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

Welcome to Edinburg, Texas - a city that serves as a fascinating intersection of academic achievement, cultural tradition, and natural beauty. Located in the Rio Grande Valley and home to the University of Texas Rio Grande Valley (UTRGV), Edinburg is more than just a gateway to the Mexican border—it's a vibrant community that represents the heart and soul of South Texas.

Edinburg's history is deeply rooted in the larger narrative of the region. Established in the early 20th century, it has evolved from a small community into the seat of Hidalgo County, playing a crucial role in the economic and cultural development of South Texas. The Museum of South Texas History provides an enthralling walk through time, revealing Edinburg's transformation and its connection to Texan and Mexican heritage.

However, the city is not merely a repository of the past; it's a living, breathing hub of intellectual advancement. The presence of UTRGV has made Edinburg a focal point for higher education, research, and innovation. The campus itself is a sprawling epicenter of scholarly activities, with state-of-the-art facilities that attract students and professionals from around the globe. The blend of youthful energy and intellectual curiosity enriches the city's atmosphere, making it an incubator for progress and discovery.

Yet the allure of Edinburg extends far beyond classrooms and lecture halls. The city offers an array of natural attractions like the Edinburg Scenic Wetlands & World Birding Center—a paradise for bird watchers and nature enthusiasts alike. The wetlands offer respite from urban hustle and bustle, serving as a sanctuary where one can engage with nature's serenity. Moreover, the city's well-designed parks provide additional spaces for recreation and leisure, affirming Edinburg's commitment to community well-being.

But what truly sets Edinburg apart is its celebration of culture and community. Events like the annual Fiesta Edinburg encapsulate the city's spirit, featuring music, food, and entertainment that draw from the rich tapestry of Texan and Mexican traditions. A variety of dining options reflect this cultural fusion, offering a culinary journey that ranges from local Tex-Mex delicacies to international fare.

Even less obvious facets of Edinburg stand as testimony to its unique charm. Did you know that the city is the birthplace of several notable figures in politics, arts, and sports? This speaks to Edinburg's role as a nurturing ground for talents who have gone on to achieve significant accolades.

From its historical sites and educational landmarks to its natural retreats and vibrant cultural scene, Edinburg represents the multifaceted splendor of the Rio Grande Valley. Whether you're interested in the cerebral thrill of academia, the tranquil beauty of its wetlands, or the vibrant pulse of its community life, Edinburg beckons with its rich tapestry of experiences. Come discover this South Texan gem and allow its diversity and dynamism to weave into your own life story.

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 Edinburg, TX.

Weather Risks:

Flood Risk

Description: Edinburg has a major risk of flooding over the next 30 years, with 70% of all properties facing a greater than 26% chance of being severely affected. The city has had a history of flood events, including 132 recorded flooding incidents between 1950 and 2010.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs are particularly susceptible to flooding due to their low elevation. Flooding could lead to water damage to homes and personal property.

Precautions: Be aware of flood zones in the area and consider relocating to higher ground during flood advisories. Have an emergency kit ready, including important documents, in a waterproof container.

Extreme Heat

Description: Edinburg faces an extreme risk from heat, with "feels like" temperatures on the rise. The city's Heat Factor® indicates that 98% of homes in Edinburg are at extreme risk.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs may not be well-insulated, making them prone to extreme interior temperatures during heatwaves. Heat-related health issues could arise, including heat exhaustion and heatstroke.

Precautions: Make sure air conditioning units are well-maintained. Keep plenty of water on hand and stay hydrated.

Strong Winds and Thunderstorms

Description: Edinburg has seen 244 thunderstorm wind events between 1950 and 2010. Though tornadoes aren't explicitly mentioned, strong winds from thunderstorms can cause considerable damage.

Implications for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs are at risk of being damaged or overturned by strong winds. Flying debris could pose an additional hazard.

Precautions: Have a safe shelter to go to in the event of strong winds or a storm warning. Secure mobile homes with tie-downs or anchors to better resist wind forces.

Understanding these risks can help mobile or manufactured home and RV owners in Edinburg take necessary precautions to protect both their property and personal safety.

Recommended Neighborhoods in Edinburg, TX.

Property Crime Rates in Edinburg, TX.


Overall Crime Rate: 26 per 1,000 residents Chance of Becoming a Victim: 1 in 39

Comparison with Texas and the U.S.

State Comparison: Higher than 86% of Texas cities and towns.
National Comparison: Higher than the national average but not among the communities with the highest crime rates.

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. Property Crime Rate: 22; chance of becoming a victim is 1 in 45. Tracked Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary.

Key Points

Comparable Cities: Edinburg's crime rate is near the average when compared to similarly sized cities.
Violent Crime: The city has a higher violent crime rate than most American communities.
Property Crime: Property crimes constitute a significant part of the overall crime rate, and the risk is higher than the national average.

Edinburg, Texas, struggles with elevated levels of both violent and property crimes. While its crime rates are relatively average when compared to similarly sized cities, they are high when compared to broader state and national averages. This includes a notably high rate of violent crimes, as well as a significant problem with property crimes like motor vehicle theft, arson, larceny, and burglary. Given these statistics, comprehensive interventions should be implemented. Strategies could include an increase in law enforcement presence, community engagement initiatives, and social programs aimed at addressing the root causes of both violent and property crimes. The overall objective should be to improve public safety and lower the crime rates in Edinburg.

Choice of 6 insurance coverage in Edinburg, TX.

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.

Law/Ordinance Coverage:

What it is: If a mobile home gets damaged and needs repair or replacement, this coverage pays for any increased costs due to current building codes or ordinances.

Why it's needed: Building regulations change over time. This ensures homes are rebuilt to current standards without out-of-pocket expenses.

Appliance Leakage:

What it is: Coverage for damages specifically caused by leaks from appliances.

Why it's needed: Appliances can sometimes malfunction, leading to expensive water damages.

Windstorm and Hail Coverage:

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.

Business Property:

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.

Replacement Cost:

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.

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 Edinburg, TX

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

Orange Grove RV Park

Location: 5005 E State Highway 107, Edinburg, Texas 78542, United States Phone: (956) 383-7931 Email: PARKINFO@OGRVP.COM

Description: Orange Grove RV Park is an adult-only park in South Texas that has been serving Winter Texans for 47 years. Originally an orange grove, it now features over 500 spaces, all equipped with wireless internet (wifi). The park is known for its citrus trees, including orange, grapefruit, and tangerine trees. They offer various rates for daily, weekly, monthly, and yearly stays.

Live Oak Mobile Home Park

Location: 1721 N. McColl Road, Edinburg, Texas 78541 Phone: (956) 380-1313 Email:

Description: Live Oak Mobile Home Park is a friendly, family-oriented neighborhood located in Edinburg, Texas. It offers 188 home sites with off-street parking for two cars on paved roads. The park has an on-site professional management team. Amenities include a swimming pool, community room, and space for small indoor pets and service animals. They offer homes for sale, homes for rent, and vacant sites available.

Citrus Mobile & RV Park

Location: 1700 Lime St, Edinburg, TX 78539 Phone: 956-383-5757 Email:

Description: Citrus Mobile & RV Park is a retirement community located in south Texas. It offers a variety of activities during the winter season, including church services, bingo, crafts, golfing, and more. The park is close to amenities like grocery stores, libraries, golf courses, and South Padre Island. It provides a peaceful and quiet place for winter or year-round living.

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

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

Reasoning: Edinburg is situated near the Rio Grande River. This endorsement provides coverage for the installation and maintenance of flood barriers or levees to protect your mobile home from river-related flooding.

Reasoning: Active participation in local border security watch programs can enhance security. This endorsement offers discounts or coverage enhancements for residents who participate in border security watch programs in Edinburg.

Reasoning: Hurricanes can impact the area. This coverage provides for the installation of hurricane-resistant siding for your mobile home to withstand strong winds and debris.

Reasoning: Bird-related damage can occur. This coverage offers protection for measures to control and deter birds from causing damage to your mobile home.

Reasoning: Exploring along the Rio Grande is common. This coverage offers specialized liability protection for accidents or injuries related to recreational activities in proximity to the river.

Reasoning: Crossing the border can be complex. This endorsement provides assistance coverage for any legal or logistical issues that might arise during border crossings, such as customs delays.

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