Jalynn West arts,education,outdoors Graham, Texas – A Small Town With Big Ideas

Graham, Texas – A Small Town With Big Ideas



Steeped in history, Graham TX builds on its past to promote a welcoming Community rich in tradition and committed to a progressive future. Discover Graham’s spacious town square where friendly hellos and secret bits of the past mix.

Shop at boutique clothing stores and admire the wares of local artisans. You can also venture north a few miles to Possum Kingdom State Park, where you can enjoy hiking, fishing and other outdoor activities.

Downtown Square

Graham is a small town with some great shops and restaurants. The town also boasts the largest downtown square in America and hosts many local events all year round.

You can best experience this city by strolling around the square. Grab a seat, and enjoy the sights. Enjoy the historic buildings, and the work of local artists. Then after a long day you can head over to the local restaurants and bars for a good meal and drinks.

The town of Graham marks the beginning of the Goodnight-Loving Trail immortalized in Lonesome Dove, a bestselling novel. A playful sculpture is located near the old post office. The locals are friendly and helpful, and the Young County Arena hosts a variety of western-inspired events during the year.

Possum Kingdom State Park

Possum Kingdom State Park is a haven for nature lovers and sits adjacent to a scenic lake. Visitors can explore the hiking trails or swim, fish and boat at a lakeside. There are also air-conditioned camping cabins, as well as primitive and full hookup RV campsites.

Hell’s Gate, the area’s southern shoreline, is also a spectacular view of the limestone cliffs. It’s a popular place for cliff jumping.

Other Graham attractions include the opulent Chandor Gardens with sparkling fountains, a 30-foot waterfall and fascinating sculptures or Clark Gardens Botanical Park, which boasts unique trails amid beautiful trees. Picnic areas, water sports and playgrounds are available in other local parks. Weatherford is just a few minutes away, and offers shopping and dining opportunities.

The Drive-In Theatre

Graham TX is home to a drive-in outdoor movie theater, which will make you and your children smile.

This single-screen theater opened in 1948 and is one of the oldest drive-ins in Texas, according to its website. Every weekend, they show both classic and current movies.

They have a 50’s cafe onsite that serves burgers, fries, nachos, hot dogs and funnel cakes. Outside food and drinks are not allowed, but you can bring your own blankets or lawn chairs. Pets are permitted as long as they’re quiet, friendly and on a leash at all times. The movie theater is operated onsite at Community First! The Village provides micro/tiny houses and alternative housing in Austin as part of the community initiative to reduce homelessness.

Restaurants

A visit to Graham is a trip back in time to the days when farmers, merchants, and ranchers dominated the landscape. The city still embraces the vision of its founding fathers by promoting community, opportunity, and growth.

The downtown square of Austin is one the largest in Texas. Its streets are wide enough to allow a wagon turn around. Its people are warm and friendly. And the food is delicious. Its renowned restaurants include Possum Hollow, which serves everything from soup to steak dinners.

It’s also the home of the oldest newspaper in northwest Texas. The Graham Leader has been published every week for 132. Gustavous A. and Edwin S. Graham were its founders. They came to North Central Texas in 1869 and purchased land and a salt plant on Salt Creek.

Shopping

Graham has one of America’s largest downtown squares and streets that are wide enough to turn a wagon. Its founders surveyed the town with an eye to building a community that would prosper. They created the downtown square with its 44 historic properties and built a city water plant in 1929.

Farming, mercantile, and land sales were the mainstays of early Young County until oil was discovered in 1917. That brought rapid growth, but not the uncivilized growth of other boomtowns.

The Graham Leader is the oldest weekly newspaper in Northwest Texas. It was founded in 1876. In 1884 Dr. J. E. Ryus built a two-story brick pharmacy on the west side the square. He leased the upper floor to the Federal District Court, which moved to Abilene.

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Unveiling optimum Providers and Unforgettable Encounters, the Ultimate Guide to Unveiling the Enchanting World of Exquisite Escort Companions in London is Here for You to Discover!Unveiling optimum Providers and Unforgettable Encounters, the Ultimate Guide to Unveiling the Enchanting World of Exquisite Escort Companions in London is Here for You to Discover!

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Unraveling the Mystery: What Is Commercial Property Insurance?Unraveling the Mystery: What Is Commercial Property Insurance?

Defining Commercial Property Insurance

Commercial or business property insurance is a vital insurance policy for businesses, safeguarding a company’s real estate and onsite physical assets. This coverage protects against unforeseen incidents, including fire, theft, and natural disasters. It’s similar to property insurance, but business owners can deduct their premiums as expenses.

What Does Commercial Property Insurance Cover? 

 

Types of Commercial Property Insurance by Policy

The policy type plays a significant role in determining the scope of coverage for your commercial space and equipment:

  1. Named Perils Policy: This policy explicitly covers incidents listed in the policy, such as theft and fire. Business owners can tailor coverage based on their unique risk profile.
  2. Open Perils Policy: Offering broader coverage, an Open Perils Policy protects against a wide range of incidents but comes with a list of exclusions, such as flood damage. While providing more extensive protection, this policy generally costs more.

What Does Commercial Property Insurance NOT Cover?

While commercial property insurance provides robust coverage for various incidents, it’s crucial to note the scenarios that fall outside its scope. This type of insurance does not cover incidents related to tenants using their commercial space and equipment. Expressly, it excludes:

  • Company cars getting into an Accident during work hours, which your commercial auto insurance covers,
  • Flood damages, which require separate insurance coverage,
  • Damages to your client or customer’s property within your commercial space and
  • Incidents where you or your employees accidentally or intentionally damage the commercial space and physical assets at work.

Do I Need Commercial Property Insurance?

For business owners with commercial spaces, having an official agreement with the building’s owner is common. This outlines damages for which the business owner is responsible. Commercial property insurance serves as a financial safety net, covering costs instead of requiring out-of-pocket payments for repairs. It becomes crucial during severe cases like natural disasters or significant fires, preventing business closure and mitigating financial burdens. Home business owners should opt for home business insurance instead.

How Much Does Commercial Property Insurance Cost?

The cost of commercial property insurance varies for small businesses, with an average monthly premium of $67, according to Insureon. Notably, 62% of small businesses spend $100 or less for coverage.

Several factors contribute to the cost of commercial property insurance, including:

  • Value of Business Assets: The higher the value of physical assets within the commercial property, the higher the replacement value and coverage level, influencing the insurance cost.
  • Weather Conditions of the Location: Buildings in areas with a higher risk of weather-related catastrophes may incur higher coverage costs due to increased risk.
  • Access to Fire Protection: The presence or absence of fire department services in the vicinity can impact insurance quotes, with higher costs for properties outside city fire protection zones.
  • Building Safety Measures: Investing in safety measures like fire alarms and Security systems can lower insurance costs.
  • Material of the Building: Buildings constructed with fire-proof materials may qualify for lower rates, but additional combustible structures could negate the reduction of rates.
  • Occupancy: The nature of the business in the commercial space also influences premiums. Businesses with a higher risk of incidents, such as restaurants or welding shops, may experience higher premiums.
  • Other factors: Payroll size, number of employees, and claims history. 

What Coverage Limit Should I Choose per Occurrence?

Choosing the right coverage limit per occurrence is crucial for your specific business needs. Discussing with your insurance agent helps make an informed decision on the necessary coverage amount.

For example, if your business suffers $500, 000 in wind damages but your maximum coverage is $400, 000 per incident, you’ll face a $100, 000 shortfall. Aligning coverage limits with potential risks is key to avoiding unexpected out-of-pocket expenses.

Collaborating with your insurance agent ensures you determine the most suitable coverage limits for financial security in unforeseen incidents.

What is the Commercial Property Insurance’s Standard Deductible?

The standard deductible for a commercial property insurance policy can vary, typically ranging from hundreds to more than a thousand dollars. According to Insureon, the average deductible chosen by their customers is $1, 000.

understanding the standard deductible is crucial as it represents the amount a business owner needs to contribute out of pocket before the insurance coverage takes effect. The higher the deductible you pay, the lower your insurance cost will be.

Types of Commercial Property Insurance

Commercial property insurance comes in different forms, offering varying coverage approaches to meet the diverse needs of businesses. Two primary types include:

  • Replacement Cost Coverage: With this type of coverage, the insurance company commits to replacing your commercial property with similar, new items. These items are typically non-tax-deductible.
  • Actual Cash Value Coverage: Under this coverage, damaged property is reimbursed based on its fair market value, considering depreciation. While providing coverage for the current property value, it factors in depreciation, influencing the reimbursement amount.

Business Owner’s Policy (BOP)

For small businesses, a Business Owner’s Policy (BOP) is a practical and cost-effective choice. It bundles essential insurance policies, including Commercial Property Insurance, General Liability Insurance, and Business Interruption Insurance, offering comprehensive coverage at an affordable rate. This streamlined approach helps optimize risk management strategies for small businesses.

Commercial Property Insurance for Your Business

Commercial property insurance serves as a crucial safety net for businesses, offering protection in times of emergency, including natural disasters, fire, or theft. This insurance ensures business continuity by covering damages to your commercial space and physical assets, allowing you to Focus on your operations without the financial burden of repairs or replacements.

The costs of commercial property insurance are influenced by various factors, including the value of your business location, the building structure, and the type of business you operate. Click below to learn more. 

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