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 Missouri City, Texas – A Haven of Suburban Elegance, Natural Scenery, and Community Harmony
Step into Missouri City, where the beauty of suburban elegance intertwines with pockets of natural scenery and a thriving sense of community. Located in the southeastern part of the state near Houston, Missouri City is more than just a residential haven; it’s a city that celebrates its diversity, champions its history, and nurtures its green spaces.
The roots of Missouri City date back to the late 19th century when it was founded as a commuter town on the rail line between Houston and Galveston. While it has grown substantially since its early days, the city preserves its history through landmarks like the DeWalt Heritage Center, which brings to life the story of Missouri City’s transformation from a farming community to a modern suburban city.
But Missouri City is not just about preserving the past; it’s also about embracing the beauty of the present moment, especially when it comes to nature. The Buffalo Run Park is a magnificent display of the city’s commitment to the environment, offering fishing docks, hiking trails, and bird-watching opportunities. Similarly, Kitty Hollow Park features lush landscapes, a serene lake, and numerous recreational amenities, inviting residents to immerse themselves in the beauty of the outdoors.
Community events and gatherings are an integral part of life in Missouri City. The annual Snowfest Festival, complete with a parade and fireworks, heralds the winter holidays and brings the community together in a spirited celebration. Cultural diversity is also celebrated in events like the Community Night Out and various cultural fairs, reflecting the city’s rich ethnic mosaic. On the culinary front, Missouri City offers a plethora of choices to satisfy any appetite. From Texan BBQ joints to international cuisines, the city’s food scene is as diverse as its population. This culinary variety is not just a feast for the palate but also a testament to the city’s inclusivity and cultural richness.
A lesser-known but significant aspect of Missouri City is its commitment to education and the arts. The city hosts an array of educational programs and activities, supported by a strong network of public and private schools. Arts and culture find a place too, with various galleries, theater productions, and concerts happening throughout the year. From its rich history to its natural parks, from its community spirit to its gastronomic delights, Missouri City stands as a well-rounded community that has something for everyone. Whether you’re drawn by its historical roots, enchanted by its natural sanctuaries, or invigorated by its community-centric activities, Missouri City offers a balanced and enriching lifestyle. Come explore this Texas gem, where each facet contributes to a mosaic of suburban grace, natural wonder, and community harmony.
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: Missouri City has an "extreme" heat risk, with all homes having an extreme heat liability. Implications for Mobile/Manufactured Homeowners: Possible structural damage from extended heat exposure. Health risks due to high temperatures, especially for vulnerable populations. Elevated energy bills from increased air conditioning use.
Description: 14,265 properties in Missouri City are likely to be severely affected by flooding over the next 30 years. Implications for Mobile/Manufactured Homeowners: Potential property damage from water, mold, and associated hazards. Decreased property value in areas repeatedly affected by floods. Elevated insurance premiums or possible denial of coverage.
Description: 11,640 properties in Missouri City are at risk of being affected by a wildfire within the next 30 years. Implications for Mobile/Manufactured Homeowners: Risk of property damage or loss from wildfires. Health hazards from smoke and compromised air quality. Increased insurance premiums in wildfire-prone areas.
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: Protection against damages caused by sinkholes, which are ground collapses resulting from the dissolving of bedrock. Why it's needed: Particularly important in areas known for sinkhole activity. Sinkholes can cause sudden and severe damage to structures on the surface.
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.
What it is: Protects against damages from windstorms and hail. Why it's needed: Especially vital in regions prone to strong winds or frequent hailstorms.
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: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation. Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.
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.
