Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Piqua, OH

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.

A Guide to Mobile Home Insurance in Piqua, OH : Costs, Coverage, and Considerations

Welcome to Piqua, Ohio – a charming city where the threads of history, the beauty of nature, and the warmth of community weave together to create a unique and inviting destination. Nestled along the banks of the Great Miami River, Piqua offers a rich tapestry of experiences for visitors and residents alike. Whether you’re a history buff, outdoor enthusiast, or simply seeking a friendly and welcoming place to explore, Piqua promises a memorable and rewarding journey.

Piqua’s history is deeply rooted in the heritage of Ohio. Established in 1807, the city has played a significant role in the state’s development and growth. As you stroll through Piqua, you’ll encounter well-preserved buildings and landmarks that tell the story of its past. One of the most iconic historical sites in Piqua is the Johnston Farm & Indian Agency. This historic site offers a glimpse into the lives of early settlers and Native American tribes in the region. Visitors can explore the beautifully restored farmhouse, learn about the daily life of early pioneers, and take a canal boat ride on the Miami and Erie Canal, experiencing the transportation methods of the 19th century.

Downtown Piqua is a delightful blend of historic charm and modern conveniences. As you wander along its streets, you’ll discover a variety of boutique shops, cozy cafes, and local restaurants. The Fort Piqua Plaza, a stunningly restored 1891 building, serves as a hub for community events and gatherings. It houses the Piqua Public Library and provides a beautiful venue for weddings, conferences, and cultural events. The historic charm of the building, combined with its modern amenities, makes it a focal point of downtown Piqua.

For those interested in local history, the Piqua Historical Museum is a treasure trove of artifacts and exhibits. Housed in a beautifully preserved building, the museum showcases the history of Piqua and the surrounding region from prehistoric times to the present day. Highlights include exhibits on the Miami and Erie Canal, the city’s industrial heritage, and the lives of its early residents.

Nature enthusiasts will find plenty to enjoy in and around Piqua. The city is surrounded by picturesque landscapes, making it an ideal destination for outdoor adventures. The Great Miami Riverway, which runs through the heart of Piqua, offers a variety of recreational activities, including fishing, kayaking, and paddleboarding. The riverway’s scenic trails provide opportunities for hiking, biking, and leisurely walks along its scenic banks. Piqua’s Riverfront Park is a popular spot for picnicking, sports, and community events. The park’s tranquil river views, playgrounds, and walking trails make it a favorite destination for families and nature lovers.

One of the city’s hidden gems is the Lock Nine Park, located along the riverfront. This beautifully landscaped park features historic canal locks, walking paths, and a performance pavilion. It’s a perfect spot to relax, enjoy a picnic, or attend one of the many concerts and events held throughout the year.

Piqua’s sense of community is evident in its numerous annual events and festivals. The Taste of the Arts, held every May, celebrates the city’s vibrant arts scene with local artists, live music, and delicious food. Another highlight is the Piqua Heritage Festival, which brings together residents and visitors to celebrate the city’s rich history with reenactments, crafts, and traditional foods.

The city’s cultural scene is equally vibrant, with numerous venues and organizations dedicated to the arts. The Piqua Arts Council promotes local artists and hosts a variety of exhibitions, performances, and workshops throughout the year. The Edison State Community College, located in Piqua, offers a range of academic programs and cultural events, adding to the city’s intellectual and cultural vibrancy.

Education is a cornerstone of the Piqua community. The city is home to several excellent schools, providing a high-quality education for students of all ages. Piqua City Schools, with its dedicated teachers and modern facilities, ensures that every student has the opportunity to succeed and thrive.

Piqua’s culinary scene is diverse and inviting, with a range of dining options to suit every taste. From cozy coffee shops and family-friendly diners to upscale restaurants offering gourmet cuisine, the city’s eateries provide a delightful culinary journey. Local favorites like the Scottish Thistle and 311 Drafthouse offer delicious meals in warm and welcoming settings.

Beyond its prominent attractions, Piqua holds hidden gems and intriguing facts. Did you know that the city was once a major hub for the production of underwear? The Atlas Underwear Company, founded in the late 19th century, was one of the largest employers in the area and played a significant role in Piqua’s industrial history. Additionally, Piqua’s dedication to preserving green spaces is evident in its extensive network of parks and nature reserves, providing residents and visitors with ample opportunities for outdoor recreation and exploration.

Piqua’s commitment to innovation and growth is reflected in its thriving business community and modern infrastructure. The city’s strategic location near major highways and its proximity to Dayton make it an attractive destination for businesses and entrepreneurs. The Piqua Area Chamber of Commerce works to support local businesses and promote economic development, ensuring that the city continues to grow and prosper.

Whether you’re exploring its historical landmarks, enjoying its parks and trails, or participating in its vibrant cultural scene, Piqua, Ohio offers a unique and enriching experience. Discover the charm and warmth of this welcoming city, where every corner has a story to tell and every visit creates lasting memories. Welcome to Piqua, a city where history, nature, and community spirit come together in perfect harmony.

Understanding Mobile Home Insurance in Ohio

To discover the best mobile home insurance and identify the right provider for your needs in Ohio, follow these straightforward steps:

Understanding Mobile Home Insurance in Ohio

Consider the specific risks you want to protect against. While fire protection is standard, think about your home’s location. If it’s near water or mountains, you might need a separate flood insurance policy.

Take stock of your valuable and unique items. Calculating their collective value, along with your other belongings, helps you determine appropriate policy limits, avoiding over-insurance and unnecessary costs.

Factor in any upgrades, renovations, or significant alterations that could impact your mobile home’s value when seeking a quote.

Before or after getting quotes, take photos and document serial numbers for your valuable items and appliances. Store this information in a fire-resistant container or a secure location. This documentation is invaluable if you ever need to file a claim.

Do You Need Mobile Home Insurance in Ohio?

While not legally required, mobile home insurance is essential in Ohio - here’s why:

Do You Need Mobile Home Insurance in Ohio?

If you’re planning to secure a mortgage for your mobile home, your lender will likely require insurance coverage.

Ohio homes, whether mortgaged or not, are exposed to severe thunderstorms, damaging winds, hailstorms, tornadoes, and potential flooding.

It’s advisable to check with your mobile home park or community to see if insurance is a requirement for residents.

What Does Mobile Home Insurance Cover?

Dwelling Coverage: This covers the cost of repairing or replacing your mobile home’s structure if it’s damaged by covered events like fire, lightning, explosions, vandalism, falling objects, wind, hail, ice, snow, and damage from animals or burst pipes.
Other Structures Coverage: This handles the cost of repairs to structures not physically connected to your mobile home, such as sheds or fences, if they’re damaged by a covered event.
Personal Property Coverage: This covers the costs for repairing or replacing electronics, furniture, and other belongings that are damaged or stolen.
Liability Insurance: This pays out if a visitor is injured and takes legal action or if you accidentally cause property damage or injuries to others. It often includes related legal costs.

What Doesn’t Mobile Home Insurance in Ohio Cover?

Flooding: If your policy doesn’t cover flood damage and you live in a flood-prone area, consider a separate flood insurance policy.
Earthquakes: Damage from earth movement isn’t covered.
Wear and Tear: Insurance covers sudden, accidental damage, but not general wear and tear.
Insect or Animal Infestation: Pest prevention is a regular maintenance responsibility and isn’t covered.
Business Use: Damage resulting from using your mobile home for business purposes requires a commercial policy.

Average Cost of Mobile Home Insurance in Ohio

While specific pricing details may not be readily available, the average cost of mobile home insurance in Ohio ranges from $50 to $133 per month. This variation depends on factors such as coverage limits, deductible, location, home age, replacement cost, and claims history.

Many insurers offer various discounts for mobile home insurance policyholders, including opportunities to bundle your coverage with auto insurance.

By following these steps and understanding the coverage options, you can ensure your mobile home in Ohio is well-protected. Contact us today to get started!

Choosing the Right Mobile Home Insurance for
Piqua, Ohio

Weather & Environmental Risks:

Description:

Earthquake Index: Piqua has an earthquake index of 0.30, higher than the Ohio average of 0.16 but still significantly below the national average of 1.81. This indicates a moderate risk of earthquakes compared to other areas in Ohio.
Implications: Historical data suggests a slightly higher than average seismic activity for the state but still relatively low overall.

Implications for Mobile Home & RV Owners:

Structural Integrity: Although the risk is moderate, ensure mobile homes and RVs are securely anchored to withstand potential tremors.
Emergency Preparedness: Have an emergency plan and supplies ready in case of an earthquake.

Description:

Tornado Index: Piqua has a tornado index of 169.82, higher than both the Ohio average (156.02) and the national average (136.45), indicating a substantial risk of tornadoes.
Implications: Tornadoes can cause severe damage, including high winds and debris.

Implications for Mobile Home & RV Owners:

Wind Damage: Mobile homes and RVs are particularly vulnerable to tornado damage. Ensuring proper anchoring and having a tornado safety plan is crucial.
Safety Measures: Seek shelter in a secure building when tornado warnings are issued and stay informed about local weather alerts.

Description:

Winter Storm Events: Piqua has had 25 recorded winter storm events, indicating a risk of severe winter weather including heavy snow and ice.
Implications: Winter storms can disrupt transportation and infrastructure.

Implications for Mobile Home & RV Owners:

Cold Weather: Ensure proper insulation and heating to prevent freezing of pipes and maintain a livable environment. Have emergency supplies ready for potential power outages and extreme cold.

Recommended Neighborhoods in Piqua, Ohio:

Piqua Northwest
Piqua East
Landin Park
Piqua North

Crime Rates:

Piqua, Ohio, has a notably high crime rate compared to national averages, with a total crime rate of 34 per one thousand residents. This puts it among the higher crime rate communities in America.

Total Crime Rate: 34 per one thousand residents
Chance of Becoming a Victim: 1 in 30
Within Ohio: More than 95% of communities have a lower crime rate than Piqua

The property crime rate in Piqua is substantial, contributing significantly to the overall crime rate. This includes various offenses such as burglary, larceny over fifty dollars, motor vehicle theft, and arson.

Violent crime in Piqua is also relatively high, though it is slightly less prevalent than property crime.

Violent Crime Rate: 4 per one thousand residents
Chance of Becoming a Victim: 1 in 278
Types of Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder

This rate indicates that violent crimes are a considerable concern in Piqua, contributing to its high overall crime rate.

Property crimes are a major issue in Piqua, with a higher rate than many comparable communities.

Property Crime Rate: 30 per one thousand residents
Chance of Becoming a Victim: 1 in 33
Types of Property Crimes: Includes burglary, larceny over fifty dollars, motor vehicle theft, and arson

The significant property crime rate in Piqua reflects a considerable risk of experiencing these types of offenses, underscoring the need for vigilance and protective measures.

6 INSURANCE OPTIONS:

Research Local Climate

Understand the local climate and typical weather conditions in Parker, SC. Helps in choosing the right home design and materials for durability.

Inspect the Home Thoroughly

Conduct a thorough inspection of the mobile home before purchasing. Ensures there are no hidden damages or issues that could lead to future costs.

Check for Proper Insulation

Ensure the home is well-insulated to handle extreme temperatures. Improves energy efficiency and comfort.

Understand Zoning Laws

Check local zoning laws and regulations regarding mobile homes. Ensures compliance and avoids legal issues.

Consider the Foundation Type

Choose between a permanent or non-permanent foundation based on your needs. Affects stability and insurance requirements.

Review Community Rules

If purchasing in a mobile home park, review the community rules and regulations. Ensures you are comfortable with the community standards and restrictions.

Keep This In Mind:

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.

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Ohio Mobile Home Facts

Mobile and Manufactured Home Insurance Statistics in Ohio:

Ohio Mobile Home Facts

Federal and State Definitions

Federal Definition: A “manufactured home” is a house constructed in a factory, adhering to specific federal construction and safety standards (24 CFR Part 3280). Homes over 40 feet long or 8 feet wide typically qualify.
Ohio Revised Code Definitions:
- Manufactured Home (O.R.C. Sec. 3781.06(C)(4)): Fabricated off-site, meets federal standards, and has a permanent compliance tag.
- Mobile Home (O.R.C. Sec. 4501.01(O)): Meets federal standards but lacks a permanent compliance tag.
- Licensing (O.R.C. Sec. 4503.19): Mobile homes must be licensed as motor vehicles.
- Uniform Commercial Code (O.R.C. Sec. 1309.102(A)(53)): Consolidates definitions for creating a security interest.

What is the OMHA?

The Ohio Manufactured Homes Association (OMHA) is a nonprofit organization dedicated to promoting manufactured housing as a standard and economical way of life in Ohio. Their mission is to help individuals experience the benefits of homeownership in a comfortable, safe, and convenient manner, whether in planned communities or on privately-owned land. OMHA provides a range of services to its members, including access to legal counsel, model legal documents, educational seminars, and networking opportunities through regional chapters. They also offer periodic updates on industry-related legal and regulatory changes, a quarterly newsletter, and a complimentary company profile listing on their website.

OMHA actively advocates for the manufactured housing industry before governmental bodies at all levels, striving to combat unreasonable legislation and promote beneficial laws and regulations. Significant legislative victories include improved procedures for removing abandoned homes, education and training programs for industry members, zoning and taxation reforms, and the prevention of manufactured home communities from being charged for tenants’ delinquent utilities. OMHA also supports legislative initiatives aimed at reducing regulatory burdens, allowing sub-metered communities to manage administrative fees, easing eviction grounds for nuisance tenants, and obtaining legislative exemptions for stricter foreclosure processes. Through these efforts, OMHA continues to protect and enhance the manufactured housing industry in Ohio.

Residential Relocation Assistance
Program

The Residential Relocation Assistance Program provides financial assistance to individuals displaced from their mobile or manufactured homes due to acquisition activities by an agency. This fund ensures that displaced individuals receive adequate support to cover moving expenses and the costs associated with securing replacement housing. The rules governing these payments are detailed under Rule 5501:2-5-05 of the Ohio Administrative Code.

To qualify for assistance from the Mobile/Manufactured Home Relocation Fund, the displaced person must meet the following criteria: Displacement Status: The individual must be displaced from their mobile home and/or mobile home site due to agency acquisition or a determination that the home cannot be relocated. Duration of Occupancy: The individual must have occupied the mobile home on the displacement site for at least 90 days immediately before the initiation of negotiations for acquisition. Ownership Status: Owner-Occupants: Eligible for replacement housing payments if they owned and occupied the mobile home. Tenants: Eligible for replacement housing payments if they rented the mobile home and/or site.

Moving Expense Payment: Covers the cost of moving the mobile home, including disassembly, transportation, reassembly, anchoring, and utility reconnection. Includes expenses for moving personal property, such as porches, decks, skirting, and awnings. Replacement Housing Payment: Owner-Occupants: Eligible for a payment up to $31,000 to cover the cost of purchasing a comparable replacement home and/or site. Payment is based on the acquisition cost or the difference in cost between the displacement and replacement homes. Tenants: Eligible for a payment up to $7,200 to assist with securing a replacement rental site or purchasing a new mobile home or conventional dwelling.

Price Differential Payment: Calculated based on the cost difference between the acquired property and a comparable replacement dwelling. The payment is capped by the maximum amount eligible for the displaced person. Rental Assistance Payment: For owner-occupants who rented the displacement site, the payment is computed similarly to the price differential, ensuring the new site or home meets decent, safe, and sanitary standards.

Eligibility Notice: Displaced individuals receive a written notice at least 90 days before they are required to move, detailing their eligibility and the benefits available. Relocation Planning: Displaced persons must coordinate with a relocation agent to secure necessary moving estimates and receive written authorization before proceeding with the move. Payment Distribution: Payments are made based on documented expenses and the eligibility criteria outlined above.

The Ohio FAIR Plan offers a critical resource for homeowners in Ohio, providing essential coverage options to ensure you’re protected against unexpected disasters. While many people in Ohio might not consider flood insurance necessary, it’s important to understand that standard homeowners or renters policies typically do not cover flood damage. Flooding can result from various factors like poor drainage, heavy rainfall, snowmelt, or broken water mains, and can cause significant financial loss even in low-risk areas.

The National Flood Insurance Program (NFIP) reports that over 20% of flood claims come from such low-to-moderate risk zones, with average claims around $27,000. Therefore, the Ohio FAIR Plan can help homeowners access flood insurance, ensuring their properties and belongings are adequately covered against these potential risks.

Know Your Rights:

Even though it’s not a legal requirement in Ohio, mobile home insurance is often a wise investment to safeguard your property. Read through the following guide to help familiarize yourself with rules and regulations in Ohio:

Legal Considerations

- Repossession and Replevin: Non-real estate classified homes can be repossessed without a court order if peace is maintained. Otherwise, creditors must use replevin.
- Foreclosure: Homes listed as real estate require foreclosure processes.
- Evictions: Governed by the Ohio Landlord/Tenant Guide.

Tenants’ Resources

Siting and Zoning

Case Law (City of Canton v. State of Ohio): Cities can set their own zoning rules; unincorporated county areas are preferable for siting manufactured homes.

Industry and Market Data

State Data (2017): 1,912 new manufactured homes sold; approximately 234,190 total homes in Ohio.
National Data (2017): 93,000 new homes produced; 9% of single-family home starts. Average sales price without land is $70,600.
- Location: 66% on private property, 34% in communities.

Construction and Safety Standards

HUD Code: Since 1976, governs design, construction, durability, fire resistance, and energy efficiency.
Materials and Safety: Use the same materials as site-built homes, engineered for wind safety and energy efficiency. Includes smoke detectors and limited combustible materials.

Amenities and Upgrades

Interior: Options range from basic to elaborate designs with modern amenities like vaulted ceilings and walk-in closets.
Exterior: Includes various sidings and pitched roofs. Upgrades may include awnings, patios, and permanent foundations.

Financing

Options: Can be financed as personal property or real property. Traditional lenders offer land-and-home financing.

Industry Regulation and Advocacy

OMHA’s Role: Advocates for favorable legislation, provides member benefits such as legal counsel and training, and supports zoning, taxation, and utility policies.
Recent Legislative Initiatives: Includes improving removal procedures for abandoned homes, reducing zoning barriers, and preventing utility charges for tenant delinquencies.

Rule 112: Mobile/Manufactured Home Endorsement (HP ONLY):

This endorsement will automatically be endorsed to the policy if Coverage A – Dwelling is a manufactured home or a mobile home.

This endorsement changes the loss settlement terms for replacement cost to ACV for mobile homes insured that are more than ten years old.

Mobile Home Insurance Inclusions in Ohio:

Insurance for mobile or manufactured homes provides coverage for more than just the home itself. It also includes:

Detached structures on your property, like carports or garages
Your personal possessions
Living expenses if your home is significantly damaged by a covered event
Injuries that occur on your property, within the limits of your chosen policy

Exclusions under Ohio Homeowners Insurance:

It’s important to note that mobile and manufactured homes do not qualify for coverage under a standard homeowners insurance policy (HO-3). Instead, you will need a specialized policy tailored specifically for mobile homes.

Home Protector Program for Mobile/Manufactured Homes

The Home Protector Program is designed to provide homeowner coverage for owner-occupied mobile/manufactured homes that are in above-average condition. It is assumed that these homes will not be moved after their initial setup. However, the policy does provide coverage for 30 days if the home is relocated. Any change in location should be promptly reported to the Company.

Finding the Best Mobile Home Insurance in
Piqua, Ohio.

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Piqua’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!

Finding the Best Mobile Home Insurance in
Piqua, Ohio.

These are some things you should look out for in an insurance plan for Piqua:

6 options for types of localized coverages:

Great Miami River Flood Risk Coverage

Coverage: Specialized flood insurance for homes near the Great Miami River, covering flood damage and related issues.
Reasoning: The proximity to the Great Miami River increases the risk of flooding, making this additional coverage important.

Severe Hailstorm Damage Coverage

Coverage: Protection against damage from severe hailstorms, including roof and siding repairs.
Reasoning: Hailstorms can be common in Piqua, requiring specific coverage for hail damage.

Foundation Stabilization Coverage

Coverage: Coverage for damage and repairs related to foundation settling or shifting.
Reasoning: Soil conditions in Piqua may lead to foundation issues, necessitating specific coverage.

Storm Surge Protection Coverage

Coverage: Protection against damage from storm surges, especially in low-lying areas.
Reasoning: While more common near coastlines, storm surges can still impact river-adjacent areas like Piqua.

Electrical Surge Damage Coverage

Coverage: Coverage for damage caused by electrical surges, including repair or replacement of damaged appliances and electronics.
Reasoning: Electrical surges can damage home electronics and appliances, making this coverage relevant.

Winter Heating System Coverage

Inclusion: Coverage for maintenance and emergency repairs of heating systems during winter months.
Reasoning: Ensures heating systems are reliable and well-maintained to handle Piqua’s cold winters.