adequate to prevent dehydration, and residents should have plans to move to cooler environments when extreme heat conditions occur.

Flood Risk

Description: About 75% of buildings in Brownsville are at high risk for flooding, with a 56% chance of experiencing a flood about 3 feet deep over the next 30 years.

Implications for Mobile/Manufactured Home and RV Owners: Mobile and manufactured homes are often more susceptible to flooding due to their lower elevation. It may be necessary to relocate to higher ground or to retrofit the home to raise it above potential flood levels. Flood insurance is recommended.

Given the multiple risks, mobile/manufactured home and RV owners should invest in comprehensive insurance coverage and should have an emergency plan in place that covers each of these risks. In addition, always heed evacuation advisories and have an emergency kit ready.

Recommended Neighborhoods in Brownsville, TX.

Property Crime Rates in Brownsville, TX.


Overall Crime Rate: 22 per 1,000 residents
Chance of Becoming a Victim: 1 in 45

Comparison with Texas and the U.S.

State Comparison: Brownsville has a higher crime rate than 81% of Texas cities and towns.
National Comparison: While the crime rate is higher than the national average, it's not among the highest in the U.S.

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate: 4; chance of becoming a victim is 1 in 252.
Tracked Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder.
Property Crime Rate: 18; chance of becoming a victim is 1 in 55.
Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: When compared to other communities of similar population size, Brownsville has a crime rate that is noticeably lower than average.
Violent Crime: Violent crime in Brownsville occurs at a rate higher than most communities in America, across all population sizes.
Property Crime: A significant portion of the crime in Brownsville is property crime, with a rate higher than the national average.

Brownsville, Texas, faces challenges in both violent and property crimes, with rates higher than most communities in America. However, when compared to cities of similar size, Brownsville fares better than most. The data reveals that residents have an above-average risk of becoming victims of property crimes and a somewhat elevated risk of experiencing violent crimes. Given the overall picture, the community would benefit from targeted interventions, including increased law enforcement, community engagement, and social programs aimed at enhancing safety and well-being for its residents.

Choice of 6 insurance coverage in Brownsville, TX.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

Cyber Protection:

What it is: Similar to Cyber Security Coverage, it offers a wider range of protections, including digital assets, personal data, and even potential cyber bullying incidents.

Why it's needed: As our lives become more digital, the potential risks we face grow, making comprehensive cyber protection increasingly essential.

Roof Surface Extension:

What it is: Provides supplemental coverage for roof damage not included in standard policies.

Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.

Sewer or Drain Backup:

What it is: Protection against damages from water or sewage backing up into the home.

Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.

Service Line Coverage:

What it is: Protects against damage to underground utility lines or service lines, like water and sewage.

Why it's needed: Repairs to service lines can be expensive, and they're not always covered by local utilities or standard policies.

In Motion:

What it is: Coverage specifically designed for mobile homeowners who frequently relocate their homes, offering protection against damages or losses that might occur while the manufactured home is being transported or is "in motion."

Why it's needed: Provides financial security against various risks such as accidents, adverse weather conditions, or other unforeseen events when transporting a mobile home.

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 Brownsville, TX

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

Royal Poinciana Family Park (Brownsville, TX)

Location: 5236 S Padre Island Hwy, Brownsville, TX 78521

Contact: (956) 831-2818,

Overview: Royal Poinciana Family Park is an all-ages family community centrally located in Brownsville, TX. It's conveniently situated less than a mile from Home Depot, Walmart, Sam's Club, HEB, and various restaurants. The park offers spacious lots with off-street parking, well-maintained roads, street lights, mature shade trees, resaca frontage, a clubhouse, and individual locking mailboxes. They welcome both mobile homes and RVs, with lot rent at $295/month plus utilities.

Palm Resaca Park (Brownsville, TX)

Location: 100 Tangerine Blvd, Attn: Park Office, Brownsville, TX 78521

Contact: (956) 546-7423,

Overview: Palm Resaca Park is a 55 and over resident-owned retirement park in Brownsville, Texas. It's a gated community with a strong sense of community. The park is surrounded by graceful palm trees and offers resaca views. While it's a retirement park with no pets allowed, it provides a safe and secure environment. It's also conveniently located near shopping, restaurants, golf courses, and South Padre Island.

Gulf Breeze Manufactured Home Community (Brownsville, TX)

Location: 1313 N. Minnesota Ave., Brownsville, TX 78521

Contact: 956-518-7810,

Overview: Gulf Breeze is a manufactured home community in Brownsville, TX, situated in the north part of the city. It's close to residential areas, local eateries, businesses, shops, and the Gulf coast. The community offers various amenities, including a gated entrance, a swimming pool, an onsite recreation center, a dog park, a laundry mat, and shuffleboard. It provides an affordable homeownership opportunity in a convenient location.

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

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

Reasoning: Brownsville is susceptible to hurricanes. This endorsement provides coverage for reinforcing or upgrading windows with hurricane-resistant materials for your mobile home.

Reasoning: Tornadoes can be a concern. This coverage offers protection for the installation of tornado alert systems in your RV, providing advance warnings of approaching tornadoes.

Reasoning: Active participation in local community watch programs can enhance security. This endorsement offers discounts or coverage enhancements for participating in neighborhood watch efforts specific to Brownsville.

Reasoning: Flooding risks exist in coastal areas. This coverage provides protection for the maintenance and upkeep of flood barriers or levees around your mobile home.

Reasoning: Exploring the Gulf Coast is popular. This coverage offers specialized liability protection for accidents or injuries related to Gulf Coast recreational activities.

Reasoning: Coastal environments can accelerate wear and tear on RVs. This coverage addresses maintenance and repair costs associated with coastal exposure, including saltwater corrosion.

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