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 Bowling Green, Ohio – a charming city where the spirit of a tight-knit community meets the energy of a thriving university town. Located in the heart of Northwest Ohio, Bowling Green offers a unique blend of small-town charm and vibrant cultural experiences, making it a wonderful place to live, work, and visit.
Bowling Green’s history dates back to the early 19th century when it was first settled by pioneers drawn to the fertile lands and strategic location near the Maumee River. The city’s growth was spurred by the construction of the Miami and Erie Canal, which brought commerce and settlers to the region. Today, Bowling Green honors its past with beautifully preserved historic buildings and a commitment to maintaining its small-town feel even as it grows.
At the heart of Bowling Green is Bowling Green State University (BGSU), a major driver of the city’s culture and economy. Founded in 1910, BGSU has grown into a prominent public university known for its strong academic programs, particularly in education, business, and the arts. The university’s presence infuses the city with a youthful energy, offering residents and visitors access to a wide array of cultural events, sports, and educational opportunities. The university’s Wolfe Center for the Arts and Fine Arts Center regularly host performances, exhibitions, and lectures that enrich the community and attract visitors from across the region.
Bowling Green is also known for its beautiful parks and outdoor spaces, which provide residents with ample opportunities to enjoy nature and stay active. Wintergarden/St. John’s Nature Preserve is a local favorite, offering miles of trails through woodlands and wetlands, perfect for hiking, birdwatching, and connecting with nature. Simpson Garden Park is another gem, featuring beautifully landscaped gardens, walking paths, and a community garden that showcases the city’s commitment to green spaces and sustainable living.
The city’s downtown area is a lively hub of activity, with an eclectic mix of shops, restaurants, and cafes that reflect Bowling Green’s unique character. Main Street is the heart of downtown, where you’ll find locally owned businesses offering everything from vintage clothing and handmade crafts to gourmet coffee and international cuisine. The annual Black Swamp Arts Festival, held every September, transforms downtown into a vibrant celebration of art, music, and culture, drawing thousands of visitors and showcasing the talents of local and regional artists.
Bowling Green is also home to some interesting and lesser-known facts. For example, the city was the site of the first-ever commercial-scale wind farm in Ohio, highlighting its early commitment to renewable energy. The Wood County Historical Center & Museum, housed in the former Wood County Infirmary, offers a fascinating look at the area’s history, with exhibits that explore everything from the early pioneer days to the county’s agricultural heritage.
Bowling Green, Ohio, is a city where history, education, and community come together to create a vibrant and welcoming environment. Whether you’re exploring the campus of BGSU, enjoying the natural beauty of the city’s parks, or discovering the unique offerings of its downtown, Bowling Green invites you to experience all that makes it a special place to live, work, and visit. Come and discover the heart of Wood County—a place where tradition meets innovation and community spirit thrives.
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: Bowling Green is susceptible to tornadoes and severe thunderstorms, particularly during spring and summer. These storms can bring high winds, heavy rainfall, and hail, posing significant risks to mobile and manufactured homes.
Why It’s a Risk: Mobile homes are especially vulnerable due to their lighter construction. Tornadoes can cause extensive damage or even destroy these homes, making them a significant hazard.
Implications/Tips: Ensure that your home is securely anchored and have a plan in place to reach a nearby storm shelter. Regularly monitor weather alerts and be prepared to act quickly.
Description: Heavy rainfall can lead to flash flooding, particularly in low-lying areas of Bowling Green. Flooding can occur suddenly, causing significant damage to mobile homes.
Why It’s a Risk: Floodwater can undermine the foundations of mobile homes and lead to extensive water damage, making the home uninhabitable.
Implications/Tips: Elevate your home if it’s in a flood-prone area and ensure proper drainage around the property. Flood insurance is essential, along with an emergency evacuation plan.
Description: Bowling Green experiences harsh winter weather, including heavy snow, ice storms, and extremely cold temperatures.
Why It’s a Risk: Mobile homes, often less insulated than traditional homes, are at higher risk for issues like frozen pipes, roof damage from snow accumulation, and increased heating costs.
Implications/Tips: Improve insulation, protect pipes from freezing, and ensure heating systems are reliable. Regularly remove snow from roofs to prevent damage.
Bowling Green experiences a relatively high rate of property crime, which significantly contributes to its overall crime rate. Here are the key data points:
These statistics indicate that property crime is a prevalent issue in Bowling Green, with a higher-than-average risk compared to other communities in the U.S.
Violent crime in Bowling Green is notably low, contributing to the city’s overall safety. Important data points include:
These figures highlight that violent crime is not a significant concern in Bowling Green, with rates well below the national average, making it relatively safe in this regard.
Bowling Green’s overall crime rate is higher than the national average, making it less safe than many other communities in the United States. Here’s an overview:
These insights suggest that while Bowling Green has a higher crime rate than many other communities in Ohio, it remains about average when compared to cities of similar size across the United States. The higher property crime rate is the primary contributor to the overall crime rate in Bowling Green.
Obtain an independent appraisal to determine the home's true value. Protects you from overpaying.
Ensure the home is well-insulated to handle extreme temperatures. Improves energy efficiency and comfort.
Regularly trim trees and branches near your home. Reduces the risk of damage from falling branches during storms.
Consider adding earthquake coverage if the area is at risk. Provides additional protection in case of seismic activity.
Schedule regular pest inspections. Prevents infestations that can damage your home.
Implement regular pest control measures. Prevents damage and health issues.
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 Bowling Green’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!
