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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 McKinney, TX -McKinney, Texas: A Vibrant Mélange of Heritage and Natural Splendor
Nestled in the thriving expanse of Collin County, McKinney exudes an allure that masterfully weaves together the old-world charm of its historic past with the vibrancy of contemporary life. Recognized consistently as one of America’s best places to live, McKinney isn’t merely a backdrop to history and nature; it’s a thriving community that showcases the best of Texan warmth and spirit.
McKinney’s story began in the early 1840s, named in honor of Collin McKinney, a signer of the Texas Declaration of Independence and a noteworthy figure in early Texan history. While McKinney started as a modest farming town, the advent of the St. Louis Southwestern Railway in the late 19th century played a pivotal role in its development, facilitating trade and attracting residents. Today, McKinney stands tall as the county seat of Collin County, one of the fastest-growing regions in the nation. As a testament to its growth, the city has transformed from a primarily agricultural economy to a diversified hub, housing numerous corporations, businesses, and industries.
Attractions & Natural Beauty:
Historic Downtown McKinney: A stroll through its brick streets transports visitors to a bygone era, with beautifully preserved 19th-century buildings housing boutiques, eateries, and galleries. Heard Natural Science Museum & Wildlife Sanctuary: This 289-acre sanctuary is an ode to the region’s natural beauty, showcasing native plants, animals, and geology. The facility combines education with recreation, making it ideal for families. Towne Lake Recreation Area: Spanning 108 acres, this lake is the epicenter of outdoor activities, from paddle boating to fishing, and offers picturesque trails for hiking and biking. Chestnut Square Historic Village: A living testament to McKinney’s rich heritage, this village features historically significant buildings, ranging from a chapel to a one-room schoolhouse, offering regular tours and events.
Best Things to Do:
Dive into local artistry at the McKinney Performing Arts Center, located in the historic Collin County Courthouse in downtown McKinney. Experience the city’s culinary delights in its myriad restaurants, especially those that offer farm-to-table experiences showcasing local produce. Engage in seasonal festivities like the Home for the Holidays event, a beloved McKinney Christmas tradition, or the annual Oktoberfest. Explore the Erwin Park Hike & Bike Trail for a refreshing adventure amidst nature.
Little Known Facts:
McKinney is home to the Adriatica Village, a unique development inspired by the coastal towns of Croatia, specifically Supetar, a Croatian sister city of McKinney. An episode of the popular TV series “Prison Break” was filmed at the McKinney Performing Arts Center. The city has a unique “Tree Adoption Program” aimed at preserving and expanding its urban tree canopy. McKinney is a delightful tapestry of heritage, community, and natural splendor. It’s a place where history resonates in modern rhythms, where nature’s beauty is just a step away, and where every corner, from its historic downtown to its lush parks, promises an enchanting experience. Whether you’re captivated by its rich past, the serenity of its landscapes, or the allure of its contemporary spirit, McKinney beckons with the promise of genuine Texan hospitality.
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:
Extreme Heat: Between June and November, McKinney often experiences extreme heat, which can begin as early as April. This is characterized by temperatures that exceed the regional average high by 10 degrees or more for extended periods. The urban heat effect of the nearby Dallas / Fort Worth Metroplex makes McKinney especially susceptible. Alongside high temperatures, air quality can deteriorate, leading to increased concentrations of pollutants such as ozone and carbon monoxide. Alert Levels: The National Weather Service provides various alerts ranging from Excessive Heat Outlooks, which hint at potential heatwaves in the coming week, to Excessive Heat Warnings/Advisories, which indicate imminent or ongoing hazardous heat conditions. An Ozone Health Advisory indicates elevated ozone levels that can be harmful when inhaled.
Flooding: McKinney is susceptible to flooding due to various reasons: hurricane remnants, dam or levee failure, blocked drainage systems, or sudden heavy rainfall. Types of floods include the fast and sudden flash floods and the more prolonged, predictable floods resulting from prolonged rainfall or overflowing water bodies. Flood Preparation: Residents are encouraged to be aware of flood risks in their area, with the National Flood Insurance Program offering protection due to the lack of flood coverage in standard homeowner's insurance. Flood Insurance Rate Maps (FIRMs) categorize regions based on flood risk. Alert Levels: Flood watches and warnings alert residents to potential or imminent flooding, while flash flood watches and warnings indicate sudden, heavy rainfall that can quickly inundate roads and low-lying areas. Hail: McKinney, due to its location, can experience hailstorms, especially during severe thunderstorms and tornadoes. Hailstones can vary in size, from pea-sized to as large as a softball, causing varying degrees of damage.
Thunderstorms & Lightning: McKinney can witness thunderstorms that arise from the presence of moisture, unstable air, and lift (like a cold front). Thunderstorms can bring along straight-line winds, large hail, flash floods, and even tornadoes. There are also "dry" thunderstorms, where rain evaporates before reaching the ground, but lightning can still strike and potentially start fires. Alert Levels: The National Weather Service issues Severe Thunderstorm Watches and Warnings based on the likelihood and occurrence of dangerous storms. Tornadoes: Particularly during March to May, tornadoes pose a risk to McKinney. Formed from strong thunderstorms, they appear as rotating funnel-shaped clouds that can cause significant damage. Alert Levels: Tornado Watches alert residents when conditions favor tornado formation, while Tornado Warnings are issued when a tornado is observed or detected by radar. Winter Weather: Occasionally, McKinney experiences winter weather conditions like freezing rain, ice, snow, and extreme cold (below -32°F). Alert Levels: Residents are alerted about potential winter storms, hazardous winter weather, and life-threatening conditions through Winter Storm Watches, Advisories, Warnings, Blizzard Warnings, and Frost/Freeze Warnings. The wind chill index also helps residents understand how cold it feels when accounting for wind speed.
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: Adjusts policy limits to account for inflation, ensuring that coverage keeps pace with rising repair or replacement costs. Why it's needed: Protects the real value of insurance over time, ensuring that homeowners are adequately covered despite inflation.
What it is: Offers protection against legal liabilities for non-bodily injuries like libel, slander, or invasion of privacy. Why it's needed: In our digital age, the risk of non-physical personal injuries has grown, making this a relevant addition to many policies.
What it is: Protects against damages or losses resulting from deliberate acts of destruction or harm. Why it's needed: Provides peace of mind in areas where vandalism might be a concern, ensuring that damages are covered.
What it is: Covers damage to a mobile home if it unexpectedly collapses due to specific causes other than age or wear and tear. Why it's needed: While uncommon, collapses can be devastating. This coverage ensures homeowners can rebuild or repair in such an event.
What it is: Protection against damages from water or sewage backing up into the home. Why it's needed: Sewer backups can cause significant damage and health hazards, and they're not always covered by standard policies.
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.
