Disclaimer: Data Accuracy and Sources
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.
Welcome to Carrollton, Texas – where urban advancements embrace nature’s wondrous serenade, and Texas charm meets urban sophistication in a blend that captivates the heart and stimulates the mind.
Situated in the vibrant Dallas-Fort Worth metroplex, Carrollton offers a welcoming environment with a diverse array of attractions, activities, and experiences that make it more than just a suburb—it’s a microcosm of what makes Texas great.
The historic origins of Carrollton trace back to the early 1840s when settlers first established a community near the Elm Fork of the Trinity River. The early influences of agriculture and railroads have evolved into a modern city that values both progress and tradition. Take a stroll down Historic Downtown Carrollton, where charming vintage shops and modern eateries coexist in beautifully restored buildings, offering a taste of the old and new.
Nature is not a hidden treasure in Carrollton but a celebrated gem. The city boasts a range of parks and green spaces like the Elm Fork Nature Preserve—a haven for local flora and fauna, as well as those seeking a tranquil escape from urban life. The Carrollton Greenbelt Park System is another highlight, with extensive trails for hiking, jogging, and biking, connecting residents to the natural beauty that surrounds them.
Yet, Carrollton isn’t just about history and natural allure; it’s a hub of cultural activity and community engagement. The city is home to several cultural festivals and community events throughout the year, like the Festival at the Switchyard, which celebrates Carrollton’s railroad roots with music, food, and family activities. Music and art are integral to the city’s identity, showcased through various events and venues, offering everything from live music performances to art exhibitions.
Proximity to Dallas and Fort Worth provides Carrollton residents with additional cultural and recreational opportunities, but Carrollton itself offers a wide array of shopping, dining, and entertainment options. For foodies, the city’s culinary scene presents an eclectic mix—ranging from Texas barbecue to international cuisines, capturing the diverse palate of its community.
What many may not know is Carrollton’s commitment to sustainability. The city has received several awards for its environmental initiatives, showcasing its efforts to be a green and sustainable community. In Carrollton, you’ll find multiple farmers’ markets and eco-friendly programs that underline the city’s commitment to sustainable living.
From its historical roots to its cultural vibrancy and love for the environment, Carrollton offers a well-rounded experience for both residents and visitors. Whether you are in the mood for a historical exploration, an outdoor adventure, or a cultural outing, Carrollton has something for everyone.
Come discover this wonderful city where the essence of community spirit blends effortlessly with the virtues of modern living, and create memories that last a lifetime.
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.
* 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.
Remember, while insurance might seem optional, it provides invaluable peace of mind against potential financial setbacks.
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.
Type of Homes: Mobile or manufactured homes (trailers, single/double-wide mobile homes, RVs, modular homes, etc.).
Personal property damage that doesn't fit the named perils. Exclusions include:
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:
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:
Description: Thunderstorms and lightning events are generated by a combination of factors such as unstable warm air rising, moisture, and colliding air currents. These can result in not only heavy rainfall but also lightning strikes that can cause fires and electrical damage. Carrollton also has had recent brushes with microbursts, tornado strikes and massive thunderstorms (and hurricanes to boot)!
Implications for Mobile/Manufactured Home and RV Owners: Ensure your mobile home or RV is not the tallest object in the area, as lightning seeks the highest point. Installing a lightning rod may provide some protection. Consider unplugging electrical devices to prevent surges from lightning strikes. Evacuate to a more sturdy structure if a severe thunderstorm is predicted.
Description: Texas experiences a variety of winter storms, including snowstorms, blizzards, cold waves, and ice storms. These are most common from late November to mid-March but can occur outside this period.
Implications for Mobile/Manufactured Home and RV Owners: Insulate water pipes to prevent freezing. Keep extra blankets, food, and water, as well as a battery-powered radio in case of power outages. Mobile homes and RVs are generally not as well-insulated as traditional homes, making them vulnerable to the cold. Consider evacuating to a more secure location during severe winter storms.
Description: Drought is a frequent issue in Texas, particularly in the arid and semi-arid regions west of Interstate 35. The conditions can last for extended periods and impact water supplies.
Implications for Mobile/Manufactured Home and RV Owners: Water scarcity can be a significant issue, especially for RV owners who rely on stored water. Increased fire risk during drought conditions, which is especially hazardous for wooden or partially wooden structures like some mobile homes. Implement water-saving measures such as low-flow faucets and collecting rainwater for non-potable uses.
What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.
Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.
What it is: Pays for clearing debris post a covered loss.
Why it's needed: Removal can be expensive and is often essential before repairs commence.
What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.
Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.
What it is: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.
Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.
What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.
Why it's needed: Food spoilage can lead to significant costs, especially after major outages.
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.
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.
Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.
Services Offered: Financial support for affected homeowners.
Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.
Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.
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.
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
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 maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.
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
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.
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.
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