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 Lewisville, Texas -a lakeside jewel with deep Texan roots! Situated in the bustling heart of North Texas, Lewisville is a captivating blend of historical depth, modern allure, and natural beauty. Nestled along the shimmering shores of Lewisville Lake and just a stone’s throw from Dallas, this vibrant city offers an array of experiences that resonate with both locals and visitors alike. From its early days as a frontier settlement to its modern evolution as a diverse and thriving community, Lewisville is a microcosm of Texan spirit and tenacity.
Lewisville’s origin dates back to the 1840s when the region was first settled by families attracted to the fertile blackland prairie. The arrival of the Missouri-Kansas-Texas Railroad in the late 19th century was a pivotal moment in its growth, transforming the once quiet settlement into a burgeoning commercial hub. Originally known as “Holford’s Prairie,” the town was renamed Lewisville in honor of Basdeal W. Lewis, one of its early residents.
Over the years, the construction of Lewisville Lake Dam in the 1950s has had a profound impact on the city’s landscape and economy, providing water resources, recreational opportunities, and serving as a magnet for development and tourism. Lewisville’s strategic location in the Dallas-Fort Worth metroplex has contributed to its growth and significance over the decades. Its blend of urban amenities and natural beauty provides a balance that attracts businesses and families alike. Furthermore, its commitment to preserving its historical sites while also embracing future developments gives Lewisville a unique dual character. Make sure you visit:
Lewisville Lake: Spanning over 29,000 acres, this vast lake is the city’s crowning jewel. Perfect for boating, fishing, swimming, and camping, it’s a haven for water enthusiasts.
Old Town Lewisville: With its historic charm and modern amenities, Old Town is a vibrant hub of shops, restaurants, and cultural activities. Several events and festivals are held here throughout the year.
Lewisville Lake Environmental Learning Area (LLELA): This nature preserve stretches over 2,000 acres, offering trails, bird-watching opportunities, and an immersive experience of the region’s natural ecosystems.
MCL Grand Theater: A modern facility dedicated to arts and entertainment, this theater is the hub for concerts, plays, art exhibitions, and more.
Medical City Lewisville Grand Theater: This multi-use arts center caters to both visual and performing arts, serving as a testament to the city’s commitment to fostering cultural growth.
Here are some quirky facts about Lewisville, TX that you may not know about: Lewisville was once home to the discovery of a prehistoric skeleton, dating back over 2,000 years, known as the “Lewisville Man.” The city has an extensive urban forestry initiative and has been recognized as a Tree City USA for multiple years.
The “Fighting Farmers” is the unique mascot for Lewisville High School, paying homage to the city’s agricultural roots.
Lewisville, Texas, is a city of contrasts—where the echoes of the past harmoniously blend with the melodies of the present. It’s a place where community spirit is palpable, nature beckons at every corner, and the horizon promises endless possibilities. Whether you’re drawn to its historical streets, its thriving arts scene, or the serene embrace of Lewisville Lake, there’s a piece of Lewisville waiting to resonate with your story.
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:
Excessive heat warnings are issued when temperatures soar to dangerous levels, like the recent alert suggesting temperatures up to 108°F with heat indices reaching a stifling 113°F. In conjunction with heat advisories, poor air quality alerts, such as the Ozone Action Day, heighten concerns, indicating that the combination of heat and pollutants can make outdoor conditions harmful.
Insurance Implications for Mobile Home Owners
Mobile homes can quickly become unbearable heat chambers if not adequately cooled. Prolonged exposure to high temperatures can degrade the structural integrity of mobile homes. Poor air quality can be trapped inside mobile homes, leading to respiratory and health problems.
The tornado index for Lewisville, TX, is significantly higher than the national average, suggesting that the area is at a pronounced risk of experiencing tornado events.
Implications for Mobile Home Owners:
Mobile homes are especially vulnerable to tornados, with potential for complete destruction.
Evacuation may be necessary, putting residents at risk of injury or loss of life.
Mitigation Measures:
Ensure that mobile homes are anchored securely to their foundations. Invest in a storm shelter or identify the nearest community tornado shelter. Stay informed about weather updates, especially during tornado season, and have an evacuation plan in place.
The frequency of thunderstorm winds and hail incidents is quite high in Lewisville. In addition, while not as frequent, flooding remains a significant concern.
Implications for Mobile Home Owners:
Hail can cause substantial damage to the exterior of mobile homes, including broken windows and damaged roofs.
Thunderstorm winds can overturn mobile homes or cause structural damage. Flooding can erode the ground beneath mobile homes and introduce water damage.
Mitigation Measures:
Use storm shutters or protective measures for windows during hail predictions. Elevate mobile homes or ensure they are placed in areas less prone to flooding. Consider adding barriers or landscaping features around the mobile home to divert water during heavy rainfall.
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: 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: 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.
What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.
Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.
What it is: Increases the coverage amount for specific, valuable personal property items.
Why it's needed: Standard policies might not fully cover high-value items. This customization ensures adequate coverage.
What it is: Protection against damages from weather events like tornadoes, hurricanes, hail, and more.
Why it's needed: Mobile homes can be especially vulnerable to severe weather events. This coverage offers peace of mind in volatile climates.
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.
It's essential to compare quotes from various insurance providers and work with local agencies that understand Lewisville's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!
Tornado and Windstorm Coverage:
Local Environmental Hazard Coverage:
