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 Frisco, Texas – a city that combines the thrill of rapid growth with the comfort of well-rooted community values. Nestled in the Dallas-Fort Worth Metroplex, Frisco is far more than just another suburb; it’s a burgeoning city with its own distinct flavor, offering an enriching mix of innovation, family orientation, and enduring traditions.
Frisco has evolved from a sleepy farming town into one of America’s fastest-growing cities, and its transformation has been nothing short of phenomenal. The city’s commitment to creating an atmosphere of innovation is evident in projects like the $5 billion mile, a stretch that houses corporate headquarters, retail spaces, and world-class sporting venues. Yet, amid the high-tech gloss, Frisco retains its community-oriented focus, with an exceptional education system and numerous family-friendly facilities that make it an ideal place to raise a family.
For those with an affinity for the great outdoors, Frisco doesn’t disappoint. The city is adorned with a wide array of parks and trails, including the scenic Frisco Commons Park, which offers families a lush setting for picnics, fishing, and leisurely strolls. More adventurous souls can explore the many biking and hiking trails that traverse the city’s landscapes, providing both exercise and communion with nature.
One of Frisco’s most defining features is its passion for sports. The city is home to The Star, the Dallas Cowboys’ headquarters and training facility, as well as the Dr Pepper Ballpark, where the Frisco RoughRiders offer baseball fans a taste of Americana. For soccer enthusiasts, the Toyota Stadium serves as the home base for FC Dallas, making Frisco a diverse sporting hub that appeals to fans of all types.
Adding to its multifaceted identity, Frisco places great emphasis on cultural enrichment. The Frisco Discovery Center is a beacon for art, science, and history, hosting a variety of exhibitions, performances, and educational programs throughout the year. The city’s numerous events, from music festivals to farmers’ markets, add a communal flair that brings residents together in celebration of local talents and wares.
What you might find surprising about Frisco is its dedication to sustainability. From green building incentives to recycling programs, the city is taking decisive steps to reduce its environmental footprint. It’s a commitment that not only benefits current residents but also ensures that Frisco remains a desirable destination for future generations.
Frisco offers a life experience that seamlessly integrates the best of both worlds—the progressiveness of a modern city and the familiarity of a close-knit community. Whether you are drawn by its cutting-edge developments, its plethora of recreational options, or its strong sense of community, Frisco offers an environment where families, professionals, and visitors alike can thrive. Come discover this dynamic Texas city where tradition and innovation harmonize to create a tapestry of experiences that are as diverse as they are fulfilling.
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:
Risk Assessment in Frisco: North Texas, including Frisco, is susceptible to violent thunderstorms that can spawn tornadoes.
Implications for Mobile Home and RV Owners: Tornadoes can be especially devastating for mobile homes and RVs, which may not withstand the high winds and flying debris associated with these storms.
Safety Measures: Have a solid tornado safety plan and know where the nearest storm shelters are. Invest in a weather radio to stay updated on tornado watches and warnings. If a tornado warning is issued, evacuate your mobile home or RV immediately and seek sturdy shelter.
Risk Assessment in Frisco: Frisco is already experiencing extreme heat risk, which is projected to worsen, increasing from an average of 7 days per year above 101.1ºF to an estimated 36 days by 2050.
Implications for Mobile Home and RV Owners: Mobile homes and RVs are often not as well-insulated as traditional homes, making them susceptible to extreme heat. Prolonged exposure to these conditions could lead to health issues and strain on air conditioning systems.
Safety Measures: Install high-efficiency cooling systems or fans. Use reflective materials on windows to block out heat. Have a backup plan to move to a more robust structure during extended heatwave periods.
Risk Assessment in Frisco: About 7% of buildings in Frisco are at significant risk of flooding. Though not the highest risk, flooding is still a concern.
Implications for Mobile Home and RV Owners: Mobile homes and RVs are particularly vulnerable to being swept away or damaged during flash floods due to their lighter structures.
Safety Measures: Always park your mobile home or RV in elevated areas away from flood-prone zones. Keep an eye on local weather updates and have an evacuation plan ready. Consider installing barriers around the home to divert water.
What it is: Pays for clearing debris post a covered loss.
Why it's needed: Removal can be expensive and is often essential before repairs commence.
What it is: Insurance for homeowners with golf carts, including liability, medical payments, and damage coverages.
Why it's needed: Golf carts, while used for recreation, can still lead to accidents or be damaged.
What it is: Offers extra funds to replace roofs with eco-friendly materials.
Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.
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: Coverage for unintentional direct physical losses not specifically excluded or limited.
Why it's needed: Accidents happen, and this ensures unexpected damages are covered.
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.
