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 Arlington, Texas -a testament to the enduring spirit of the American Dream. When you step onto its sprawling landscapes that span almost 100 square miles, and immerse yourself amongst its 400,000 vibrant souls, you’re not just stepping into a city. You’re stepping into a legacy.
A city with such an illustrious past, Arlington’s journey from its origin as a muddy fort on an oxbow lake near the Trinity River to its contemporary stature is nothing short of a captivating tale. Its history resonates with stories of valiant Texas Rangers, spirited Comanches, magnificent herds of bison, a relentless westward expansion, and an urban metamorphosis fueled by gas drilling. The streets of downtown have echoed with the cacophony of six-shooter battles, and its plazas have danced to the rhythms of cotton gins and saloons. Yet, each chapter of its history, be it the era of high-stakes gambling, the tussles of prohibition, or its embrace of super-charged tourism, only strengthens the city’s ethos: a relentless, gritty pursuit of progress.
For many decades, Arlington’s charm lay in its quintessential Main Street ambiance. In the mid-20th century, it was a picturesque town adorned with drug stores, movie houses, pool halls, and a community brought together by local Rotarians and haberdashers. The town had its fair share of notoriety too, known for its mineral waters, high-stake gambling dens, and gangsters. However, contrasting this reputation were the compassionate endeavors like the Berachah Home for unwed mothers and its commitment to academia, evident in its long-standing identity as a college town.
Over time, Arlington transformed. It evolved from a town known for mineral waters and mavericks to the poster child of American suburban evolution, capturing the nation’s shift towards suburban living. Today, Arlington has a global reputation. Millions worldwide recognize it as the proud host of the 2011 Super Bowl and the home ground for the Texas Rangers in their legendary World Series games. It isn’t just about sports; Arlington has become synonymous with roller coasters, significant league events, and vibrant entrepreneurship. Yet, it never forgets its roots, with one foot firmly placed in its rich history.
The geology of Arlington is as diverse as its history, divided by the hilly Eastern Cross Timbers, harking back to a time 65 million years ago when it would have been an oceanic beach. As the city continues to expand, both in terms of area and spirit, its leaders remain committed to its growth. Visionaries like Richard Greene ensured that General Motors and the Texas Rangers stayed in Arlington, while Bob Cluck played an instrumental role in bringing the Dallas Cowboys to the city. Arlington today boasts world-class facilities like the Globe Life Field and the National Medal of Honor Museum, reflecting its ever-evolving identity.
As the “Best Big City” in the South, as dubbed by Money magazine, and the No. 1 City for Economic Development in North Texas, according to the Dallas Business Journal, Arlington proudly houses globally recognized entities such as the Dallas Cowboys, Texas Rangers, General Motors, and the Six Flags Over Texas. Its commitment to education, from pre-K to Ph.D. programs, stands unwavering, with institutions like Tarrant County College and the University of Texas at Arlington fostering dreams.
In Arlington, dreams aren’t just dreams; they are transformed into reality. This city embodies the true American spirit of determination, resilience, and innovation. It’s a city that, irrespective of its immense growth and global recognition, remains deeply connected to its roots. So, welcome to Arlington, where dreams meet determination, where history meets innovation, and where every visitor gets a taste of the great American odyssey. Welcome to our can-do community!
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:
Risks for Mobile Home Owners:
Direct hit causing total loss of the mobile home.Insurance Implications:
Risks for Mobile Home Owners:
Hail can dent the exterior of a mobile home, break windows, or damage the roof.Insurance Implications:
Property Damage: Ensure your policy covers hail, wind, and lightning damage. Some policies might require a separate hail or windstorm endorsement.Risks for Mobile Home Owners:
Prolonged exposure to heat can warp or damage materials used in the construction of the mobile home.Insurance Implications:
Property Damage: While direct damage from temperature extremes might not be covered, the resulting damage (like a burst pipe) often is.What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.
Why it's needed: Food spoilage can lead to significant costs, especially after major outages.
What it is: Augments the liability limits for heightened protection.
Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.
What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.
Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.
What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.
Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.
What it is: Covers the expense of replacing locks if keys are stolen.
Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.
What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.
Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.
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.
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