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.
In Rowlett, life moves to the rhythm of the lake. The gentle ebb and flow of the waters mirror the city’s harmonious blend of growth and tranquility, of the bustling present and the echoes of yesteryears. Here, the shimmering expanse of Lake Ray Hubbard is a canvas on which the story of Rowlett is beautifully painted.
As you meander through the city’s scenic landscapes, you are invited to embark upon a journey of exploration and enchantment. Revel in the splendor of the lakeside parks, where pathways meander through verdant expanses, beckoning you to a realm where the sky’s azure hues kiss the vibrant greens of the earth. Here, every sunset paints a masterpiece on the lake’s calm surface, a daily testament to nature’s enduring elegance.
Yet, the allure of Rowlett transcends its natural charm. This burgeoning city, woven with threads of community and innovation, hums with the energy of growth and the promise of a flourishing future. Amidst its scenic vistas, neighborhoods brim with warmth and camaraderie, creating a tapestry of diverse and vibrant communities. The whispers of pioneers who once traversed these lands echo through the modern streets, blending tales of the past with the narratives of the present.
In the heart of Rowlett, the Old Town beckons with its historical allure. Stroll through its charming streets, where the architecture whispers tales of a storied past, and local boutiques and eateries offer treasures and delights for every visitor. Here, the pulse of Rowlett’s heritage beats in harmony with the vibrant thrum of contemporary life.
Rowlett, with its lakeside grace, stands as a beacon of balance and beauty. It is a place where the past and present dance in a delicate duet, where the melody of the lake weaves a song of serenity and strength. Immerse yourself in the embrace of Rowlett, Texas, and let the city’s harmonious hues color your journey with memories of exploration, relaxation, and the warm touch of a welcoming community. Here in Rowlett, the dance of life moves with grace, and every step unveils a new chapter of discovery in this lakeside haven.
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: Rowlett’s tornado index value of 302.41 indicates a higher-than-average risk for tornado events compared to the rest of Texas and the U.S. This is supported by the historical weather data recording various extreme weather events in the area.
Implications for Mobile/Manufactured Home and RV Owners: Vulnerability to Tornadoes: Mobile homes and RVs are not built to withstand tornado force winds and can be seriously damaged. Seek Safe Shelter: During a tornado warning, leave mobile homes and RVs for a sturdy building or established tornado shelter.
Description: Rowlett has recorded a significant number of flood events historically, making it a considerable risk, especially during severe weather conditions that include heavy rainfall.
Implications for Mobile/Manufactured Home and RV Owners: Flood Risk: Mobile homes and RVs can be severely damaged by floodwaters, and it’s often challenging to rapidly move them to safer grounds. Location: Avoid placing mobile and manufactured homes in flood-prone areas, and have an evacuation plan in place for moving RVs.
Description: Rowlett is prone to severe thunderstorms that can produce high winds, hail, and lightning. These can be potentially damaging and hazardous, with lightning being a significant concern, posing a risk of strikes to people and property.
Implications for Mobile/Manufactured Home and RV Owners: High Risk: Mobile and manufactured homes are especially vulnerable to damage from high winds and hail that accompany thunderstorms. Lightning Safety: It's crucial to seek sturdy shelter immediately if in a mobile home or RV during a thunderstorm. Avoid being the tallest object in an open space or near metallic structures.
What it is: Deductible decreases for each claim-free year.
Why it's needed: Rewards homeowners for not filing claims and provides financial benefits over time.
What it is: Covers living costs if a homeowner must temporarily relocate due to a covered loss.
Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.
What it is: Protection against major, unforeseen disasters like earthquakes, floods, and sometimes even terrorism.
Why it's needed: Standard mobile home policies might not cover such large-scale events. These coverages are essential for homes located in areas prone to these types of events.
What it is: This isn't a rider, but a reminder to mobile homeowners to review what is and isn't covered under their current policy.
Why it's needed: Knowing what's already covered helps homeowners avoid overlapping or redundant coverages and identify gaps that need to be addressed.
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: 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.
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.
