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 Garland, Texas – a city that beautifully weaves the strands of economic vitality, cultural richness, and communal warmth into a captivating tapestry. Situated northeast of Dallas, Garland may be part of the sprawling DFW Metroplex, but its essence resonates with a singular character that makes it stand apart as a vibrant and welcoming community.
Founded in the late 19th century, Garland has progressed from a rural town to an industrial powerhouse, home to a diverse range of businesses, including electronics, steel fabrication, and food processing. Yet, this industrial might has not overshadowed the city’s commitment to preserving its history. The Landmark Museum at Heritage Crossing tells the tale of Garland’s journey through time, offering a glimpse into the city’s evolution from agrarian roots to industrial prominence.
While the city’s economic framework is robust, Garland also offers an array of natural and recreational spaces that serve as a counterbalance to its industrial demeanor. The shimmering waters of Lake Ray Hubbard offer a tranquil setting for fishing, boating, and other water activities, while numerous parks like the Spring Creek Forest Preserve provide an inviting backdrop for hiking, picnicking, and nature observation.
Garland’s cultural landscape is equally enthralling. The city is a hub for arts and entertainment, exemplified by the Garland Opry, which has long been a platform for aspiring country musicians. The Plaza Theatre, an art-deco marvel, hosts a variety of performances, from plays and musicals to concerts, bringing the community together in celebration of the performing arts. Food is another arena where Garland’s diverse heritage shines. The city’s culinary landscape is a melting pot of flavors, offering everything from traditional Southern barbecue to an assortment of international cuisines. Whether it’s the charm of a local diner or the sophistication of a fine dining establishment, Garland’s gastronomy offers something for every palate.
One lesser-known fact about Garland is its commitment to sustainability and environmental conservation. The city has invested in green initiatives such as recycling programs and the promotion of renewable energy, affirming its responsibility toward future generations. These efforts have earned Garland various awards and recognitions, including being named a ‘Tree City USA’ for its dedication to urban forestry.
From its bustling industrial sectors to its serene natural spots, from its lively cultural venues to its wide-ranging culinary delights, Garland presents a living portrait of a community that is as economically robust as it is culturally vibrant. Whether you’re drawn by its economic opportunities, charmed by its community events, or captivated by its natural beauty, Garland welcomes you with open arms. Come and discover this Texas gem, where the spirit of community and the drive for progress come together in a harmonious blend.
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:
Hazard Description: Tornadoes are rapidly rotating vortices of air that can cause substantial damage and even fatalities. On average, the City of Garland is issued 9-10 tornado watches per year.
Implications for Mobile Home and RV Owners: Tornadoes are highly dangerous for mobile homes and RVs, which are far less stable than traditional homes and can be easily overturned or destroyed by high winds.
Safety Measures: Know the locations of the nearest storm shelters and have a route planned. Have a weather radio to stay updated on tornado watches and warnings. If a tornado warning is issued, evacuate your mobile home or RV immediately for a sturdier shelter.
Hazard Description: Severe winter weather can include heavy snowfall, sleet, or ice. It can lead to worsening conditions if precipitation is frozen.
Implications for Mobile Home and RV Owners: Mobile homes and RVs are typically not well-insulated, making them susceptible to cold weather hazards. This can lead to frozen pipes, and inadequate heating can pose health risks.
Safety Measures: Ensure your mobile home or RV is well-insulated and has a reliable heating system. Keep extra blankets, warm clothing, and emergency supplies on hand. In extreme conditions, consider moving to a more robust structure or warming center.
Hazard Description: Flooding is a prevalent risk, with three types affecting Garland: river, inland, and flash flooding. Flash floods are particularly dangerous and can occur within minutes of excessive rainfall.
Implications for Mobile Home and RV Owners: The lightweight structure of mobile homes and RVs makes them highly vulnerable to flooding, which can result in the complete loss of the home or vehicle.
Safety Measures: Park your mobile home or RV in elevated areas and far away from flood-prone zones. Monitor weather reports and have an evacuation plan. Consider installing barriers or other flood prevention measures around your mobile home or RV.
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.
What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.
Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.
What it is: Provides added coverage for rebuilding expenses that go over the policy's stated limit.
Why it's needed: Rebuilding costs can escalate due to factors like increased materials prices or changes in building codes. This ensures full coverage.
What it is: Specifically covers repairs linked to foundation or water damage.
Why it's needed: Foundation repairs are costly, and water damage can lead to further complications like mold. This add-on provides targeted protection.
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.
