Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Cuyahoga Falls, Ohio

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 Cuyahoga Falls, OH : Costs, Coverage, and Considerations

Welcome to Cuyahoga Falls, Ohio – a picturesque city of waterfalls and community charm nestled along the banks of the Cuyahoga River. Cuyahoga Falls offers a delightful blend of natural beauty, rich history, and vibrant community spirit. As the second-largest city in Summit County, this picturesque town takes its name from the river’s dramatic falls and rapids, which have been a defining feature for centuries. Whether you’re a nature lover, history enthusiast, or someone seeking small-town charm with big-city amenities, Cuyahoga Falls is a destination worth exploring.

A History Shaped by the River

The history of Cuyahoga Falls is closely tied to the Cuyahoga River, which played a pivotal role in the city’s development. Founded in 1812 by William Wetmore, the city initially thrived as a milling and industrial hub, utilizing the river’s powerful falls to drive machinery. Over time, Cuyahoga Falls transitioned into a suburban community, celebrated for its scenic landscapes and welcoming atmosphere.

Historic landmarks, such as the Mary Campbell Cave, offer a glimpse into the area’s past. This site, located within Gorge Metro Park, is named after Mary Campbell, a young settler reportedly held captive by Native Americans in the 18th century. The cave is both a historic landmark and a popular hiking destination.

Another must-visit site is the High Bridge Glens Park, a historic attraction once dubbed the “Niagara of the West.” In the late 19th century, this amusement park and scenic area drew tourists from far and wide to marvel at the roaring rapids and dramatic cliffs of the Cuyahoga River Gorge. While the original park no longer exists, the natural beauty of the gorge remains a beloved feature of the city.

Explore the Great Outdoors

Cuyahoga Falls is a paradise for outdoor enthusiasts, offering numerous parks, trails, and waterways to explore.

The Cuyahoga Valley National Park, located just minutes away, is a crown jewel of the region. This expansive park features miles of hiking and biking trails, including the popular Towpath Trail, which follows the historic Ohio & Erie Canal. Visitors can enjoy scenic vistas, cascading waterfalls, and a chance to spot local wildlife.

For those seeking adventure closer to town, Gorge Metro Park is a standout destination. This park boasts rugged trails, dramatic rock formations, and stunning views of the Cuyahoga River Gorge. The Gorge Trail, in particular, offers breathtaking overlooks and access to the park’s iconic dam, which adds to the area’s natural allure.

Water lovers will appreciate the opportunities for kayaking and canoeing along the Cuyahoga River. The calm stretches of water are perfect for leisurely paddling, while the river’s rapids challenge more experienced adventurers. Outfitters in the area provide rentals and guided tours to help visitors make the most of their time on the water.

Festivals and Events: A Community That Celebrates

Cuyahoga Falls comes alive throughout the year with a variety of festivals and events that showcase the city’s vibrant community spirit.

One of the most anticipated events is the annual Riverfront Irish Festival, held every June. This celebration of Irish culture features live music, traditional food, and family-friendly activities, drawing crowds from across the region.

Another highlight is the Cuyahoga Falls Oktoberfest, which combines German traditions with local flair. From beer gardens and bratwurst to polka dancing and live entertainment, this festival is a fun-filled way to welcome the fall season.

During the holiday season, the Festival of Lights transforms downtown Cuyahoga Falls into a winter wonderland. Twinkling lights, festive decorations, and community events bring a magical atmosphere to the city, making it a favorite time of year for residents and visitors alike.

A Thriving Downtown and Local Eats

Downtown Cuyahoga Falls has undergone a revitalization in recent years, becoming a hub of dining, shopping, and entertainment.

The Front Street Pedestrian Mall is the heart of the city’s downtown area. This charming, walkable space features boutique shops, cozy cafes, and an array of restaurants that cater to every palate. Whether you’re in the mood for gourmet cuisine or a quick bite, downtown has something to offer.

Food enthusiasts will love local favorites like Burntwood Tavern, known for its rustic-chic atmosphere and delicious American fare, or Blue Door Cafe & Bakery, celebrated for its freshly baked pastries and farm-to-table breakfast options. For a unique dining experience, HiHO Brewing Company serves up craft beers and creative food pairings in a relaxed, community-focused setting.

A City That Welcomes All

Cuyahoga Falls is more than just a scenic destination—it’s a community that embraces its residents and visitors with open arms. Its combination of natural beauty, historical significance, and vibrant culture makes it a city worth exploring and revisiting.

Discover the charm, adventure, and warmth of Cuyahoga Falls, where the river’s journey mirrors the city’s own story of progress, resilience, and beauty.

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
Cuyahoga Falls, Ohio

Weather Risks in Cuyahoga Falls, Ohio:

Hazard: Cuyahoga Falls is prone to significant lake effect snow events, especially during the winter months when cold air moves over the warmer waters of Lake Erie. These snowfalls can produce accumulation rates of 1 to 2 inches per hour, making travel treacherous with poor visibility and slick roads.

Tips for Residents:

Travel Precautions: Avoid unnecessary travel during lake effect snow warnings. If driving is essential, keep an emergency kit with blankets, water, and a flashlight in your car.
Home Preparation: Ensure your home is winterized with proper insulation and weatherproof windows to conserve heat and prevent damage from heavy snow.
Emergency Alerts: Sign up for local weather alerts to stay updated on evolving snow conditions.

Hazard: With 99% of homes in Cuyahoga Falls experiencing major heat risks, rising temperatures and heatwaves are becoming a notable concern. Prolonged exposure to heat can lead to dehydration, heat exhaustion, or even heatstroke, particularly for vulnerable populations like the elderly and young children.

Tips for Residents:

Cooling Measures: Install energy-efficient air conditioning and use fans to circulate cool air. Keep curtains drawn during peak sunlight hours to reduce indoor heat.
Hydration & Health: Stay hydrated and avoid strenuous outdoor activities during the hottest parts of the day.
Community Support: Check on neighbors who may lack adequate cooling systems and be aware of the location of cooling centers in the area.

Hazard: Severe thunderstorms in Cuyahoga Falls often bring damaging winds exceeding 60 mph. These winds can topple trees, power lines, and cause structural damage to homes and buildings.

Tips for Residents:

Yard Safety: Trim tree branches and secure loose outdoor furniture to minimize flying debris.
Home Fortification: Strengthen doors, windows, and garage doors to withstand high winds. Consider storm shutters for added protection.
Power Outages: Prepare for power outages by keeping flashlights, batteries, and a portable phone charger on hand.

Cuyahoga Falls’ combination of winter snow, summer heat, and severe storms requires year-round preparedness. Stay informed through reliable weather sources and implement precautionary measures tailored to these specific hazards.

Recommended Neighborhoods in Cuyahoga Falls, Ohio:

Ira / West Steels Corners
East Steels Corners
Cuyahoga Falls Northwest
Cuyahoga Falls West
Cuyahoga Falls North
Cuyahoga Falls Northeast
Ross Park
High Hampton
Elmwood St / Lincoln Ave
City Center

Crime Rates:

Cuyahoga Falls has a property crime rate that is above average compared to many communities in the U.S.

Property Crime Rate: 18 per one thousand residents
Chance of Becoming a Victim: 1 in 55
Types of Property Crimes: Includes motor vehicle theft, arson, larceny, and burglary

While the property crime rate is above the national average, it is consistent with what might be expected in similarly sized cities.

Violent crime in Cuyahoga Falls is relatively low compared to national averages.

Violent Crime Rate: 1 per one thousand residents
Chance of Becoming a Victim: 1 in 724
Types of Violent Crimes: Includes armed robbery, aggravated assault, rape, and murder/non-negligent manslaughter

The violent crime rate in Cuyahoga Falls is on par with the national average for communities of all sizes, indicating a relatively low likelihood of violent incidents.

Cuyahoga Falls has a moderate overall crime rate compared to both state and national averages.

Total Crime Rate: 20 per one thousand residents
Chance of Becoming a Victim: 1 in 51
Relative Safety in Ohio: Higher crime rate than 85% of the state’s cities and towns

When compared to cities of similar population size across America, Cuyahoga Falls fares better than most, offering a relatively safer environment despite the slightly elevated property crime rate.

6 INSURANCE OPTIONS:

Install Weather Alerts System

Ensure you have a reliable weather alert system to stay informed about severe weather conditions. This is crucial for timely evacuations or taking necessary precautions.

Regular Roof Inspections

Inspect your roof regularly for any damage or wear and tear. Prevents leaks and structural damage during heavy rains or hailstorms.

Energy Efficiency Upgrades

Invest in energy-efficient upgrades like LED lighting and energy-saving appliances. Reduces utility bills and improves comfort.

Create an Emergency Plan

Have an emergency plan in place for evacuations or severe weather. Ensures family safety and readiness.

Landscape for Safety

Design your landscaping to direct water away from your home and reduce fire risk. Protects your home from environmental hazards.

Check Pet Policies

Review pet policies if you have pets or plan to get them. Avoids conflicts and potential fines.

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
Cuyahoga Falls, Ohio.

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Cuyahoga Falls’ specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like storm or lightning damages. Always remember to ask about any available discounts that you may be eligible for!

Finding the Best Mobile Home Insurance in
Cuyahoga Falls, Ohio.

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

6 options for types of localized coverages:

Cuyahoga River Flood Protection

Coverage: Extends coverage for damages from river flooding, including water ingress and cleanup costs.
Reasoning: With the Cuyahoga River running through the area, flood risks are significant during heavy rainfall or snowmelt.

Ice and Snow Load Coverage

Coverage: Protects against structural damage caused by heavy snow or ice accumulation on roofs and other parts of the home.
Reasoning: Cuyahoga Falls experiences cold winters with substantial snowfall, increasing the risk of roof collapses.

Urban Wildlife Damage Coverage

Coverage: Covers damage from urban wildlife, including raccoons, squirrels, and birds that may nest or cause property damage.
Reasoning: The proximity to parks and natural areas increases interactions with local wildlife.

Akron-Cuyahoga Event Liability Inclusion

Inclusion: Extends liability coverage if you host events or gatherings at your home, such as during Akron-Cuyahoga festivals or community events.
Reasoning: Local homeowners often host visitors during popular events in the area.

Deck and Porch Damage Inclusion

Inclusion: Includes coverage for wear and tear or storm damage to outdoor features like decks, porches, or patios.
Reasoning: Many manufactured homes in Cuyahoga Falls have outdoor spaces that are exposed to weather risks.

Home Office Coverage Inclusion

Inclusion: Protects office equipment and liability if you operate a home-based business, such as consulting or crafts.
Reasoning: Remote work is increasingly common, and this inclusion ensures business assets are insured.

Park and Trail Proximity Rider

Rider: Offers additional liability protection for homeowners living near parks or trails, covering risks like trespassers or accidental property damage.
Reasoning: The area’s numerous parks and trails bring increased foot traffic near residential properties.

Cold Weather Utility Backup Rider

Rider: Covers damages from frozen pipes or backups in plumbing or heating systems during extreme cold spells.
Reasoning: Winter temperatures in Cuyahoga Falls can drop significantly, putting strain on utilities.

Historic District Compliance Rider

Rider: Provides coverage for maintaining compliance with local regulations if your manufactured home is located near historical districts.
Reasoning: Proximity to Akron’s historical areas may require specific restoration or aesthetic standards.

These coverages, inclusions, and riders address the unique challenges and lifestyle aspects of living in Cuyahoga Falls, OH, from river-related risks and cold weather challenges to community engagement and recreational opportunities.