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 North Richland Hills, Texas – a city where the calm of suburban living blends seamlessly with a dedication to community, cultural heritage, and those delightful idiosyncrasies that lend a unique texture to everyday life. Situated in the heart of the Dallas-Fort Worth metroplex, North Richland Hills stands as a prime example of a city that caters to both the comforts of family life and the finer subtleties of culture and history.
Established in the early 1950s, North Richland Hills rapidly grew as a preferred residential area, offering spacious homes and a sense of community that drew families from far and wide. However, it’s not just the promise of a serene lifestyle that defines this city; it’s also its commitment to preserving the historical gems that tie it to the greater narrative of Texas. The Birdville Historical Society maintains an active presence, chronicling the area’s journey from a 19th-century settlement to a 21st-century suburb, enriching the city’s identity with layers of historical relevance.
Nature, too, finds a special place in North Richland Hills. The NRH2O Family Water Park stands as a pinnacle of family-friendly outdoor activity, offering everything from adrenaline-pumping water slides to a lazy river that epitomizes the laid-back spirit of the city. Parks like the Richfield Park and Green Valley Community Park provide resplendent green spaces, complete with trails, playgrounds, and sports facilities, inviting young and old to embrace the Texan sun.
In terms of community events, North Richland Hills boasts a calendar filled with engaging activities. The Sounds of Spring Concert Series is a particular highlight, turning the city into a musical haven as local and regional artists perform a variety of genres. These events are not just about entertainment; they serve to bring the community together, reinforcing the bonds that make North Richland Hills a tightly-knit suburb.
The city’s culinary landscape is as diverse as its residents, offering an array of choices that range from traditional Texan barbecues to international cuisines like Thai and Mediterranean. An often-overlooked fact about the city is its emerging craft beer scene, with microbreweries and taprooms gaining popularity as gathering spots for locals.
Education and public services in North Richland Hills are equally commendable. The public library, for instance, goes beyond being a mere repository of books. It actively engages with the community through various educational programs, story hours for children, and even a “seed library” that allows patrons to borrow seeds to plant in their gardens—an obscure but heartwarming initiative that speaks to the city’s commitment to sustainable living.
From its commitment to historical preservation to its lovely green spaces, from its community-centric ethos to its diverse culinary offerings, North Richland Hills is a city that offers a slice of the good life without compromising on its unique characteristics. Whether you’re drawn to its peaceful ambiance, captivated by its community spirit, or intrigued by its lesser-known initiatives, North Richland Hills opens its doors to you. Come explore this suburban gem, where the rhythm of family life, the melodies of community, and the harmonies of unique quirks create a beautiful symphony of living.
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:
Weather Risks:
Description: The area's water stress is currently at 18%, predicted to increase to 26% by 2050. Implications for Residents: Possible water usage restrictions. Increased prices for water. Impact on local agriculture and landscapes.
Description: The flood risk is rated as "relatively low," and FEMA hasn't mapped this area. Implications for Residents: Although the risk is low, residents should still be aware of potential flood sources like streams, gullies, and creeks. It's important to note that even low-risk areas can experience flooding under the right conditions.
Description: The average yearly rainfall is projected to slightly decrease by 2050, but the number of extreme storms per year remains the same. Implications for Residents: Potential property damage. Flash flooding risks, especially in low-lying areas. Mobile/manufactured homes require proper preparation to prevent damages.
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.
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: 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: 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.
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.
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.
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.
