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 Shelbyville, Tennessee – a town that embodies the essence of small-town Southern charm. Known as the “Walking Horse Capital of the World,” this community offers a rich blend of history, equestrian culture, and warm hospitality that makes it a special place to visit or call home. With a legacy rooted in tradition and a future full of promise, Shelbyville invites you to discover its unique blend of past and present.
Shelbyville’s history stretches back to the early 19th century, when it was founded in 1810 and named after Isaac Shelby, a Revolutionary War hero and the first Governor of Kentucky. The town quickly grew into a thriving center of agriculture and trade, thanks to its fertile land and strategic location near the Duck River.
Today, Shelbyville’s historical roots are evident in its well-preserved architecture and landmarks. The Shelbyville Historic District offers a glimpse into the past with its collection of 19th and early 20th-century buildings. The Bedford County Courthouse, an iconic centerpiece of the town square, is a striking example of Classical Revival architecture and stands as a symbol of the town’s enduring legacy.
Shelbyville’s claim to fame is its status as the “Walking Horse Capital of the World.” This title is well-earned, as the town hosts the annual Tennessee Walking Horse National Celebration, a prestigious event that attracts thousands of spectators and participants from around the globe. Held every late summer, the Celebration showcases the grace, beauty, and distinctive gait of the Tennessee Walking Horse, a breed known for its smooth and easy ride.
The event, which began in 1939, has grown into a ten-day extravaganza that includes horse shows, parades, and a variety of community events. For equestrian enthusiasts, a visit to Shelbyville during the Celebration is a must, offering a chance to witness the finest examples of this unique breed in action.
Beyond the Celebration, Shelbyville’s equestrian culture is woven into the fabric of everyday life. The town is home to numerous horse farms, training facilities, and riding schools that contribute to its reputation as a hub for the Tennessee Walking Horse industry. Visitors can explore this heritage through guided tours of local stables or by attending one of the many horse shows held throughout the year.
But Shelbyville is more than just horses. The town’s picturesque countryside offers plenty of opportunities for outdoor recreation. The Duck River, one of the most biologically diverse rivers in North America, provides excellent fishing, kayaking, and birdwatching. The Normandy Lake and Recreation Area, just a short drive away, is another popular spot for boating, swimming, and picnicking, with stunning views of the surrounding hills.
Shelbyville’s true charm lies in its people and the strong sense of community that defines the town. This is a place where neighbors know each other by name, and where local events bring people together in celebration. The Shelbyville-Bedford County Chamber of Commerce plays a vital role in fostering this spirit, organizing events like the annual Courthouse Christmas and the Shelbyville Central High School Alumni Parade.
The town’s downtown area is a hub of activity, with a variety of local shops, restaurants, and businesses that reflect the town’s character. From antique stores and boutiques to cozy cafes and diners, downtown Shelbyville offers a taste of Southern hospitality and a slower pace of life. The town square, with its historic courthouse, is a popular gathering place for community events, including farmers’ markets, craft fairs, and seasonal festivals.
Whether you’re drawn to Shelbyville for its rich history, its equestrian culture, or its welcoming community, you’ll find that this town has something special to offer. From the thrill of the Tennessee Walking Horse National Celebration to the tranquility of its natural surroundings, Shelbyville invites you to explore its many facets and experience the warmth of its Southern hospitality.
Come and discover Shelbyville, where tradition meets progress, and where the simple pleasures of life are celebrated every day. Whether you’re visiting for a weekend or planning to stay longer, Shelbyville, Tennessee, is a place where memories are made, and the past is always present in the heart of the community.
Yes, mobile home insurance is essential in Tennessee due to the state’s diverse climate and environmental challenges. Insurance provides financial protection against natural disasters, liability issues, and potential losses due to theft or vandalism. Given Tennessee's susceptibility to tornadoes, flooding, and winter storms, having comprehensive coverage ensures you are financially protected in case of damage or loss.
In Tennessee, insurance premiums for homeowners are influenced by a variety of factors. The insurer you choose can significantly impact the premium you pay, as different companies may offer varying rates for similar coverage. Additionally, your decisions regarding the amount of coverage you purchase also affect your premium. Here are some key factors that insurers consider when determining your premium:
By understanding these factors, homeowners in Tennessee can make informed decisions about their insurance needs and find ways to potentially lower their premiums.
The cost of mobile home insurance in Tennessee varies based on several factors:
On average, mobile home insurance in Tennessee can range from $300 to $1,000 annually, depending on these factors.
Hazard: Shelbyville, TN has a significant tornado risk with a Tornado Index score of 215.21, indicating a higher chance of tornado events compared to the U.S. average.
Tips for Mobile/Manufactured/Modular Home Owners:
Hazard: Shelbyville has a major heat risk, with 100% of homes experiencing elevated “feels like” temperatures.
Tips for Mobile/Manufactured/Modular Home Owners:
Hazard: About 35% of properties in Shelbyville are at moderate risk of wildfires over the next 30 years.
Tips for Mobile/Manufactured/Modular Home Owners:
These risks underscore the need for Shelbyville residents to stay vigilant and prepared for extreme weather events, particularly tornadoes, floods, and heatwaves.
Shelbyville has a property crime rate of 20 per one thousand residents. This rate includes crimes such as burglary, larceny, motor vehicle theft, and arson. Compared to other cities and towns across America, Shelbyville’s property crime rate is above average, indicating a higher likelihood of encountering property-related crimes.
Key Data Points:
The violent crime rate in Shelbyville is 5 per one thousand residents. This rate encompasses serious offenses such as armed robbery, aggravated assault, rape, and murder. Shelbyville’s violent crime rate is among the highest in the nation, with residents having a 1 in 180 chance of becoming a victim of violent crime.
Key Data Points:
Shelbyville’s overall crime rate is 25 per one thousand residents, which is considerably higher than the national average across all communities. The overall likelihood of becoming a victim of either violent or property crime in Shelbyville is 1 in 39. This places Shelbyville in the higher range for crime rates compared to other communities in Tennessee, with a crime rate higher than 82% of the state’s cities and towns. When compared to similarly sized communities, Shelbyville’s crime rate is notably higher than average, making it less safe than most other cities of its size.
Key Data Points:
Description: Install flood barriers if your area is prone to flooding. Importance: Flood barriers help protect your home from water damage during heavy rains.
Description: Replace weatherstripping around doors and windows as needed. Importance: Proper weatherstripping improves energy efficiency and comfort, particularly during Tennessee’s extreme weather.
Description: Consider installing energy-efficient windows. Importance: Energy-efficient windows help with temperature control and reduce energy costs.
Description: Ensure that water drains away from your home’s foundation. Importance: Proper drainage prevents water damage and foundation issues, especially during heavy rains.
Description: Keep detailed records of home improvements and repairs. Importance: Documenting improvements helps with future repairs and potential resale.
Description: Stay current with property tax payments and understand any exemptions or credits available. Importance: Managing property taxes effectively helps avoid penalties and ensures compliance with local regulations.
While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.
The State of Manufactured Housing in Tennessee:
Key Data:
Insights: Manufactured housing plays a crucial role in Tennessee’s housing market due to its affordability compared to traditional homeownership and renting. However, the age of many of these homes, particularly those built before 1980, can lead to higher maintenance costs for homeowners. The affordability and availability of manufactured homes provide an essential housing option, particularly for low- and moderate-income residents, despite potential future expenses related to older units.
Key Data:
Insights: Tennessee offers slightly more affordable housing than the national average, and the state has a relatively low foreclosure rate. However, homeownership rates vary significantly by demographic factors such as race, income, and family structure. Manufactured housing can help bridge some of these gaps by providing an affordable homeownership option. With a substantial portion of manufactured housing being affordable, this type of housing is critical in meeting the state’s need for low-cost housing solutions.
Key Data:
Insights: Manufactured housing is a vital component of affordable housing in Tennessee, particularly for very low-income homeowners who face lower housing cost burdens compared to other forms of homeownership. The significant cost savings per square foot make manufactured homes an attractive option for those seeking affordable housing. This type of housing is essential for providing stable and cost-effective living conditions for a large portion of Tennessee’s population, particularly in a state where homeownership challenges vary widely.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Key Points:
Insights: In 2023, Tennessee maintained strict regulations on mobile home ownership to ensure clarity and accountability in property transactions. The titling process serves as irrefutable proof of ownership and imposes the responsibility to transfer the title to the new owner during a sale or transfer. Non-compliance can result in legal and financial penalties, highlighting the importance of adhering to these regulations.
Key Points:
Insights: The placement of mobile homes in Tennessee is tightly regulated by local zoning ordinances, which can differ significantly across regions. Mobile home owners must thoroughly research and comply with these local ordinances to ensure they meet requirements such as property line setbacks, minimum lot sizes, and allowed mobile home types. Understanding these zoning laws is essential for a harmonious community integration and to avoid potential legal issues.
Key Points:
Insights: In 2023, Tennessee continues its commitment to mobile home residents’ safety by enforcing rigorous safety standards. These standards cover critical aspects of mobile home living, ensuring that homes meet specific requirements for electrical systems, plumbing, heating, and ventilation. Mobile home owners should be prepared for periodic inspections to maintain compliance, underscoring the state’s dedication to secure and habitable living environments for all residents.
Key Points:
Insights: Tennessee’s regulations for the transportation and installation of mobile homes prioritize safety and structural integrity. These regulations mandate acquiring the necessary permits and adhering to established guidelines during the disassembly, transportation, and reinstallation processes. Compliance with these regulations is crucial to ensure the safety of the mobile home and the community it is placed within.
In Tennessee, manufactured home residents have homeownership rates comparable to those of residents in other types of housing. Approximately 66% of manufactured home residents own their homes, which mirrors the 66% homeownership rate seen among residents of traditional site-built homes. This parity underscores the significant role that manufactured homes play in providing affordable housing options that facilitate homeownership in the state.
Financing for manufactured homes differs notably from traditional home financing. Owners of manufactured homes are less likely to have a conventional mortgage and are more likely to use personal property loans. These loans, which often come with higher interest rates, shorter prepayment periods, and fewer consumer protections, present unique challenges for manufactured home owners. Unlike traditional mortgages, personal property loans typically classify homes as personal property, akin to vehicles.
This classification can lead to financial drawbacks, as lenders may use depreciation tables similar to those in the auto industry to determine the value of these homes. Consequently, manufactured home owners may experience a decline in their home’s value over time, making it more challenging to build equity and wealth through homeownership. Despite these challenges, the accessibility of personal property loans continues to enable many Tennesseans to achieve homeownership through manufactured homes.
Overall, while manufactured home residents in Tennessee enjoy similar homeownership rates to those living in site-built homes, the financial pathways they navigate can be markedly different, often requiring careful consideration and planning to maximize the benefits of their home investment.
The Manufactured Housing and Modular Buildings Section of the Tennessee Department of Commerce and Insurance oversees the regulatory framework for HUD-labeled manufactured homes and modular buildings. Operating under TCA Title 68 and federal mandates like the National Manufactured Housing Construction and Safety Standards Act of 1974, the section plays a pivotal role in licensing manufacturers, retailers, and installers of manufactured homes. It ensures compliance with safety standards through rigorous inspections and investigates violations of state and federal regulations. Additionally, the section collaborates with HUD as the State Administrative Agent, overseeing aspects such as construction quality control, consumer complaint resolutions, and post-production monitoring of homes in Tennessee.
For those involved in manufactured housing or modular construction in Tennessee, the section provides critical services like license application and renewal, verification, and handling of consumer complaints. It serves as a central hub for resources and information, facilitating the safe and compliant installation and maintenance of manufactured homes and modular buildings across the state. Residents and stakeholders can contact the Manufactured Housing Section at their Nashville headquarters for inquiries, licensing procedures, or to report any issues related to manufactured housing standards and regulations.
Since Tennessee is located inland, and does not have a coastline, there are no Coastal Insurance Pool Services available as per government/subsidized schemes. You might however find some add ons to your insurance plan, like the Inland Marine Select plan available for new construction of individual dwellings and commercial projects with limits of up to $3,000,000 available – according to construction type and protection class, with further limits of up to $500,000 per location – which is excluding wind & hail in coastal areas.
The Tennessee Manufactured Housing Foundation (TMHF), based in Mt. Juliet, TN, is dedicated to assisting Tennessee residents who are economically disadvantaged or facing challenging circumstances related to their manufactured homes. TMHF aims to support the repair and improvement of existing manufactured homes and provide replacement homes to those in need due to income limitations or other hardships.
Key Points:
Insights: Understanding tenant rights and landlord responsibilities is vital for harmonious living in Tennessee’s mobile home parks. The current laws cover essential issues like rent increases, eviction procedures, and tenant protections, aiming to balance the interests of park owners and tenants. These laws foster fairness and equity, ensuring a mutually beneficial mobile home park experience in Tennessee.
Key Points:
Insights: In 2023, Tennessee reinforced its commitment to environmental sustainability in mobile home communities by implementing strict environmental regulations. These rules address critical areas such as responsible sewage disposal, water quality maintenance, and efficient waste management. Adhering to these regulations promotes a healthier living environment and contributes to preserving the state’s natural resources.
Key Points:
Insights: Staying informed about evolving mobile home laws and regulations is crucial for compliance in Tennessee. The legal landscape can undergo revisions and updates to address new issues and changing circumstances. By frequently checking for updates and consulting with relevant authorities, mobile home owners and residents can navigate new provisions effectively and continue enjoying the benefits of mobile home living with confidence.
Navigating the current mobile home landscape in Tennessee requires a thorough understanding of the state’s laws and regulations. From ownership and placement to safety standards and tenant rights, being aware of these laws is essential for both mobile home owners and residents. By staying informed and adhering to the latest regulations, you can ensure a smooth and compliant mobile home experience in the Volunteer State.
For more information on your rights visit the following resources:
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Shelbyville’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!
Equestrian Equipment Coverage Inclusion
Agricultural Livestock Inclusion
Event Liability Inclusion for Horse Shows
Utility Line Coverage for Rural Areas
Tree and Debris Removal Inclusion
Horse Trailer Coverage Rider
