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 Akron, Ohio – a city that proudly wears its history on its sleeve while embracing innovation and creativity at every turn. Known as the “Rubber Capital of the World,” Akron is a place where industry, culture, and community come together to create a vibrant and welcoming environment for all who visit or call it home.
Akron’s story is one of ingenuity and perseverance. The city’s industrial roots run deep, with a history closely tied to the rubber and tire industries that once made it a global powerhouse. The legacy of this era is preserved at the Stan Hywet Hall & Gardens, the former estate of Goodyear co-founder F.A. Seiberling. This stunning mansion, now a museum, offers a glimpse into the opulent lifestyle of Akron’s industrialists and is surrounded by beautiful gardens that provide a peaceful retreat from the city’s hustle and bustle.
Downtown Akron is a testament to the city’s ability to evolve while honoring its past. The historic Akron Civic Theatre, with its grand architecture and atmospheric design, hosts a variety of performances, from concerts to Broadway shows. Nearby, the Akron Art Museum showcases contemporary art in a striking modern building, reflecting the city’s commitment to fostering creativity and innovation.
Akron is also a city that celebrates its natural surroundings. The Ohio & Erie Canalway Towpath Trail winds through the city, offering scenic views and a chance to explore the region’s history along the path of the old canal. The nearby Cuyahoga Valley National Park, just a short drive from Akron, is a haven for outdoor enthusiasts, with miles of trails, waterfalls, and opportunities for wildlife watching.
The city’s love for sports is evident in its passionate fan base. Akron is home to the Akron RubberDucks, a minor league baseball team that plays at Canal Park, a downtown stadium that offers a family-friendly atmosphere and a great view of the city’s skyline. The University of Akron’s Zips teams also draw crowds, with college sports being a central part of the city’s community life.
Akron’s food scene is as diverse as its population, with a wide array of dining options that reflect the city’s rich cultural tapestry. From classic diners serving up hearty American fare to trendy restaurants offering innovative dishes, there’s something to satisfy every palate. The city’s North Hill neighborhood, known as Akron’s International District, is a particularly vibrant area where you can find a variety of international cuisines, showcasing the city’s welcoming spirit and cultural diversity.
But what truly sets Akron apart is its sense of community. The city’s residents are known for their friendliness and willingness to help one another, creating a welcoming environment that makes everyone feel at home. This strong community spirit is reflected in the many festivals and events that take place throughout the year, from the Akron Marathon, which draws runners from across the country, to the annual Rib, White, & Blue Festival, a summer celebration of food, music, and fireworks.
Akron, Ohio, is a city that honors its past while looking to the future, offering a quality of life that is both rich in history and full of promise. Whether you’re exploring its historical landmarks, enjoying its natural beauty, or connecting with its welcoming community, Akron invites you to discover all that makes it a special place to live, work, and visit. Come and experience the heart of Northeast Ohio—a city where innovation, culture, and community come together to create a truly unique place to call home.
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!
Description: Akron is prone to severe thunderstorms, especially during the spring and summer. These storms can bring strong winds, heavy rain, and sometimes hail.
Why It’s a Risk: Mobile homes are particularly vulnerable to damage from high winds and hail, which can cause significant structural damage or even overturn homes.
Implications/Tips: Ensure your mobile home is securely anchored and consider installing storm shutters. Regular maintenance of the roof and windows is crucial to prevent damage.
Description: Akron can experience flooding, particularly during heavy rainfall events, which can overwhelm drainage systems and lead to flash flooding.
Why It’s a Risk: Mobile homes are at risk of water damage during floods, especially if not elevated above flood-prone areas.
Implications/Tips: Consider elevating your home if in a flood-prone area and ensure proper drainage around the property. It’s also important to have flood insurance and an emergency plan in place.
Description: Akron experiences harsh winter weather, including heavy snow, ice storms, and freezing temperatures, which can last for several months.
Why It’s a Risk: Mobile homes may lack sufficient insulation, making them vulnerable to cold temperatures, which can lead to frozen pipes and higher heating costs.
Implications/Tips: Proper insulation and heating systems are vital for winter preparedness. Regularly clear snow from roofs to prevent structural damage and ensure pipes are protected from freezing.
By taking these precautions, residents of mobile and manufactured homes in Akron can better protect themselves and their property from these common weather-related hazards.
Akron experiences a high rate of property crime, contributing significantly to its overall crime rate. Key data points include:
These figures indicate that property crime is a major issue in Akron, with residents facing a significant risk of theft and burglary.
Violent crime in Akron is also notably high, placing it among the more dangerous communities in the United States. Important data points include:
These statistics underscore the severity of violent crime in Akron, which is one of the highest in the country, contributing heavily to the city’s overall crime concerns.
Akron has one of the highest overall crime rates in America, significantly exceeding the averages for most other communities. Here’s an overview:
These insights suggest that Akron is a city with considerable safety challenges, with both violent and property crimes occurring at rates well above national and state averages.
Understand who is responsible for maintenance and repairs. Ensures clarity on responsibilities and avoids disputes.
Get all agreements in writing. Provides legal protection in case of disputes.
Don’t hesitate to negotiate lease terms to better suit your needs. Can result in more favorable living conditions or rent.
Invest in renters insurance for your belongings. Provides financial protection against theft or damage.
Take photos and document the condition of the property at move-in. Helps in getting your security deposit back.
Be aware of the amenities provided by the mobile home park. Enhances your living experience and convenience.
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 Akron’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!
