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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.
Sitting near the Texas-Oklahoma border, Wichita Falls beckons with a charm that’s both rugged and refined, rooted in pioneering tales and painted with strokes of modernity. With the cascading waters of its namesake falls as its centerpiece, Wichita Falls stands as a testament to Texan determination, innovation, and community spirit.
The narrative of Wichita Falls springs from the Wichita Indians, the original inhabitants of the region. Yet, the town’s true momentum began in the late 19th century, propelled by railroads and the promise of new frontiers. Though its namesake waterfalls were diminished over the years, human ingenuity recreated them, leading to the modern man-made falls by the river—a symbol of the city’s resilience and creativity.
A pivotal chapter in Wichita Falls’ story is its oil boom of the early 20th century. The discovery of “black gold” transformed this frontier town into a bustling epicenter of industry and opportunity, an era captured evocatively at the Museum of North Texas History. Here, visitors can traverse timelines, from Native American legacies to the roaring oil days and beyond. One of the city’s architectural jewels is the Newby-McMahon Building, often referred to as the “world’s littlest skyscraper”. Constructed during the oil boom days, its curious history and petite stature serve as quirky reminders of a time when ambition often outpaced practicality.
Nature, however, has always been Wichita Falls’ most generous artist. The city is adorned with numerous parks and green spaces, the crown jewel being Lucy Park. Nestled along the Wichita River, this park offers serene landscapes, hiking trails, and, of course, a view of the recreated Wichita Falls, giving both locals and visitors a space to reflect and rejuvenate.
For those with a penchant for the arts, Wichita Falls doesn’t disappoint. The Kemp Center for the Arts stands as a beacon for artistic expression, hosting exhibitions, performances, and workshops. Meanwhile, the Wichita Theatre offers a dose of nostalgia alongside its vibrant theatrical productions, echoing the golden age of cinema and stage.
Community spirit thrives in Wichita Falls, with events like the Hotter’N Hell Hundred drawing cyclists from all over. This grueling and celebrated race not only challenges athletic prowess but also strengthens the bonds of community, as residents and visitors alike rally to cheer, support, and endure.
On the culinary canvas, Wichita Falls serves a delightful array of flavors. Whether it’s the comforting embrace of traditional Texan barbecue or the spicy allure of Tex-Mex, the city’s eateries echo its diverse heritage and innovative spirit. In the grand narrative of Texas, Wichita Falls emerges as both a guardian of history and a pioneer of new tales. It’s a city where waterfalls are reborn, where oil tales glisten, and where community spirit shines even under the fiercest Texan sun. For those yearning for a blend of history, nature, and the indomitable Texan spirit, Wichita Falls awaits with stories to share and memories to craft.
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:
Description: Tornadoes can produce extremely high winds that can turn debris into projectiles. Mobile homes and RVs are especially vulnerable due to their lightweight construction and lack of a permanent foundation.
Implication for Mobile/Manufactured Home and RV Owners: Mobile homes and RVs can be entirely destroyed by tornadoes. The best course of action is evacuation to a solid structure well before the tornado arrives. Anchoring the structure may provide limited protection but is generally not sufficient for safety. Those living in these homes should have a tornado emergency plan and a weather radio to get alerts directly from the National Weather Service.
Understanding Flooding: Flooding can threaten parts of the U.S. almost daily.
Knowing what to do during a flood can save lives and property.
Flood Watch vs. Warning: Flood Warning: Indicates imminent or ongoing flooding.
Flood Advisory: Alerts about potential minor flooding or nuisances.
Actions Before, During, and After a Flood: Stay informed about flood risks and sign up for emergency alerts.
Know the flood risks in your area and prepare an emergency kit.
Take precautions to protect your home from potential flood damage, such as using sandbags and ensuring good plumbing.
Avoid floodwaters and follow safety guidelines.
After a flood, be cautious of hazards, ensure the safety of drinking water, and assess any damage to property.
Description: Severe thunderstorms can produce hail that can damage or destroy the siding, windows, and roofs of mobile homes and RVs. They can also come with high winds and intense rainfall that could lead to flash flooding.
Implication for Mobile/Manufactured Home and RV Owners: Hail can break windows and cause considerable damage to the exterior of a mobile/manufactured home or RV. Severe thunderstorms may also come with lightning that can start fires. A lightning rod and surge protectors may help mitigate this risk. Ensure you have comprehensive insurance that covers hail, wind, and flood damage.
What it is: Covers liabilities if a pet injures someone or causes property damage.
Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.
What it is: Covers the cost of replacing personal belongings at current market prices without considering depreciation.
Why it's needed: Assures homeowners can replace items without worrying about their depreciated value.
What it is: Coverage for unintentional direct physical losses not specifically excluded or limited.
Why it's needed: Accidents happen, and this ensures unexpected damages are covered.
What it is: Offers extra funds to replace roofs with eco-friendly materials.
Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.
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: 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.
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.
