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 Franklin, Tennessee – a place where history, culture, and southern charm found itself in the rolling hills of Middle Tennessee. Franklin is a city that seamlessly blends its rich historical heritage with modern sophistication. Known for its picturesque streets, vibrant arts scene, and deep-rooted Southern hospitality, Franklin invites visitors and residents alike to experience the essence of Tennessee charm. Whether you’re strolling through its historic downtown or exploring its lush parks, Franklin offers a unique blend of past and present that makes it one of the most captivating destinations in the South.
Franklin’s story begins in 1799 when it was founded and named in honor of Benjamin Franklin. The city quickly became a thriving hub in the region, but it was during the Civil War that Franklin truly made its mark on American history. The Battle of Franklin, fought on November 30, 1864, was one of the bloodiest battles of the Civil War and had a profound impact on the city. Today, the history of this battle is preserved through various landmarks and museums, offering a poignant glimpse into the past.
Carnton, a historic plantation that served as a field hospital during the Battle of Franklin, is one of the city’s most significant sites. Visitors can tour the mansion, explore the grounds, and visit the McGavock Confederate Cemetery, the largest privately owned Confederate cemetery in the United States. The Carter House and Lotz House, both of which also played crucial roles during the battle, provide additional perspectives on the war and its effects on the local community.
The city’s dedication to preserving its history is evident in the Franklin Battlefield Park, where visitors can walk the same grounds, where soldiers once fought. The annual Battle of Franklin Commemoration and the Pilgrimage Festival further highlight the city’s deep connection to its past, bringing history to life through reenactments, music, and storytelling.
Franklin’s historic downtown is the heart of the city, where cobblestone streets lined with beautifully preserved 19th-century buildings create a charming atmosphere. The downtown area is home to an array of boutiques, galleries, restaurants, and music venues, making it a vibrant destination for shopping, dining, and entertainment.
Main Street, the centerpiece of downtown Franklin, is where you’ll find some of the city’s most beloved establishments. The Franklin Theatre, originally opened in 1937, has been meticulously restored and now hosts live performances, movies, and community events. Nearby, Puckett’s Grocery & Restaurant offers a taste of Southern cuisine with a side of live music, a perfect spot to experience the local culture.
Franklin’s commitment to the arts is also reflected in its numerous galleries and public art installations. The FirstBank Amphitheater, located at the Graystone Quarry, hosts major concerts and events, attracting visitors from across the region. The annual Main Street Festival and the Franklin Art Scene are just a few of the many events that celebrate the city’s vibrant creative community.
Surrounded by the scenic beauty of Middle Tennessee, Franklin offers plenty of opportunities to connect with nature. The city’s parks and green spaces provide a perfect setting for outdoor activities, whether you’re interested in hiking, biking, or simply enjoying a picnic in the great outdoors.
One of Franklin’s most popular outdoor destinations is the Natchez Trace Parkway, a historic road that runs from Nashville to Natchez, Mississippi. The Parkway is ideal for scenic drives, cycling, and hiking, with numerous trails that offer stunning views of the countryside. Along the Parkway, you’ll find the Natchez Trace Parkway Bridge, an architectural marvel that spans 1,572 feet and provides breathtaking vistas of the valley below.
Harlinsdale Farm, a former horse farm now converted into a park, is another local favorite. The park is home to The Park at Harlinsdale Farm, a large equestrian facility, and is the site of the annual Pilgrimage Music & Cultural Festival. This expansive park offers walking trails, fishing, and plenty of open space to relax and enjoy the peaceful surroundings.
Franklin is full of hidden gems that add to its charm and allure. The Leiper’s Fork community, just a short drive from downtown Franklin, is a quaint village that feels like a step back in time. Known for its art galleries, antique shops, and live music, Leiper’s Fork is a must-visit for those looking to experience the local culture in a more intimate setting.
For history enthusiasts, the Eastern Flank Battlefield Park is a lesser-known but significant site. This park preserves part of the battlefield from the Battle of Franklin and offers walking trails and interpretive signs that provide insight into the events that took place there.
Franklin is also home to unique local businesses that reflect the city’s creative spirit. The Factory at Franklin, a former stove manufacturing plant, has been transformed into a vibrant retail and entertainment complex. It’s a great place to shop for locally made goods, enjoy a meal, or attend one of the many events held there throughout the year.
Franklin, Tennessee, is a city that embraces its rich history while fostering a vibrant, modern community. From its historic battlefields and charming downtown to its thriving arts scene and beautiful parks, Franklin offers something for everyone. It’s a place where the past is honored, the present is celebrated, and the future is bright.
Whether you’re exploring its historic sites, enjoying a live performance at the Franklin Theatre, or simply taking in the natural beauty of the surrounding countryside, Franklin invites you to experience the warmth and hospitality that make it a true gem in the heart of Tennessee. Welcome to Franklin—a city where history lives on and new memories are made every day.
Yes, mobile home insurance is essential in Tennessee due to the state’s diverse climate and environmental challenges. Insurance provides financial protection against natural disasters, liability issues, and potential losses due to theft or vandalism. Given Tennessee's susceptibility to tornadoes, flooding, and winter storms, having comprehensive coverage ensures you are financially protected in case of damage or loss.
In Tennessee, insurance premiums for homeowners are influenced by a variety of factors. The insurer you choose can significantly impact the premium you pay, as different companies may offer varying rates for similar coverage. Additionally, your decisions regarding the amount of coverage you purchase also affect your premium. Here are some key factors that insurers consider when determining your premium:
By understanding these factors, homeowners in Tennessee can make informed decisions about their insurance needs and find ways to potentially lower their premiums.
The cost of mobile home insurance in Tennessee varies based on several factors:
On average, mobile home insurance in Tennessee can range from $300 to $1,000 annually, depending on these factors.
These weather risks highlight key concerns for Franklin, emphasizing the need for preparedness and adaptation strategies to address tornadoes, flooding, and heat. Addressing these risks effectively will help enhance community resilience and safety.
Franklin experiences a moderate rate of property crime, with incidents such as motor vehicle theft, arson, larceny, and burglary occurring more frequently than violent crimes. Although the property crime rate is relatively low compared to other U.S. cities, residents still face a notable risk.
Key Data:
Franklin has a relatively low violent crime rate, which is lower than the national average. Serious offenses, including armed robbery, aggravated assault, rape, and murder, are uncommon, making Franklin safer in terms of violent crime compared to many other communities.
Key Data:
Franklin has an overall crime rate of 12 per one thousand residents, placing it near the average for cities and towns across the U.S. Residents have a 1 in 81 chance of becoming a victim of either violent or property crime. Compared to other communities in Tennessee, Franklin’s crime rate is lower than approximately 46% of the state’s cities and towns. However, when compared to cities of similar size across America, Franklin is notably safer, with a crime rate that is lower than most.
Key Data:
Description: Invest in home security systems to protect against theft and vandalism. Importance: Security systems help safeguard your home, especially in areas with higher crime rates.
Description: Make necessary accessibility improvements if needed for mobility issues. Importance: Ensuring accessibility improves safety and convenience for all residents, especially for those with disabilities.
Description: Purchase a home warranty to cover repairs and replacements. Importance: A home warranty can provide financial protection for repairs, which is beneficial for managing unexpected costs.
Description: Ensure that your home is properly anchored to its foundation. Importance: Proper anchoring is critical for stability, especially in areas prone to high winds or storms.
Description: Inspect the roof for leaks or damage, particularly after storms. Importance: With Tennessee’s frequent rain and occasional severe weather, maintaining a sound roof is essential to prevent leaks and water damage.
Description: Keep skirting in good condition to protect the home’s underbelly from pests and weather. Importance: Proper skirting prevents animals and moisture from damaging the home, which is important in Tennessee’s varying climate.
While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.
The State of Manufactured Housing in Tennessee:
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Insights: Manufactured housing plays a crucial role in Tennessee’s housing market due to its affordability compared to traditional homeownership and renting. However, the age of many of these homes, particularly those built before 1980, can lead to higher maintenance costs for homeowners. The affordability and availability of manufactured homes provide an essential housing option, particularly for low- and moderate-income residents, despite potential future expenses related to older units.
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Insights: Tennessee offers slightly more affordable housing than the national average, and the state has a relatively low foreclosure rate. However, homeownership rates vary significantly by demographic factors such as race, income, and family structure. Manufactured housing can help bridge some of these gaps by providing an affordable homeownership option. With a substantial portion of manufactured housing being affordable, this type of housing is critical in meeting the state’s need for low-cost housing solutions.
Key Data:
Insights: Manufactured housing is a vital component of affordable housing in Tennessee, particularly for very low-income homeowners who face lower housing cost burdens compared to other forms of homeownership. The significant cost savings per square foot make manufactured homes an attractive option for those seeking affordable housing. This type of housing is essential for providing stable and cost-effective living conditions for a large portion of Tennessee’s population, particularly in a state where homeownership challenges vary widely.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
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Insights: In 2023, Tennessee maintained strict regulations on mobile home ownership to ensure clarity and accountability in property transactions. The titling process serves as irrefutable proof of ownership and imposes the responsibility to transfer the title to the new owner during a sale or transfer. Non-compliance can result in legal and financial penalties, highlighting the importance of adhering to these regulations.
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Insights: The placement of mobile homes in Tennessee is tightly regulated by local zoning ordinances, which can differ significantly across regions. Mobile home owners must thoroughly research and comply with these local ordinances to ensure they meet requirements such as property line setbacks, minimum lot sizes, and allowed mobile home types. Understanding these zoning laws is essential for a harmonious community integration and to avoid potential legal issues.
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Insights: In 2023, Tennessee continues its commitment to mobile home residents’ safety by enforcing rigorous safety standards. These standards cover critical aspects of mobile home living, ensuring that homes meet specific requirements for electrical systems, plumbing, heating, and ventilation. Mobile home owners should be prepared for periodic inspections to maintain compliance, underscoring the state’s dedication to secure and habitable living environments for all residents.
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Insights: Tennessee’s regulations for the transportation and installation of mobile homes prioritize safety and structural integrity. These regulations mandate acquiring the necessary permits and adhering to established guidelines during the disassembly, transportation, and reinstallation processes. Compliance with these regulations is crucial to ensure the safety of the mobile home and the community it is placed within.
In Tennessee, manufactured home residents have homeownership rates comparable to those of residents in other types of housing. Approximately 66% of manufactured home residents own their homes, which mirrors the 66% homeownership rate seen among residents of traditional site-built homes. This parity underscores the significant role that manufactured homes play in providing affordable housing options that facilitate homeownership in the state.
Financing for manufactured homes differs notably from traditional home financing. Owners of manufactured homes are less likely to have a conventional mortgage and are more likely to use personal property loans. These loans, which often come with higher interest rates, shorter prepayment periods, and fewer consumer protections, present unique challenges for manufactured home owners. Unlike traditional mortgages, personal property loans typically classify homes as personal property, akin to vehicles.
This classification can lead to financial drawbacks, as lenders may use depreciation tables similar to those in the auto industry to determine the value of these homes. Consequently, manufactured home owners may experience a decline in their home’s value over time, making it more challenging to build equity and wealth through homeownership. Despite these challenges, the accessibility of personal property loans continues to enable many Tennesseans to achieve homeownership through manufactured homes.
Overall, while manufactured home residents in Tennessee enjoy similar homeownership rates to those living in site-built homes, the financial pathways they navigate can be markedly different, often requiring careful consideration and planning to maximize the benefits of their home investment.
The Manufactured Housing and Modular Buildings Section of the Tennessee Department of Commerce and Insurance oversees the regulatory framework for HUD-labeled manufactured homes and modular buildings. Operating under TCA Title 68 and federal mandates like the National Manufactured Housing Construction and Safety Standards Act of 1974, the section plays a pivotal role in licensing manufacturers, retailers, and installers of manufactured homes. It ensures compliance with safety standards through rigorous inspections and investigates violations of state and federal regulations. Additionally, the section collaborates with HUD as the State Administrative Agent, overseeing aspects such as construction quality control, consumer complaint resolutions, and post-production monitoring of homes in Tennessee.
For those involved in manufactured housing or modular construction in Tennessee, the section provides critical services like license application and renewal, verification, and handling of consumer complaints. It serves as a central hub for resources and information, facilitating the safe and compliant installation and maintenance of manufactured homes and modular buildings across the state. Residents and stakeholders can contact the Manufactured Housing Section at their Nashville headquarters for inquiries, licensing procedures, or to report any issues related to manufactured housing standards and regulations.
Since Tennessee is located inland, and does not have a coastline, there are no Coastal Insurance Pool Services available as per government/subsidized schemes. You might however find some add ons to your insurance plan, like the Inland Marine Select plan available for new construction of individual dwellings and commercial projects with limits of up to $3,000,000 available – according to construction type and protection class, with further limits of up to $500,000 per location – which is excluding wind & hail in coastal areas.
The Tennessee Manufactured Housing Foundation (TMHF), based in Mt. Juliet, TN, is dedicated to assisting Tennessee residents who are economically disadvantaged or facing challenging circumstances related to their manufactured homes. TMHF aims to support the repair and improvement of existing manufactured homes and provide replacement homes to those in need due to income limitations or other hardships.
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Insights: Understanding tenant rights and landlord responsibilities is vital for harmonious living in Tennessee’s mobile home parks. The current laws cover essential issues like rent increases, eviction procedures, and tenant protections, aiming to balance the interests of park owners and tenants. These laws foster fairness and equity, ensuring a mutually beneficial mobile home park experience in Tennessee.
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Insights: In 2023, Tennessee reinforced its commitment to environmental sustainability in mobile home communities by implementing strict environmental regulations. These rules address critical areas such as responsible sewage disposal, water quality maintenance, and efficient waste management. Adhering to these regulations promotes a healthier living environment and contributes to preserving the state’s natural resources.
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Insights: Staying informed about evolving mobile home laws and regulations is crucial for compliance in Tennessee. The legal landscape can undergo revisions and updates to address new issues and changing circumstances. By frequently checking for updates and consulting with relevant authorities, mobile home owners and residents can navigate new provisions effectively and continue enjoying the benefits of mobile home living with confidence.
Navigating the current mobile home landscape in Tennessee requires a thorough understanding of the state’s laws and regulations. From ownership and placement to safety standards and tenant rights, being aware of these laws is essential for both mobile home owners and residents. By staying informed and adhering to the latest regulations, you can ensure a smooth and compliant mobile home experience in the Volunteer State.
For more information on your rights visit the following resources:
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Franklin’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!
Historic Home Preservation Coverage
Harpeth River Flood Risk Coverage
Severe Storm and Tornado Coverage
Wildfire Protection Coverage
Luxury Home and High-Value Property Coverage
Green Home and Eco-Friendly Upgrade Rider
