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Incidents:
Over the past 20 years, El Paso County has declared 15 disasters, with many attributed to Hurricane incidents. Despite its location inland, El Paso is susceptible to the ripple effects of hurricanes, including heavy rain and resultant flooding.Impacts on Mobile Homes:
Flooding is a primary concern. Floods can lead to water damage, soil erosion, and, in extreme cases, might even shift or float mobile homes off their foundation. Additionally, thunderstorm winds can inflict damage on the exterior of mobile homes, necessitating repairs or replacements.Insurance Needs:
Mobile home owners should strongly consider flood insurance, even if they are not located in a designated flood zone. Given the susceptibility to thunderstorm winds, a comprehensive mobile home insurance that covers wind damage is also recommended.Heat Waves & Cold:
The average summer temperature in El Paso is expected to rise by 2 Fahrenheit degrees by 2100. This, combined with heat waves, can strain cooling systems in mobile homes. Conversely, winter storms can bring freezing rain, snow, and sleet, presenting a risk of hypothermia and frostbite.Drought:
El Paso can experience periods of reduced rainfall, which can lead to drought conditions.Impacts on Mobile Homes:
Extreme heat can result in warped or melted sidings and can strain HVAC systems. Drought can impact the stability of the ground on which a mobile home sits.Insurance Needs:
Earthquake Risk:
El Paso has an average earthquake risk score of 35%. The earthquake index for El Paso stands at 1.01, which is considerably higher than the Texas average of 0.04 but lower than the U.S. average of 1.81.Impacts on Mobile Homes:
Earthquakes can cause mobile homes to shift off their foundation, resulting in structural damage or complete destruction.Insurance Needs:
Traditional mobile home insurance policies might not cover earthquake damage. Therefore, considering the moderate risk, it's wise for mobile home owners in El Paso to explore additional earthquake insurance.
What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time.
Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.
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.
What it is: Covers costs related to mold removal and repair.
Why it's needed: Mold can lead to health problems and structural damage. Mobile homes, especially in humid areas, may be vulnerable.
What it is: Offers protection against damages from seismic activities such as earthquakes and tremors.
Why it's needed: Standard policies usually exclude earthquake damage. It's vital in earthquake-prone regions.
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.
The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.
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
defends against damages when drains, pipes, or sewers back up, but not from floods. Annual cost range: $50-$250.
aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.
Location: 715 N. Westgate Dr., Weslaco, TX 78596
Overview: Perfect for those 55 and over, Rio Valley Estates provides a mix of manufactured homes and RV park spaces. With mild temperatures and friendly residents, it's an ideal winter refuge or a year-round residence.
Notable Amenities:
Swimming Pool & Spa
Recreation Hall with a Dance Floor
Modern Laundry Facilities
FREE Spectrum Cable TV and High-Speed Internet
Concrete Pads in the RV Section
Wide Paved Streets
Special Activities: They organize diverse events like Mardi Gras, Anniversary and Veterans' dinners, Craft sales, and more.
Overview: Queens MHC offers a friendly environment with attractively priced manufactured homes. The community emphasizes safety, fun, and a strong sense of belonging.
Features: On-site maintenance, beautiful landscaping, sparkling swimming pool, and pet-friendly policies.
Overview: As El Paso's most trusted home builder for 70 years, Tropicana Homes has built over 10,000 homes in the city, receiving numerous awards for their quality and design.
Overview: BIC Homes stands out as a top new home builder offering a combination of luxury, affordability, and quality construction. In 2019, they contributed 160 ENERGY STAR Certified Homes.
Specialty: Luxury features with affordable pricing, emphasizing design, features, and community selections.
Overview: Robin Hood community offers comfortable manufactured homes and RV spaces. The team's dedication to professional management and maintenance ensures a quality living experience for residents.
Features: Charming homes, generously sized lots, pet-friendly policies.
Location: 11750 Montana, El Paso, TX 79936
Overview: An all-ages community, Palm Desert Mobile Home Park offers a clean environment with special financing options and a range of homes for sale.
Features:
Clubhouse
Swimming Pool
Recreational Facilities
Pet-friendly (restrictions for smaller pets)
Finding the Best Mobile Home Insurance in El Paso , TX
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Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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