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Nature of the Risk:
Texas sits in the heart of what meteorologists refer to as "Tornado Alley." This means that Allen is particularly susceptible to the twists and turns of these violent windstorms.Insurance Implications:
While standard homeowners' insurance usually covers tornado damage, it's essential to review the policy details. Ensure that it includes any auxiliary structures, like sheds or detached garages. Furthermore, remember that coverage might differ if the damage is a result of flooding following a tornado.Nature of the Risk:
Allen has seen its fair share of hailstorms over the years. These can be especially damaging, with hailstones ranging in size from tiny pellets to golf balls and even larger. They can cause significant damage to roofs, cars, and outdoor structures.Insurance Implications:
Hail damage is typically covered under standard homeowners' and auto insurance policies. However, some policies might carry a separate, higher deductible for hail damage. Regularly inspecting your property and car after a storm can lead to early detection and timely claims.Nature of the Risk:
Flash floods are sudden inundations, often caused by heavy rainfall. Allen's terrain and the occasional propensity for torrential downpours can make certain areas vulnerable to this risk.Insurance Implications:
Here's where many homeowners might get caught off-guard. Standard homeowners' insurance does not typically cover flooding. To protect against potential flood damage, one would need to purchase separate flood insurance. If living near a known flood zone, this is highly advisable.Violent Crime Rate: 1 per 1,000 residents.
This includes severe offenses like armed robbery, aggravated assault, non-statutory rape, and murder. Residents have a 1 in 963 chance of being a victim of violent crime, akin to the national average.Property Crime Rate: 9 per 1,000 residents.
This encompasses crimes like burglary, larceny (over $50), grand theft auto, and arson. Allen's rate for property crimes aligns with the average for cities and towns across the U.S.
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: If a mobile home is rented out and becomes uninhabitable due to a covered event, this provides compensation for lost rental income.
Why it's needed: For property owners who rely on rental income, it ensures financial stability after unexpected events.
What it is: Protection against risks related to digital threats, like hacking, data breaches, or ransomware.
Why it's needed: As homeowners increasingly rely on smart devices and home networks, they become targets for cyber-attacks, making this coverage ever more essential.
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.
The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.
The mobile home has been inspected, and an inspection approval form has been completed and issued verifying that the home is blocked and tied down in accordance with the required standards with no violations of these standards. The form may be on file with the TDHCA. If a form is not on file with the TDHCA or the form is over five years old, a new inspection approval form that indicates no violations of the blocking and tie down requirements must be obtained through an installer licensed by the TDHCA. 41 Effective October 1, 2008
defends against damages when drains, pipes, or sewers back up, but not from floods. Annual cost range: $50-$250.
aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.
Nestled in Wylie, Texas, Glen Knoll offers a warm, welcoming community for all ages.
Key attractions:
Close to the renowned In-Sync Exotics Refuge, Lavon Lake, and Breckinridge Park.
Nearby top-rated school district, ensuring quality education for your children.
Easy access to Garland, just 9 miles away.
Commute hassle-free with local buses, and explore both the city and its surroundings.
Local favorites include Chiloso Mexican Bistro, Meteor Hamburgers, Target, Lowe's, Walmart, and the chic Firewheel Town Center.
An added bonus: Glen Knoll is pet-friendly, so your furry friends can join in the joy.
A pristine all-age manufactured home community nestled in Lewisville, TX.
What sets Northwood apart?
Well-maintained, safe, and brimming with convenience.
Quick access to local amenities - schools, shopping, recreation, and more.
Features:
Lush grounds
Illuminated streets
Friendly and responsive on-site management by RHP Properties.
Affordable housing with options to buy or rent starting at $450 per month.
Financing options also available for potential mobile home buyers.
Picture-perfect homes set against Princeton’s downtown backdrop.
Why choose The Estates?
Offers both homes for rent and for sale, catering to varied needs.
Amenities to foster community spirit:
Swimming Pool
Playground
Clubhouse
Picnic Area
Keyed Mailboxes
Grass Rec Area
Walking Trails
Tucked away in Allen, Texas, this community boasts luxury, affordability, and engagement.
Standout features:
Proximity to historic downtown spots like Chestnut Square and Downtown McKinney.
Engaging amenities: from spiritual activities and card games to weekly trips exploring Allen.
A plethora of events: Happy Hours, exercise classes, and enlightening presentations.
A place that truly feels like home.
Being a part of the global Coldwell Banker network means unparalleled real estate knowledge and expertise.
Achievements:
50+ years of trusted service.
Notable ranks: #1 Coldwell Banker affiliate in Texas and Louisiana.
Over $4.9 Billion in annual closed sales volume.
Community-driven, with partnerships spanning schools, charities, and nonprofits.
Offers extensive exposure to listings with 22 office locations across Texas & Louisiana.
Located at 1414 S Tennessee St, McKinney, TX 75069.
Unique selling points:
Lies within a top-ranked school district.
Proximity to premier shopping venues, schools, and markets.
Hassle-free commutes with easy highway access.
Amenities include air-conditioned units, city water and sewer, off-street parking, and the convenience of online bill payments.
Variety in housing options: single-wide, double-wide, two-bedroom, and three-bedroom homes.
Finding the Best Mobile Home Insurance in Allen, TX
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CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
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Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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