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 Longview, Texas – where the essence of East Texas is captured in its charming neighborhoods and hidden treasures.
Step into this welcoming and vibrant city and uncover a tapestry of history, culture, and natural beauty.
Beyond its picturesque landscapes, Longview hides a wealth of hidden gems and lesser-known facts. Did you know that Longview was once home to the world’s largest inland pipe-making plant? The legacy of this industrial marvel can still be seen today in the remnants of the plant’s iconic smokestack, which remains as a symbol of the city’s industrial past.
For lovers of classic cars, Longview is home to one of the largest car shows in the region. The “Hot Rod Heritage” event brings together vintage cars and car enthusiasts from far and wide, showcasing the passion and craftsmanship that goes into preserving these timeless machines.
Longview also boasts a unique connection to the world of aviation. The city is the birthplace of aviation pioneer and inventor of the helicopter, Louis LeTourneau. Visitors can explore the LeTourneau Memorial Museum, dedicated to preserving the legacy of this visionary engineer whose innovative machines revolutionized industries around the world.
Nature enthusiasts will be captivated by the beauty of Longview’s natural surroundings. The city is located in close proximity to the breathtaking Caddo Lake, known for its mystical cypress trees and enchanting swamp-like scenery. Take a guided canoe or kayak tour through the serene waters and immerse yourself in the tranquility of this hidden gem.
Sports fans will be delighted to discover that Longview prides itself as the “Balloon Capital of Texas,” hosting the annual Great Texas Balloon Race. Held every summer, this event brings together hot air balloon pilots from across the country, with colorful balloons filling the sky and creating a mesmerizing spectacle for all to enjoy.
Longview is also a beloved destination for music enthusiasts, as it was once a hotbed for the creation of gospel, blues, and soul music.
The city celebrates its musical heritage with the annual Alley Fest, a vibrant street festival that showcases local talent and brings the community together for a weekend of live music, arts, and delicious food.
Experience the heart of East Texas in Longview, where hidden treasures, captivating history, and natural wonders await your discovery. From exploring the legacy of aviation pioneers to witnessing the magic of a hot air balloon race, Longview is a city that invites you to embark on an unforgettable journey of exploration and wonder.
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: Sudden, powerful gusts that can uproot trees and toss debris. Implication for Mobile/Manufactured Homeowners: Mobile homes, even when anchored, can be significantly damaged by high winds. Roofing materials and siding can be torn off, and unsecured items outside can become projectiles. Implication for RV Owners: RVs can be overturned or shifted off their supports by strong winds. Extended awnings or external fixtures can be damaged.
Description: Frozen pellets that can vary in size and can fall at rapid speeds, causing damage to structures and vehicles. Implication for Mobile/Manufactured Homeowners: Hail can puncture roofing materials, leading to leaks and water damage. Windows and skylights can be cracked or shattered. Implication for RV Owners: The exterior of RVs, especially the roof, can be dented or damaged by hail. External fixtures such as vents, skylights, or solar panels can be damaged.
Description: Overflow of water onto land that is usually dry, either due to prolonged heavy rainfall or other water system failures. Implication for Mobile/Manufactured Homeowners: Mobile homes are often at a higher risk during flooding due to their typically low elevation. Floodwaters can compromise the structural integrity of the home and lead to mold growth. Implication for RV Owners: Stationary RVs can be trapped in rising waters, causing internal and external damage. Engines and electrical systems in RVs can be compromised, rendering them immobile or unusable.
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: 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: Protection for homeowners with solar energy systems, like panels. Why it's needed: Solar systems can be costly to install and repair, so this ensures they're protected.
What it is: Provides protection against unauthorized transactions on credit or fund transfer cards. Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.
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: Provides coverage for fees incurred when the fire department is called to protect or save insured property. Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.
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.
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.
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.
