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Protecting Your Manufactured Home in Odessa TX.

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A Guide to Mobile Home Insurance in Odessa, TX: Costs, Coverage, and Considerations

Welcome to Odessa, Texas -a symphony of culture and energy in the vastness of West Texas!

Amidst the sprawling landscapes of West Texas, where the horizon stretches infinitely and the land tells tales of pioneers and perseverance, rises the city of Odessa. More than just a sibling city to Midland, Odessa has its own unique rhythm, shaped by its rich history, its significance in the energy sector, and its vibrant cultural milieu.

Odessa’s inception in the 1880s was quite serendipitous. When the Texas and Pacific Railway laid tracks across West Texas, it resulted in the birth of a settlement which was named after the Ukrainian port city on the Black Sea, due to the region's shortgrass prairie bearing a resemblance to the Ukrainian steppe. This foreign nomenclature in the heart of Texas is just the first hint at Odessa’s distinctive charm.

As with many cities in the region, the discovery of oil in the 1920s transformed Odessa's fate. The city became an indispensable player in the oil industry, playing a pivotal role in the economic vibrancy of the Permian Basin. The derricks and pumps dotting the landscape stand as silent witnesses to the city's enduring relationship with "black gold." But to define Odessa solely by its oil fields would be an oversight. The city is a thriving cultural hub. The globally recognized Globe of the Great Southwest, an authentic replica of Shakespeare's original Globe Theatre, stands as a testament to Odessa's commitment to the arts. Here, the words of the Bard come alive, resonating with audiences much like they did centuries ago in faraway England.

The Ellen Noël Art Museum, with its eclectic collection of artworks and sculptures, offers an artistic retreat for residents and visitors alike. For the more scientifically inclined, the Stonehenge replica on the University of Texas of the Permian Basin campus offers both intrigue and a touch of whimsy.

Nature, too, graces Odessa with its beauty. Comanche Trail Park, with its tranquil pond and the alluring Comanche Springs dancing water fountains, provides a serene escape from the urban hustle, an oasis in the midst of the desert.

Odessa’s legacy is also interwoven with sports. The city's love for American football, epitomized by the Permian High School's team, was immortalized in the book "Friday Night Lights" and its subsequent film and television adaptations. This story of hope, challenges, and the spirit of competition captures the essence of Odessa.

Among the lesser-known tales of the city is its intriguing meteor crater, a testament to the cosmic forces that have shaped our planet. This crater stands as a subtle reminder of the vastness of the universe and Odessa's tiny yet significant place within it. In its entirety, Odessa emerges as a city of contrasts and harmonies. Where the modernity of the energy sector seamlessly melds with the timeless tales of Shakespeare. Where the vast desert landscapes are punctuated by spaces of art, sport, and science. In the heart of West Texas, Odessa stands as a beacon of human spirit, culture, and enterprise, inviting all to discover its myriad tales and treasures.

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 Odessa, TX.

Weather Risks:

Extreme Temperature and Associated Risks

Heat Vulnerability:
Regional Concerns: Given Odessa's proximity to Midland, it's likely that it also experiences significant heat waves and increased temperatures. This can be exacerbated by climate change.

Implications for Mobile Homes:
Prolonged heat exposure can cause wear on mobile home exteriors, increase cooling costs, and may lead to heat-related health issues for residents.

Preventative Measures:
Consider installing reflective or light-colored roofing, ensure the air conditioning unit is regularly serviced, and think about using energy-efficient windows and insulation.

Cold Weather Hazards: General Risks: As with Midland, Odessa residents should be aware of risks associated with heating equipment, especially during cold spells.

Preventative Measures:
If using space heaters, ensure they are modern models with safety features like auto shut-off. Keep a safe distance from flammable items. Regularly inspect and maintain fireplaces, and ensure a carbon monoxide detector is installed and functional.

Water-Related and Atmospheric Hazards

Flood Vulnerability: Regional Patterns: Considering its geographical proximity, Odessa might also have a significant number of structures at risk from flooding, much like Midland.

Implications for Mobile Homes:
Floodwaters can compromise the structural integrity of a mobile home, lead to mold growth, and damage belongings.

Preventative Measures:
Elevate mobile homes if possible, ensure skirting vents are clear, and use barriers or sandbags during flood warnings.

Drought and Precipitation: Anticipated Concerns: Odessa is also likely to face periods of drought given regional patterns. The risk of extreme precipitation, while lower, still exists.

Implications for Mobile Homes:
Drought might lead to foundational issues due to soil shrinkage, while heavy precipitation can result in water damage. Preventative Measures: During droughts, inspect the home's foundation and supports. For heavy rainfall, have a good drainage system in place.

Fire Risk and Mitigation

General Fire Risk: Proximity Concerns: Considering the wildfire risks in Midland, it's plausible that Odessa also has a significant risk, especially in areas with dense vegetation. Implications for Mobile Homes: These homes are particularly vulnerable to fires due to their construction materials and designs.

Preventative Measures:
Maintain a defensible space around the mobile home by clearing away flammable vegetation. Consider fire-resistant materials for any renovations or repairs.

In conclusion, while these general guidelines are informed by patterns in the broader region and known risks associated with mobile homes, it's essential for mobile home owners in Odessa to frequently consult local resources and agencies for updated risk assessments and recommendations. Additionally, regularly reviewing insurance coverage will ensure adequate protection against these weather-related risks.

Recommended Neighborhoods in Odessa, TX.

Property Crime Rates in Odessa, TX.

Odessa, situated in the heart of West Texas, has a significant crime challenge to tackle. With its crime rate of 32 incidents per one thousand residents, it ranks among some of the highest in the United States, underscoring the need for heightened awareness and preventive measures.

Position in Texas:

Among its peers in the Lone Star state, Odessa surpasses a whopping 93% of other Texas communities in terms of its crime rate. This is a cause for concern and indicates a pressing need for strategic interventions.

Comparison with Similar Cities:

When analyzed against cities of a comparable population size nationwide, Odessa's crime situation appears even graver. Its crime rate, aggregating both violent and property crimes, is significantly above the average, making it one of the more crime-prone areas in its category.

Violent Crime:

Odessa's violent crime landscape is particularly disturbing. The city's violent crime rate is among the nation's highest, encompassing a range of serious offenses from rape to aggravated assault. Translating this into concrete terms, the risk of becoming a victim of a violent crime in Odessa stands at 1 in 169 – a statistic that demands urgent attention.

Property Crime:

Property crimes in Odessa, at a rate of 26 per one thousand residents, also paint a challenging picture. The likelihood of an Odessa resident being affected by crimes such as burglary, larceny, or motor vehicle theft is 1 in 38, a notably higher risk when juxtaposed against national averages.

A specific area of concern is motor vehicle theft. Odessa's alarming rate of car thefts positions it among the top in the nation, spanning communities of all sizes. Residents face a 1 in 299 chance of having their car stolen, emphasizing the need for vigilance and preventive measures.

Choice of 6 insurance coverage in Odessa, TX.

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.

Mold Remediation Coverage:

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.

Identity Theft Coverage:

What it is: Protection against the financial fallout of identity theft, often covering expenses like legal fees or lost wages.

Why it's needed: With the rise in digital transactions and online activities, identity theft is a growing concern.

Home Business Coverage:

What it is: Extends protection to business-related activities and assets in a mobile home, covering equipment, inventory, or even liability.

Why it's needed: Standard homeowners insurance doesn't cover business activities. If a homeowner runs a business from their mobile home, this ensures they're adequately protected.

Sinkhole Coverage:

What it is: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock.

Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.

Earthquake Coverage:

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.

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 Odessa, TX

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

Redmon Mobile Home Park

All ages community
Address: 6702 N Kermit Ave #1, Odessa, TX 79762
Community features: Off-street
parking, sidewalks, wide streets, paved streets, multisection homes (10%),
peaked roofs (90%), lap siding (10%) Distances: Water (1.8 miles), golf (5
miles), parks (1 mile)

Mobile Home Concepts

Location: 8100 W. University, Odessa, TX 79764
Specializes in refurbished
manufactured/mobile homes with a foreclosure history
Offers homes from various major brands
Transportation available to adjacent states

Permian Home Center

Offers new and used mobile and manufactured homes
Single wides, double wides, modular homes, tiny homes available
Address: 6720 Andrews Hwy Odessa, TX 79762
Phone: 432-266-4172

Braustin Homes

Focuses on affordability and transparency
Utilizes technology for virtual mobile home buying
Empowers homebuyers through upfront pricing and transparent communication
Address: 3079 W Hwy 80 E, Odessa, TX 79761
Phone: 210-361-0725

Fiesta Homes

Locally owned and operated by Dimas & Belinda Avalos
Aims to create a friendly atmosphere where customers value expertise Offers information and resources for comfortable home buying
Address: 6703 Andrews Hwy, Odessa, TX 79762
Contact: Viviana Avalos, +1(432) 553-4459,

Titan Factory Direct

Offers a wide range of manufactured homes
Provides various home floor plans from industry-leading manufacturers
Offers single-wide, double-wide, triple-wide, and modular homes
Address: 2320 E 8th St., Odessa, TX 79761
Phone: 432-332-9733

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

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