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.
Emerging from the expansive landscapes of Central Texas is Round Rock, a city that elegantly marries its rich history with contemporary vibrancy. Situated just a stone’s throw away from Austin, Round Rock is more than a burgeoning suburb; it’s a community with deep-rooted traditions, a hub for technological innovation, and a canvas painted with natural beauty.
Round Rock’s origins can be traced to the mid-19th century when it was known merely as “Brushy.” The city’s current name stems from a distinct round rock located in the shallow of Brushy Creek, which served as a landmark for Comanche tribes and early settlers. This namesake rock, steeped in history, stands as a silent sentinel to the passage of time and the city’s evolution. In modern contexts, Round Rock is often synonymous with the tech giant, Dell, which has its headquarters firmly planted in the city. This association with technology and innovation has catalyzed Round Rock’s transformation into a major player in the business arena, attracting a diverse array of industries and talent.
Yet, amid the buzz of modernity, Round Rock hasn’t lost touch with its past. The city’s historic downtown district is a vibrant mosaic of architectural elegance, boutique shops, and local eateries. It’s a place where the pulse of the present harmoniously blends with echoes of yesteryears. Structures like the Sam Bass Theatre, named after the infamous outlaw, offer glimpses into the city’s storied past and its commitment to the arts.
Natural beauty is generously sprinkled across Round Rock. The Brushy Creek Regional Trail is a haven for outdoor enthusiasts, winding its way through picturesque landscapes, parks, and water bodies. Old Settlers Park, sprawling over 645 acres, offers a plethora of recreational activities, from baseball and cricket to fishing and picnicking, ensuring there’s something for everyone. One of Round Rock’s hallmark events is the annual Chalk Walk Arts Festival. Here, streets transform into vibrant canvases as artists conjure masterpieces under the open sky, embodying the city’s spirit of creativity and community. The city’s culinary scene, too, is noteworthy, with the famed Round Rock Donuts serving as both a local favorite and a tourist attraction, their legendary Texas-sized donuts capturing both palates and hearts.
A lesser-known tidbit about Round Rock is its reputation as the “Sports Capital of Texas.” The city boasts a plethora of top-notch sports facilities and frequently hosts a wide range of tournaments, from youth soccer to adult softball.
In essence, Round Rock is a microcosm of Texas’s broader ethos. It champions progress while revering tradition, celebrates community spirit amid individual enterprise, and offers the comforts of urban living with the charm of a tight-knit town. For those who venture to this part of Central Texas, Round Rock promises a tapestry of experiences, interwoven with history, innovation, culture, and natural splendor.
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:
Tornadoes and Severe Storms: Severe weather, particularly tornadoes, is prevalent in Central Texas, with Round Rock being no exception. The city has a tornado index value of 240.08, which is notably higher than the Texas average of 208.58 and significantly above the U.S. average of 136.45. This index indicates Round Rock's elevated risk for tornado events. It's crucial to understand the difference between a tornado watch (which signals that conditions are favorable for tornadoes) and a tornado warning (which indicates a tornado has been sighted or picked up by radar).
Hurricanes and Severe Storm Winds: Round Rock has a Severe Wind Factor™ risk primarily from hurricanes. Historically, thunderstorm winds were reported 934 times within 50 miles of Round Rock from 1950 to 2010. The city has seen an increase in average maximum wind speeds over the last 30 years, and about 30% of homes in Round Rock are at risk from wind events.
Extreme Heat: Round Rock is predicted to experience a significant 228.6% increase in the number of days with temperatures exceeding 108ºF over the next three decades. This increasing trend emphasizes the need for appropriate precautions and infrastructure adaptations to deal with heatwaves.
Flooding: Flood events are among the most frequently recorded weather extremes in Round Rock, with 692 reported incidents within 50 miles of the city from 1950 to 2010.
Various Weather Extremes: Over the same period and area, there were notable occurrences of hail (1,234 incidents), heat (10 incidents), and winter weather (18 incidents). These figures underscore the variety of weather risks Round Rock residents might face.
What it is: Protection against damages from water or sewage backing up into the home.
Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.
What it is: Similar to Cyber Security Coverage, it offers a wider range of protections, including digital assets, personal data, and even potential cyber bullying incidents.
Why it's needed: As our lives become more digital, the potential risks we face grow, making comprehensive cyber protection increasingly essential.
What it is: Provides supplemental coverage for roof damage not included in standard policies.
Why it's needed: To ensure full protection for the most exposed part of the home, especially if the standard policy has limited roof coverage.
What it is: Guarantees that if part of your siding or roof is damaged, the replaced section will match the existing, undamaged areas.
Why it's needed: Aesthetic consistency is important for home value, and mismatched repairs can be visually unappealing.
What it is: Coverage against damages caused by pests like termites, rodents, etc.
Why it's needed: Pest damage can be expensive to repair and isn't always covered in standard policies.
What it is: The deductible is waived if there's a catastrophic ground cover collapse.
Why it's needed: In areas prone to such events, this can provide significant financial relief.
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.
