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 Troy, Ohio – a city where the echoes of history blend seamlessly with the vibrancy of modern life. Located in Miami County, this welcoming community invites you to explore its rich heritage, scenic landscapes, and the warm hospitality of its residents.
Troy’s history dates back to 1807 when it was established as the county seat of Miami County. The city’s early growth was fueled by its strategic location along the Great Miami River, which provided vital transportation and trade routes. Over the years, Troy evolved from a frontier town into a bustling center of commerce and industry. Today, the historic downtown district stands as a testament to this legacy, with beautifully preserved 19th-century buildings that house an array of shops, restaurants, and businesses.
One of Troy’s most iconic landmarks is the Miami County Courthouse, an architectural gem completed in 1888. This stunning structure, with its grand clock tower and intricate details, remains a focal point of the city’s downtown. The Troy-Hayner Cultural Center, another notable landmark, offers a glimpse into the city’s past and present. Housed in a historic mansion, the center hosts art exhibits, musical performances, and educational programs, enriching the cultural fabric of the community.
For outdoor enthusiasts, Troy offers an abundance of natural beauty and recreational opportunities. The Great Miami River Recreational Trail is a highlight, providing miles of scenic paths for walking, biking, and jogging along the river. Duke Park, one of the city’s largest parks, features sports fields, playgrounds, and picnic areas, making it a perfect spot for family outings. The nearby Miami County Park District offers additional outdoor adventures, from hiking and fishing to bird-watching and nature programs.
Troy’s culinary scene is a delightful mix of traditional and contemporary flavors. Local favorites like La Piazza, known for its delicious Italian cuisine, and K’s Hamburger Shop, a beloved diner serving classic American fare since 1935, are must-visit spots. For a unique dining experience, check out Bakehouse Bread & Cookie Company, where you can savor artisanal breads, pastries, and other delectable treats.
The arts and culture scene in Troy is vibrant and diverse. The Troy Civic Theatre, housed in the historic Barn in the Park, stages a variety of theatrical productions throughout the year, showcasing local talent and fostering a love for the performing arts. The Troy Main Street organization plays a key role in promoting the city’s cultural events, from the popular Troy Strawberry Festival to the downtown farmers market, which brings together local artisans, farmers, and musicians.
Troy’s sense of community is evident in its many volunteer-driven initiatives and organizations. The Troy Foundation, a cornerstone of local philanthropy, supports a wide range of projects that enhance the quality of life for residents. From educational scholarships to community beautification efforts, the foundation’s work reflects the city’s commitment to fostering a strong, connected community.
Obscure facts add an intriguing dimension to Troy’s charm. Did you know that Troy is home to the Overfield Tavern Museum, one of the oldest surviving buildings in Miami County? This historic tavern, built in 1808, offers a fascinating glimpse into early pioneer life in Ohio. Additionally, the city has a unique connection to aviation history, with Waco Air Museum celebrating Troy’s role in the production of Waco aircraft during the early 20th century.
Whether you’re drawn by its historical landmarks, natural beauty, vibrant arts scene, or strong sense of community, Troy, Ohio, offers a delightful blend of experiences that will leave you enchanted. Come explore this charming city and discover the many reasons why Troy is a place where the past and present coexist in perfect harmony.
To discover the best mobile home insurance and identify the right provider for your needs in Ohio, follow these straightforward steps:
While not legally required, mobile home insurance is essential in Ohio - here’s why:
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.
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!
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Troy has a relatively higher property crime rate compared to many communities.
This indicates a notable chance of encountering property crimes in Troy compared to the national average.
Troy’s violent crime rate is relatively average, similar to many other communities across the country.
The violent crime rate in Troy is consistent with the national average, suggesting a balanced safety profile in this regard.
Troy’s overall crime rate is higher than the national average but lower than many other cities of similar population size.
Despite its higher crime rate relative to the national average, Troy is safer than many cities with a similar population size.
Ensure skirting and vents are secure and in good condition. Improves insulation and prevents pest entry.
Use a security system to protect your home. Deters theft and provides peace of mind.
Implement regular pest control measures. Prevents damage and health issues.
Regularly inspect utility connections for wear or damage. Ensures safety and reliability of services.
Engage with your mobile home park community. Builds support networks and enhances living experience.
Plan your finances to cover maintenance, upgrades, and emergencies. Ensures long-term stability and readiness for unexpected expenses.
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.
Mobile and Manufactured Home Insurance Statistics in Ohio:
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.
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.
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
Siting and Zoning
Industry and Market Data
Construction and Safety Standards
Amenities and Upgrades
Financing
Industry Regulation and Advocacy
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.
Insurance for mobile or manufactured homes provides coverage for more than just the home itself. It also includes:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Troy’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!
Severe Wind Damage Coverage
Sinkhole Damage Coverage
Snow Load Damage Coverage
Electrical Outage Coverage
Seasonal Storm Preparation Coverage
Local Small Business Property Protection
