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Protect Your Manufactured Home in Elyria, 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 Elyria, OH : Costs, Coverage, and Considerations

Welcome to Elyria, Ohio, a city where historical significance meets vibrant culture and natural beauty. Nestled in the heart of Lorain County, Elyria offers a rich tapestry of experiences that blend its storied past with a dynamic present, inviting visitors and residents alike to explore its unique charm.

Elyria’s history is deeply intertwined with its role as an early industrial hub. Founded in 1817, the city quickly grew as a center for manufacturing and commerce. The Elyria Historical Society Museum, housed in the meticulously restored Lorain County Courthouse, provides a fascinating glimpse into the city’s past, showcasing artifacts, photographs, and exhibits that trace Elyria’s evolution from a burgeoning industrial town to a modern community.

One of Elyria’s most notable historical landmarks is the Elyria Public Library’s Main Branch. Established in 1881, this library has been a cornerstone of the community’s educational and cultural life, providing access to literature, resources, and community programs that enrich the lives of its patrons.

The city’s architectural heritage is equally impressive. Stroll through downtown Elyria, where beautifully preserved buildings reflect the city’s historical character. Notable structures include the Elyria Savings and Trust Building, an example of early 20th-century architecture, and the historic First Congregational Church, known for its stunning Gothic Revival design.

Elyria’s cultural landscape is enriched by a variety of local arts and entertainment options. The Elyria Arts Council plays a pivotal role in fostering creativity and artistic expression within the community. The council organizes art exhibitions, performances, and workshops that highlight the talents of local artists and provide opportunities for community engagement.

Nature lovers will find plenty to explore in Elyria as well. The city’s parks and green spaces offer a respite from urban life, with places like Cascade Park providing scenic trails, picnic areas, and the picturesque Elyria Falls. The Black River, which flows through the city, is a popular spot for fishing, kayaking, and enjoying the natural beauty of the region.

Elyria’s commitment to community is evident in its lively events and festivals. The Elyria Apple Festival, held annually, celebrates the city’s agricultural heritage with craft vendors, live music, and delicious apple-themed treats. Other local events, such as the Elyria Fireworks Display and the Elyria Community Band concerts, bring residents together and showcase the city’s vibrant community spirit.

Education is a cornerstone of Elyria’s identity, with a focus on providing quality learning opportunities for students of all ages. Elyria City Schools, along with various local educational institutions, are dedicated to fostering academic excellence and community involvement, contributing to the city’s dynamic and engaged atmosphere.

In Elyria, Ohio, every historical landmark, cultural venue, and natural attraction contributes to a rich and inviting experience. Whether you’re exploring its storied past, enjoying its cultural offerings, or relaxing in its beautiful parks, Elyria welcomes you with a blend of history, nature, and community warmth that makes it a truly special place to visit and call home.

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
Elyria, Ohio

Weather & Environmental Risks:

Description of Earthquake Risk:

Elyria, OH has an earthquake index value of 0.11, which is lower than both the Ohio average of 0.16 and the U.S. average of 1.81. While the risk is relatively low, it is still important to be prepared for potential seismic activity.

Data Points:

Earthquake Index for Elyria: 0.11
Earthquake Index for Ohio: 0.16
Earthquake Index for U.S.: 1.81

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Secure heavy furniture and appliances to walls to prevent them from tipping over.
- Ensure gas lines and other utilities are flexible to reduce the risk of leaks and ruptures.
- Create an emergency plan and earthquake kit that includes food, water, and medical supplies.
During an Earthquake:
- Drop to your hands and knees, cover your head and neck, and hold on to a sturdy piece of furniture.
- If you are in an RV, move to the safest part of the vehicle (usually between two sturdy pieces of furniture) and hold on.
After an Earthquake:
- Check for gas leaks, downed power lines, and other hazards.
- Avoid driving unless absolutely necessary to keep roads clear for emergency responders.
- Inspect your property and RV for damage and make necessary repairs.

Description of Tornado Risk:

Elyria, OH has a tornado index value of 151.40, slightly below the Ohio average of 156.02 but above the U.S. average of 136.45. Tornadoes can cause significant damage to property and pose a risk to life.

Data Points:

Tornado Index for Elyria: 151.40
Tornado Index for Ohio: 156.02
Tornado Index for U.S.: 136.45
Total tornado-related events within 50 miles (1950-2010): 4,408
Specific tornado-related events: Thunderstorm Winds (2,244), Strong Wind (109)

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Anchor mobile homes securely to the ground to prevent them from being overturned.
- Identify the nearest storm shelter or sturdy building where you can take refuge during a tornado.
- Keep an emergency kit with essentials such as water, food, medications, and a first-aid kit.
During a Tornado:
- Move to the lowest level of a sturdy building, away from windows and exterior walls.
- If you are in an RV, evacuate to a safer structure as RVs offer little protection against tornadoes.
After a Tornado:
- Avoid downed power lines and debris.
- Inspect your property for damage and make necessary repairs.
- Contact your insurance company to report any damage and start the claims process.

Description of Winter Storm and Ice Storm Risk:

Elyria experiences significant winter weather, including heavy snow and ice storms. There were 57 heavy snow events and 19 ice storms recorded within 50 miles from 1950 to 2010.
Winter storms and ice storms can lead to hazardous driving conditions, power outages, and physical harm from slips and falls.

Data Points:

Heavy Snow events within 50 miles (1950-2010): 57
Ice Storm events within 50 miles (1950-2010): 19

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Insulate mobile homes to prevent pipes from freezing and improve energy efficiency.
- Stock up on essentials like food, water, and heating fuel before a storm hits.
- Equip your RV with weather-appropriate tires and antifreeze.
During a Winter Storm/Ice Storm:
- Stay indoors and avoid travel unless absolutely necessary.
- Keep a battery-powered radio to receive weather updates in case of power outages.
After a Winter Storm/Ice Storm:
- Clear snow and ice from roofs and walkways to prevent structural damage and injuries.
- Check for and report downed power lines or tree branches that may pose further risks.

Recommended Neighborhoods in Elyria, Ohio:

Elyria Southwest
Spring Valley
Laporte
College Heights
West End
Midway
Midway South
Elyria Northwest
Eastern Heights
Chestnut Heights

Crime Rates:

Description of Property Crime Rates:

Elyria, Ohio, has a property crime rate of 19 per one thousand residents. This rate is higher than the national average, indicating a greater likelihood of property crimes such as motor vehicle theft, arson, larceny, and burglary.

Data Points:

Property Crime Rate in Elyria: 19 per 1,000 residents
Chance of becoming a victim of property crime in Elyria: 1 in 53
Elyria’s property crime rate relative to national averages: Above average

Implications:

Residents of Elyria face a higher-than-average risk of property crimes compared to communities across the U.S. of all sizes. Enhanced security measures and awareness are recommended.

Tips for Residents:

Home Security:
- Install and maintain a home security system with cameras and alarms.
- Secure all entry points with robust locks and consider motion-sensor lights.
Vehicle Safety:
- Always lock vehicles and avoid leaving valuables inside.
- Park in well-lit, secure areas whenever possible.
Community Safety:
- Engage in or establish local neighborhood watch programs.
- Report suspicious activities to local authorities promptly.

Description of Violent Crime Rates:

Elyria’s violent crime rate is 2 per one thousand residents, which is higher than in most communities across America. This rate includes serious offenses such as armed robbery, aggravated assault, rape, and murder.

Data Points:

Violent Crime Rate in Elyria: 2 per 1,000 residents
Chance of becoming a victim of violent crime in Elyria: 1 in 504
Elyria’s violent crime rate relative to national averages: Higher than most communities

Implications:

Elyria’s violent crime rate is notably higher than the national average, with a significant risk of violent offenses. This highlights the importance of community vigilance and preventive measures.

Tips for Residents:

Personal Safety:
- Be aware of your surroundings, especially in unfamiliar areas.
- Avoid risky situations and secure personal belongings.
Community Engagement:
- Participate in local safety programs and stay informed about crime trends.
- Support and collaborate with local law enforcement to address and reduce violent crime.
Emergency Preparedness:
- Know emergency contact numbers and local resources for crime victims.
- Consider self-defense training and other personal safety measures.

Description of Overall Crime Rates:

Elyria has a total crime rate of 21 per one thousand residents, placing it above the national average but not among the highest crime rates in America. This encompasses both violent and property crimes.

Data Points:

Overall Crime Rate in Elyria: 21 per 1,000 residents
Chance of becoming a victim of either violent or property crime in Elyria: 1 in 48
Elyria’s overall crime rate relative to Ohio: Higher than 86% of Ohio’s cities and towns

Implications:

Elyria’s overall crime rate is higher than average compared to national standards but is comparable to similar-sized communities. Residents should remain proactive in crime prevention and community safety efforts.

Tips for Residents:

Community Safety Initiatives:
- Join or support local safety and crime prevention programs.
- Work with local organizations to address crime and improve neighborhood security.
Personal and Property Protection:
- Stay vigilant and implement personal and property security measures.
- Engage with local authorities to stay informed and involved in crime reduction efforts.
Support Systems:
- Utilize local crime victim resources and support services.
- Encourage community involvement in safety initiatives and crime prevention programs.

6 INSURANCE OPTIONS:

Great Lakes Ice Damage Coverage

Coverage: Protection against damage from ice build-up and ice storms originating from the Great Lakes. Reasoning: Elyria’s proximity to Lake Erie means increased risk of ice-related damage, such as ice dams on roofs or frozen pipes.

Great Lakes Shoreline Erosion Coverage

Coverage: Protection against damage caused by shoreline erosion affecting properties near Lake Erie. Reasoning: Erosion near Lake Erie can impact properties; this coverage helps address damage caused by gradual erosion processes.

Snow Load Coverage

Coverage: Protection against damage due to heavy snow accumulation and snow load on roofs. Reasoning: Elyria experiences significant snowfall; this coverage helps address damage caused by heavy snow and ice accumulation.

Local Wildlife Damage Coverage

Coverage: Protection against damage caused by local wildlife, such as raccoons or squirrels, which may invade homes. Reasoning: Wildlife in the Elyria area can cause significant damage, especially if they invade or nest in the home.

Historical Property Coverage

Coverage: Enhanced protection for properties in historic districts or those with historical significance. Reasoning: Elyria has historic properties; this coverage provides additional protection for unique or historic features of the home.

Custom Home Features Inclusion

Inclusion: Coverage for custom or unique features added to the manufactured home, such as custom siding or unique exterior finishes. Reasoning: Protects any specialized features that may not be covered under standard policies.

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
Elyria, Ohio.

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Elyria’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
Elyria, Ohio.

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

6 options for types of localized coverages:

Great Lakes Ice Damage Coverage

Coverage: Protection against damage from ice build-up and ice storms originating from the Great Lakes.
Reasoning: Elyria’s proximity to Lake Erie means increased risk of ice-related damage, such as ice dams on roofs or frozen pipes.

Great Lakes Shoreline Erosion Coverage

Coverage: Protection against damage caused by shoreline erosion affecting properties near Lake Erie.
Reasoning: Erosion near Lake Erie can impact properties; this coverage helps address damage caused by gradual erosion processes.

Snow Load Coverage

Coverage: Protection against damage due to heavy snow accumulation and snow load on roofs.
Reasoning: Elyria experiences significant snowfall; this coverage helps address damage caused by heavy snow and ice accumulation.

Local Wildlife Damage Coverage

Coverage: Protection against damage caused by local wildlife, such as raccoons or squirrels, which may invade homes.
Reasoning: Wildlife in the Elyria area can cause significant damage, especially if they invade or nest in the home.

Historical Property Coverage

Coverage: Enhanced protection for properties in historic districts or those with historical significance.
Reasoning: Elyria has historic properties; this coverage provides additional protection for unique or historic features of the home.

Custom Home Features Inclusion

Inclusion: Coverage for custom or unique features added to the manufactured home, such as custom siding or unique exterior finishes.
Reasoning: Protects any specialized features that may not be covered under standard policies.