Covertree’s Comprehensive Guide.

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

Welcome to Findlay, Ohio, a city where historical heritage harmoniously mingles with modern innovation and a strong sense of community. Situated in Hancock County, Findlay offers a distinctive blend of cultural experiences, natural beauty, and local charm, making it an inviting destination for visitors and a cherished home for its residents.

Findlay’s history is marked by its early beginnings and growth as a vital industrial and agricultural hub. Founded in 1821, the city’s historical significance is preserved in its well-maintained landmarks and museums. The Hancock Historical Museum, located in the heart of Findlay, provides a captivating journey through the city’s past with its extensive collection of artifacts, photographs, and exhibits. Visitors can explore the museum’s historic buildings, including the 19th-century log cabin and the beautifully restored mansion, which offer a glimpse into life in early Findlay.

One of Findlay’s most notable historical landmarks is the Marathon Oil Company’s headquarters, which reflects the city’s rich industrial history. Marathon Oil has been a significant part of Findlay’s development, and the company’s presence is celebrated in the community. The Marathon Center for the Performing Arts, a state-of-the-art venue, further underscores Findlay’s commitment to cultural enrichment, hosting a wide range of performances, from concerts to theater productions.

The city’s natural beauty is equally impressive, with a variety of parks and green spaces that offer recreational opportunities for residents and visitors. The Findlay Reservoirs, with their tranquil waters and scenic surroundings, are ideal for fishing, boating, and picnicking. The city’s extensive trail system, including the popular Riverwalk Trail, provides opportunities for walking, jogging, and cycling while enjoying picturesque views of the Blanchard River.

Findlay’s cultural scene is vibrant and diverse, with numerous events and festivals that celebrate the city’s heritage and community spirit. The Findlay Art League hosts regular exhibitions and art classes, showcasing local talent and fostering creativity. The city also hosts annual events such as the Findlay Wine Festival and the Flag City BalloonFest, which bring together residents and visitors for memorable experiences and community celebration.

Education and community engagement are central to Findlay’s identity. The Findlay City Schools, along with various local educational institutions, emphasize academic excellence and community involvement. The city’s libraries and community centers offer programs and resources that enhance the quality of life for residents of all ages.

Findlay’s sense of community is also reflected in its local businesses and dining options. The city’s charming downtown area features a mix of boutique shops, restaurants, and cafes, where visitors can enjoy a variety of culinary delights and unique shopping experiences. The local farmers’ markets and craft fairs further highlight Findlay’s commitment to supporting local artisans and producers.

In Findlay, Ohio, every historical site, cultural venue, and natural attraction weaves together to create a rich and inviting experience. Whether you’re exploring its historical landmarks, enjoying its scenic parks, or participating in its vibrant community events, Findlay offers a blend of history, innovation, 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
Findlay, Ohio

Weather & Environmental Risks:

Description of Earthquake Risk:

Findlay, OH has an earthquake index value of 0.07, which is lower than both the Ohio average of 0.16 and the U.S. average of 1.81. While the risk of earthquakes in Findlay is relatively low, it is still important to be aware and prepared for potential seismic activity.

Data Points:

Earthquake Index for Findlay: 0.07
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 prevent them from tipping over.
- Install flexible gas lines and other utilities to minimize the risk of leaks.
- Keep an emergency kit with food, water, and medical supplies.
During an Earthquake:
- Drop to your hands and knees, cover your head and neck, and hold on to sturdy furniture.
- If inside an RV, move to a secure area within the vehicle and brace yourself.
After an Earthquake:
- Check for hazards such as gas leaks or downed power lines.
- Avoid unnecessary travel to keep roads clear for emergency responders.
- Inspect your property and RV for damage and make necessary repairs.

Description of Tornado Risk:

Findlay, OH has a tornado index value of 178.07, which is higher than both the Ohio average of 156.02 and the U.S. average of 136.45. Tornadoes pose a significant threat to the area, capable of causing severe damage to property and endangering lives.

Data Points:

Tornado Index for Findlay: 178.07
Tornado Index for Ohio: 156.02
Tornado Index for U.S.: 136.45
Total tornado-related events within 50 miles (1950-2010): 3,803
Specific tornado-related events: Thunderstorm Winds (2,165), Strong Wind (81)

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Secure mobile homes to their foundations to prevent them from being overturned.
- Identify nearby storm shelters or sturdy buildings for refuge during a tornado.
- Assemble an emergency kit with essentials such as food, water, and first-aid supplies.
During a Tornado:
- Move to the lowest level of a sturdy building, away from windows and exterior walls.
- If in an RV, evacuate to a more secure structure as RVs provide 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 begin the claims process.

Description of Winter Storm and Ice Storm Risk:

Findlay experiences significant winter weather, including heavy snow and ice storms. There were 41 heavy snow events and 12 ice storms recorded within 50 miles from 1950 to 2010. These conditions can create hazardous driving situations, power outages, and physical harm from slips and falls.

Data Points:

Heavy Snow events within 50 miles (1950-2010): 41
Ice Storm events within 50 miles (1950-2010): 12

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:

West Independence
Findlay East
Findlay North
West Park
Findlay West
Findlay South
Findlay Southeast
Findlay Northeast
City Center / The University of Findlay
E Bigelow Ave / Crystal Ave

Crime Rates:

Description of Property Crime Rates:

Findlay, Ohio, has a property crime rate of 18 per one thousand residents. This rate is above the national average, indicating a higher likelihood of property crimes such as motor vehicle theft, arson, larceny, and burglary.

Data Points:

Property Crime Rate in Findlay: 18 per 1,000 residents
Chance of becoming a victim of property crime in Findlay: 1 in 57
Findlay’s property crime rate relative to national averages: Above average

Implications:

Residents in Findlay face an increased risk of property crimes compared to the average across all U.S. communities. It is advisable for residents to adopt additional security measures and stay vigilant.

Tips for Residents:

Home Security:
- Enhance security with alarms, cameras, and secure locks.
- Consider neighborhood watch programs and community alerts.
Vehicle Safety:
- Always lock vehicles and avoid leaving valuables inside.
- Use secure parking areas, preferably well-lit and monitored.
Community Engagement:
- Participate in or support local crime prevention initiatives.
- Report suspicious activities promptly to local authorities.

Description of Violent Crime Rates:

Findlay’s violent crime rate is 2 per one thousand residents, which is about average compared to communities of all sizes in America. This rate includes serious offenses such as armed robbery, aggravated assault, rape, and murder.

Data Points:

Violent Crime Rate in Findlay: 2 per 1,000 residents
Chance of becoming a victim of violent crime in Findlay: 1 in 575
Findlay’s violent crime rate relative to national averages: About average

Implications:

Findlay’s violent crime rate is similar to the national average, suggesting a moderate risk of violent offenses. However, residents should still be aware of their surroundings and take precautionary measures.

Tips for Residents:

Personal Safety:
- Stay aware of your surroundings and avoid risky situations.
- Secure personal belongings and avoid sharing sensitive information.
Community Involvement:
- Engage with local safety programs and stay informed about crime trends.
- Support initiatives aimed at reducing violent crime in the community.
Emergency Preparedness:
- Know emergency contact numbers and resources for crime victims.
- Consider self-defense training and other personal safety strategies.

Description of Overall Crime Rates:

Findlay has an overall crime rate of 19 per one thousand residents, placing it above the national average but not among the highest crime rates in America. This rate includes both violent and property crimes.

Data Points:

Overall Crime Rate in Findlay: 19 per 1,000 residents
Chance of becoming a victim of either violent or property crime in Findlay: 1 in 52
Findlay’s overall crime rate relative to Ohio: Higher than 84% of Ohio’s cities and towns

Implications:

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

Tips for Residents:

Community Safety Initiatives:
- Support local safety and crime prevention programs.
- Collaborate with community organizations to improve neighborhood security.
Personal and Property Protection:
- Implement robust security measures for personal and property safety.
- Stay engaged with local authorities and participate in crime reduction efforts.
Support Systems:
- Utilize local resources and support services for crime victims.
- Encourage community involvement in safety initiatives and preventive measures.

6 INSURANCE OPTIONS:

Ask About Maintenance Policies

Understand who is responsible for maintenance and repairs. Ensures clarity on responsibilities and avoids disputes.

Secure Written Agreements

Get all agreements in writing. Provides legal protection in case of disputes.

Negotiate Lease Terms

Don’t hesitate to negotiate lease terms to better suit your needs. Can result in more favorable living conditions or rent.

Get Renters Insurance

Invest in renters insurance for your belongings. Provides financial protection against theft or damage.

Document Property Condition

Take photos and document the condition of the property at move-in. Helps in getting your security deposit back.

Understand Community Amenities

Be aware of the amenities provided by the mobile home park. Enhances your living experience and convenience.

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
Findlay, Ohio.

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

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

6 options for types of localized coverages:

Utility Line Protection

Inclusion: Coverage for damage to utility lines connecting your home to public services (water, sewer, gas).
Reasoning: Protects against repair costs for utility lines that may be damaged due to weather or other external factors.

Cultural Event Liability

Inclusion: Coverage for liability during local cultural or community events hosted at your property.
Reasoning: Findlay hosts various local events; this coverage provides liability protection during such activities.

Garage and Outbuilding Coverage

Inclusion: Expanded protection for garages, carports, and other outbuildings on your property.
Reasoning: Ensures that additional structures are adequately covered against damage or loss.

Power Surge Protection

Inclusion: Coverage for damage caused by power surges, including those caused by local electrical grid issues.
Reasoning: Power surges, especially during storms, can cause significant damage to home systems and appliances.

Energy Efficiency Upgrade Rider

Rider: Coverage for upgrades that enhance energy efficiency, such as improved insulation or energy-efficient windows.
Reasoning: Provides additional protection for energy-efficient improvements that can help reduce overall utility costs.

Home-Based Business Coverage

Rider: Protection for businesses operated out of the manufactured home, including liability and equipment coverage.
Reasoning: If you run a business from home, this rider ensures your business assets and operations are protected.