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 Mesquite, Texas – the rodeo capital amidst the metroplex! Set against the sprawling backdrop of the Dallas-Fort Worth Metroplex, Mesquite is more than just a satellite city; it’s a beacon of Texan tradition, an emblem of community pride, and a testament to the harmonious blending of urban energy with rustic charm. Famously dubbed the “Rodeo Capital of Texas,” Mesquite showcases a rhythm that’s uniquely its own, offering both the allure of city life and the tranquility of its countryside origins.
The rich tapestry of Mesquite’s history can be traced back to the mid-19th century when the Texas & Pacific Railway created a depot in the region. This sparked the establishment of a community that rapidly transitioned from an agrarian economy, based on cotton and hay production, to a flourishing urban enclave by the mid-20th century. Mesquite’s growth, while influenced by its proximity to Dallas, is also rooted in its independent spirit and resilience.
Mesquite’s significance in the Dallas-Fort Worth area is multifaceted. While its rodeo heritage offers a slice of authentic Texan culture, its strategic location has made it a hub for commerce, education, and recreation. With a blend of historic neighborhoods and modern infrastructure, the city beautifully juxtaposes its rich past with contemporary dynamism.
Attractions & Natural Beauty: Mesquite Championship Rodeo: At the heart of Mesquite’s identity, this rodeo, operational since 1958, provides a thrilling experience of authentic Texan cowboy traditions, from bull riding to barrel racing. Historic Downtown Mesquite: A reflection of the city’s storied past, the downtown area, with its charming boutiques and eateries, exudes an old-world charm that’s both nostalgic and vibrant. Opal Lawrence Historical Park: A window into 19th-century Texas, this park beautifully preserves the Lawrence family estate, providing insights into early settler life in Mesquite. City Lake Park: A testament to Mesquite’s natural beauty, this park is an oasis of relaxation with its picturesque lake, fishing pier, and walking trails.
Best Things to Do Attend the annual Real. Texas. Festival., a celebration of Mesquite’s heritage with music, food, and, of course, rodeo events. Explore the myriad shopping avenues, especially Town East Mall, a major retail hub. Immerse yourself in local arts at the Mesquite Arts Center, which hosts regular performances, exhibitions, and workshops. Tee off at the Mesquite Golf Club, an 18-hole course set against the serene backdrop of the city’s landscapes.
Little Known Facts: Mesquite was named after Mesquite Creek, which itself was named for the abundant mesquite trees in the area. The city is home to the Mesquite Tower, a 190-foot tall structure, which is not just a communications tower but also a striking lighted landmark that’s especially captivating at night. Mesquite holds the unique distinction of enforcing a mandatory helmet law for motorcyclists long before the state of Texas passed a similar law.
Mesquite is a city that resonates with tales of cowboys and pioneers, yet stands firmly in the present, echoing the aspirations and dynamism of modern Texas. Whether drawn by the allure of the rodeo, its historic heart, or the serene landscapes, visitors to Mesquite are guaranteed an experience that’s as rich as it is varied, making it a must-visit gem in the crown of the Lone Star State.
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:
Heat Vulnerability:
Forecast: By 2050, Mesquite is expected to endure around 38 days annually with temperatures rising above 101.4ºF.
Implications for Mobile Homes:
Extreme heat can exacerbate wear and tear on a mobile home's exterior. Furthermore, high temperatures can strain air conditioning units, which, if malfunctioning, can lead to internal heat-related damages.
Preventative Measures:
Consider installing reflective or light-colored roofing, ensure adequate insulation, and maintain your cooling systems.
Winter Extremes:
Potential Threats: Though Mesquite doesn't face extreme winter conditions as frequently as northern regions, unexpected cold snaps can happen.
Implications for Mobile Homes:
Plumbing in mobile homes is often more exposed and vulnerable to freezing. Frozen pipes can burst and lead to water damage.
Preventative Measures:
Properly insulate pipes and consider heat tape for vulnerable areas. Also, ensure your home heating system is adequately maintained.
Drought Conditions:
Historical Data: Since 2000, 59% of weeks had some level of drought. This could affect the stability of the ground on which a mobile home is placed.
Implications for Mobile Homes:
Drought can lead to soil contraction, which might affect the foundational stability of mobile homes.
Preventative Measures:
Ensure your mobile home is anchored securely and check regularly for foundational shifts. Landscaping with drought-resistant plants can also help maintain soil stability.
Flooding: Exposure Level: About 11% of structures in Mesquite are at flood risk. Flash floods can occur, posing a significant threat to mobile homes.
Implications for Mobile Homes: They are particularly susceptible to flood damage, even from minor flooding.
Preventative Measures:
If possible, elevate your mobile home above the expected flood levels. Regularly check and maintain skirting vents to allow water to flow out in case of minor flooding.
Fire Exposure:
Risk Level: Approximately 64% of structures, including mobile homes, are at wildfire risk. Dry conditions and drought can exacerbate this threat.
Implications for Mobile Homes:
They can be quickly consumed by fires, and embers can easily penetrate vents or windows.
Preventative Measures:
Create a defensible space around your home by clearing flammable vegetation. Use fire-resistant materials for skirting and consider mesh screens for vents.
Severe Storms & Tornadoes: Frequency: Mesquite faces severe storms, especially between April to June. Texas, on average, witnesses 125 tornadoes annually.
Implications for Mobile Homes:
They are notably vulnerable to high winds from both severe thunderstorms and tornadoes. Damage can range from broken windows to complete destruction.
Preventative Measures:
Ensure your mobile home is anchored correctly to its foundation. Consider building or investing in a storm shelter or identifying a secure location to move to during severe weather alerts.
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.
