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 Midland, Texas: -the skyline on the horizon of West Texas!
As one delves into the vast expanse of West Texas, the city of Midland emerges like an oasis, painting the skyline with its urban architecture and rich tapestry of history, culture, and energy. Often termed the “Gateway to the Big Bend,” Midland’s evolution from a railway stop to an energy titan is not just a tale of economic prosperity but also a chronicle of a community’s indomitable spirit.
The genesis of Midland traces back to the late 19th century when the Texas and Pacific Railway established it as the midpoint between Fort Worth and El Paso. Its apt naming, “Midland,” signifies this geographical centrality. While the early years saw Midland flourish as a ranching and farming community, the discovery of oil in the Permian Basin during the 1920s dramatically shifted its destiny. The city soon became a nucleus of the oil industry, shaping not only the regional economy but also the global energy market.
Midland’s significance is manifold. It serves as the administrative center of the vast Permian Basin, one of the most prolific oil and gas-producing regions in the world. But beyond its black gold, Midland is a confluence of art, education, and culture. The presence of institutions like the Midland College and the University of Texas of the Permian Basin underscores its commitment to academic excellence and community development.
Attractions in Midland are as diverse as its history. The Permian Basin Petroleum Museum offers a deep dive into the world of oil, showcasing the intricate details of the industry, from geology to technology. For those seeking a touch of culture, the Wagner Noël Performing Arts Center stands as an epitome of architectural beauty and is a hub for theatrical and musical performances. The Museum of the Southwest, housed in the historic Turner Mansion, is a trifecta of art, history, and science, providing a panoramic view of the region’s heritage.
Nature also bestows its bounty upon Midland. The I-20 Wildlife Preserve offers a serene haven for birdwatchers and nature enthusiasts. The juxtaposition of the wetland habitat against the arid West Texas backdrop creates a mesmerizing contrast. For stargazers, the Marian Blakemore Planetarium promises a celestial journey, unraveling the mysteries of the universe. Midland isn’t without its quirks and lesser-known tales. For instance, many might be unaware that former Presidents George H.W. Bush and George W. Bush once called Midland their home, shaping their early lives and careers. The city’s vibrant spirit is also evident in its celebrations, with events like the “Summer Mummers,” an annual melodrama, offering a unique blend of theater and interactive fun.
In essence, Midland is more than its oil derricks and energy corridors. It’s a city that thrums with life, echoing the tales of pioneers, oil barons, artists, and educators. Amidst the vastness of West Texas, it stands as a testament to human endeavor and resilience, beckoning travelers to partake in its journey from the heart of the desert to the zenith of global significance.
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: From 1985-2005, Midland experienced an average of 7 days with temperatures above 101.0ºF annually. By 2050, this number is projected to increase to 44 days per year. Implications for Mobile Homes: Excessive heat can deteriorate the exterior of mobile homes, strain HVAC systems, and potentially increase risks of heat-related medical emergencies. Preventative Measures: Install reflective or light-colored roofing, maintain air conditioning units, and consider the use of energy-efficient windows and insulations. Cold Weather Hazards: Heating Equipment Risks: Space heaters should be upgraded to models with auto shut-off features. There should be a 3-foot clearance around them to prevent fires. Fireplaces should be well-maintained with flames kept at a manageable size. Carbon Monoxide Danger: Gas-fired appliances might produce carbon monoxide. Thus, the installation of a working carbon monoxide detector is essential. Fire Marshal Assistance: For uncertainties regarding winter hazards, the fire marshal's office in Midland can assist, and if issues are identified, referrals to licensed heating and mechanical companies will be provided.
Flood Vulnerability: Statistics: Around 26% of structures in Midland are at risk of flooding. Buildings have a 40% chance of experiencing a 1.5 feet deep flood over three decades. Implications for Mobile Homes: Flooding can cause severe damage, from foundational issues to water damage inside the home. Preventative Measures: Elevate the home, check and maintain skirting vents, and consider barriers or sandbags for flood-prone seasons. Drought and Precipitation: Current Status: 71% of weeks since 2000 have seen some form of drought, with 19% experiencing Extreme or Exceptional drought. However, extreme precipitation is also a factor, though the amount is expected to remain consistent through 2050. Implications for Mobile Homes: Drought can affect foundational stability, while excessive precipitation can lead to flooding or water damage. Preventative Measures: Regularly check the foundation during droughts and ensure proper drainage systems are in place for heavy rainfall periods.
Fire Risk Data: Overall Risk: About 5% of buildings in Midland face a very high risk from wildfires. The most hazardous fire weather days are increasing in frequency. Implications for Mobile Homes: They are particularly susceptible to fires, and proximity to vegetation can elevate this risk. Preventative Measures: Clear flammable vegetation around the mobile home, use fire-resistant materials, and adhere to fire safety protocols, especially during high-risk days. Fire Marshal's Recommendations: Fireplace Maintenance: Regular cleaning and inspection to ensure the chimney is clear and the fireplace is functioning safely. Space Heater Precautions: Ensure adequate spacing and keep away from flammable materials like bedding or clothing. Carbon Monoxide Monitoring: Especially important for mobile homes with gas appliances. Make sure to install and regularly check carbon monoxide detectors. Mobile home owners in Midland should consistently assess and update their insurance coverage to ensure these risks are covered. Moreover, adhering to recommendations and local guidelines can further minimize these risks.
What it is: Protection against major, unforeseen disasters like earthquakes, floods, and sometimes even terrorism. Why it's needed: Standard mobile home policies might not cover such large-scale events. These coverages are essential for homes located in areas prone to these types of events.
What it is: This isn't a rider, but a reminder to mobile homeowners to review what is and isn't covered under their current policy. Why it's needed: Knowing what's already covered helps homeowners avoid overlapping or redundant coverages and identify gaps that need to be addressed.
What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects. Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.
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.
What it is: Coverage that addresses the depreciation and regular damage that homes naturally undergo over time. Why it's needed: While typical policies don't cover simple wear and tear, certain riders might offer coverage for accelerated or unusual wear that's unexpected.
What it is: Protects against damage to underground utility lines or service lines, like water and sewage. Why it's needed: Repairs to service lines can be expensive, and they're not always covered by local utilities or 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.
