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 Lubbock, Texas -the hub city amidst the vast West Texas Plains! Situated amidst the sprawling plains of West Texas, Lubbock emerges as an oasis of culture, history, and vibrant Texan spirit. Known affectionately as the “Hub City” due to its pivotal role in the region’s economy and infrastructure, Lubbock is an intriguing juxtaposition of rustic charm and urban sophistication, echoing tales of the frontier days while embracing the dynamism of modern times.
Lubbock’s narrative is intertwined with the rugged spirit of the frontier. Founded in 1890 and named after Texas Ranger Thomas S. Lubbock, the city’s growth was spurred by the merger of two smaller towns, Old Lubbock and Monterey. Lubbock’s establishment as a county seat and its connection to the railroad fueled its development. Over the decades, it transformed from a quiet ranching town into a bustling center of commerce, education, and culture.
Lubbock stands as the economic, educational, and cultural epicenter of the South Plains. As home to Texas Tech University, the city not only attracts a diverse student body but also serves as a hub for research, innovation, and collegiate athletics. The agricultural and healthcare sectors further underscore its importance in the broader West Texas region.
Attractions & Natural Beauty: National Ranching Heritage Center: A testament to Lubbock’s deep-rooted ranching history, this museum offers a glimpse into the life of early settlers through historic structures and exhibits. Buddy Holly Center: Paying homage to Lubbock’s most famous son, this center celebrates the life and legacy of rock ‘n’ roll legend Buddy Holly.
Lubbock Lake Landmark: An archaeological site that chronicles the region’s history over the past 12,000 years, offering a unique perspective into the area’s ancient inhabitants.
Wind Power Center: Reflecting Lubbock’s commitment to renewable energy, this museum showcases the evolution of windmills and their significance in West Texas.
Joyland Amusement Park: A fun-filled destination for families, offering a plethora of rides and attractions.
The Llano Estacado: Known as the “Staked Plains”, this vast and breathtaking landscape surrounds Lubbock, characterized by its flatness and stark beauty.
Best Things to Do: Explore the Texas Tech University campus, especially during a Red Raider football game. Experience First Friday Art Trail, a monthly showcase of local art and culture. Sip on locally produced wines at the Llano Estacado Winery and McPherson Cellars. Visit the Prairie Dog Town, a unique attraction dedicated to these charming creatures of the plains.
Lesser Known Facts: Lubbock is known as the “City of Murals” due to the array of stunning wall murals scattered across the town. The city claims to have the largest contiguous cotton-growing region in the world. Lubbock experiences a rare meteorological phenomenon known as “Lubbock Lights,” a series of unidentified flying object sightings in 1951.
In essence, Lubbock is a city that wears its history with pride, yet constantly looks ahead. Its charm lies in its ability to balance the tranquility of the plains with the bustling energy of a modern urban center. Whether you’re drawn to its musical legacy, its academic vigor, or the allure of the endless horizon, Lubbock invites you to discover the heart and soul of West Texas.
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:
Tornadoes are nature's most violent storms, appearing suddenly without warning and sometimes remaining invisible until picking up dust and debris or forming a funnel cloud. Lubbock's location in Texas makes it a hotspot for tornadoes, especially between March and August. In addition to tornadoes, Lubbock is exposed to other severe wind events. With 96,127 properties at risk within the next 30 years, wind events can easily overturn or significantly damage mobile homes.
Safety Precautions for Mobile Home Owners:
Always monitor local weather forecasts and have a reliable source of alerts. When a tornado watch is issued, prepare to seek shelter immediately. At the onset of a tornado warning or if a tornado is sighted nearby, evacuate the mobile home immediately and seek a safer shelter, like a building with a strong foundation or a designated community storm shelter. Avoid seeking shelter under overpasses or bridges.
Wildfires can spread rapidly, consuming vegetation, structures, and anything else in their path. With 31,432 properties in Lubbock at risk over the next 30 years, mobile homes are especially vulnerable due to their construction materials and often remote locations.
Safety Precautions for Mobile Home Owners:
Maintain a defensible space around your property by clearing dead vegetation and other flammable materials. Ensure your home has working smoke alarms and keep an emergency evacuation kit ready. Always heed evacuation orders from local authorities. Have a clear evacuation route planned and practice it with family members. Stay updated on local news or listen to emergency channels to be informed of the fire's progression.
Lubbock, like much of Texas, experiences varying degrees of winter weather. This can range from subfreezing temperatures to heavy snow or even ice storms. For mobile home owners, these conditions can pose risks in terms of heating, pipe freezing, and structural damage.
Safety Precautions for Mobile Home Owners:
Ensure that the home is well-insulated to maintain warmth during cold snaps. Use safe heating sources, avoiding flammable materials and ensuring proper ventilation to prevent carbon monoxide poisoning. Keep a stock of extra blankets, warm clothing, and an emergency kit in case of power outages. Ensure pipes are insulated to prevent them from freezing and bursting. Monitor local weather reports for upcoming winter weather and heed any warnings or advisories.
Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.
Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.
Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.
Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
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.
