Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Kettering, OH

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 Kettering, OH : Costs, Coverage, and Considerations

Welcome to Kettering, Ohio – a small-town with charm and warm community spirit. The city beckons you to come closer and explore all it has to offer. From history buffs to foodies, outdoor adventurers to RV travelers, Kettering is ready to welcome one and all with open arms and a dash of old school charm.

Step right into Kettering, a town that wears its history like a beloved heirloom, cherished and revered. The Kettering Moraine Museum & Historical Society stands as a testament to the town’s past, inviting visitors to uncover the layers of its agricultural roots and industrial growth. It’s a journey through time, where each artifact whispers stories of days gone by, painting a vivid picture of Kettering’s heritage.

But Kettering isn’t just about looking back; it’s a town that embraces the present with open arms, ready to show you a good time. Take a stroll through the Town & Country Shopping Center, where a smorgasbord of dining options awaits, from cozy pizza joints to upscale dining experiences. And for those who crave the great outdoors, Hills & Dales MetroPark and its scenic trails offer a sanctuary for nature lovers and adventure seekers alike.

Now, let’s talk about the heartbeat of Kettering – its affordability and diversity, honey! Kettering is a town where you can plant your roots without watching your wallet wither away. The cost of living is kind to the pocketbook, allowing residents to live comfortably and enjoy all that this charming town has to offer. And with a diverse population that reflects a beautiful mosaic of backgrounds and experiences, Kettering celebrates unity in diversity, making everyone feel right at home.

Kettering is a town that prides itself on its sense of community, rich history, and diverse attractions. Whether you’re a history buff, a foodie looking for culinary delights, an outdoor enthusiast seeking adventure, or an RV traveler on the go, Kettering has something for everyone.
In terms of the town’s history, Kettering Moraine Museum & Historical Society is a must-see attraction. The museum showcases the town’s past – from its agricultural roots to its growth as a hub of industry and innovation. You can also take a stroll through the Fraze Pavilion, a development that honors the vision of the late Ermal Fraze, a Kettering resident and inventor of the pop-top can.

But Kettering is not just living in the past. The town recognizes that it takes innovation and energy to keep moving forward, and its diverse attractions reflect this. For example, the Town & Country Shopping Center offers a wide variety of dining options, from pizza joints to upscale restaurants. And, if you’re a fan of the outdoors, then the Hills & Dales MetroPark and other parks in the area are sure to please, with hiking trails, rivers for fishing or kayaking, and picnic spots.

What’s more, Kettering boasts excellent schools, affordable living options, and a diverse population. The town is home to people from all walks of life, making it an ideal place to call home for everyone. The cost of living is also much lower than other major cities, and residents get a lot of bang for their buck. You’ll find a lively mix of families, young professionals, and retirees all living and working together in harmony.

In summary, Kettering is a picturesque town that blends the past and present, celebrates diversity, and offers something for everyone. It’s a town where you can create memories, have fun adventures, and create lasting friendships. Once you visit Kettering, I believe you’ll feel the warmth and hospitality that characterizes this charming Southern town.

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
Kettering, Ohio

Weather & Environmental Risks:

Description of Tornado Risk:

Kettering, OH has a higher-than-average tornado index value of 213.15, significantly above the Ohio average of 156.02 and the U.S. average of 136.45.
Tornadoes pose significant threats including severe property damage, personal injury, and potential fatalities.

Data Points:

Tornado Index for Kettering: 213.15
Tornado Index for Ohio: 156.02
Tornado Index for U.S.: 136.45
Total Tornado-related events within 50 miles (1950-2010): 4,521
Specific events related to tornadoes: Thunderstorm Winds (2,467), Hail (1,005)

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Ensure mobile homes are anchored securely to prevent tipping or being lifted by strong winds.
- Create a tornado emergency plan and conduct regular drills with your family.
- Keep a weather radio or mobile app alerts active to receive real-time warnings.
During a Tornado:
- Move to a designated storm shelter or the lowest level of a sturdy building.
- If in an RV, evacuate immediately to a safer structure; RVs offer minimal protection against tornadoes.
After a Tornado:
- Avoid downed power lines and flooded areas.
- Inspect your property for damage and contact your insurance company promptly.

Description of Flood Risk:

Flooding is a significant weather risk in Kettering, with a total of 623 flood events recorded within 50 miles from 1950 to 2010.
Floods can cause extensive property damage, disrupt transportation, and pose severe risks to personal safety.

Data Points:

Total flood events within 50 miles (1950-2010): 623

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Elevate mobile homes on flood-resistant foundations if in flood-prone areas.
- Keep important documents and valuables in waterproof containers.
- Develop an evacuation plan and know the route to higher ground.
During a Flood:
- Evacuate immediately if a flood warning is issued for your area.
- Avoid driving through flooded roads; as little as six inches of water can cause loss of control.
After a Flood:
- Avoid wading in floodwaters, which can be contaminated and hide hazards.
- Document any damage with photos for insurance claims and clean up safely using proper protective gear.

Description of Winter Storm and Ice Storm Risk:

Kettering experiences significant winter weather events, including heavy snow and ice storms, which can lead to hazardous driving conditions, power outages, and physical harm from slips and falls.
A total of 54 heavy snow events and 22 ice storms were recorded within 50 miles from 1950 to 2010.

Data Points:

Heavy Snow events within 50 miles (1950-2010): 54
Ice Storm events within 50 miles (1950-2010): 22

Tips for Mobile Homeowners and RV Owners:

Preparation:
- Insulate mobile homes to prevent freezing of pipes 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 Kettering, Ohio:

Ridgeway Rd / Stonehaven Rd
Santa Rosa Dr / Glenheath Dr
Kettering Southeast
Kennedy Park
Delco Park
Rean Meadow Dr / Glenheath Dr
Larriwood Ave / Renwood Dr
Indian Riffle Park
Wenzler Park
Brubaker Dr / Cushing Ave

Crime Rates:

Description of Property Crime Rates:

Kettering, Ohio, has a property crime rate of 14 per one thousand residents. This rate is higher than the national average for communities of all sizes, indicating an elevated risk of property crimes.

Data Points:

Property Crime Rate in Kettering: 14 per 1,000 residents
Chance of becoming a victim of property crime in Kettering: 1 in 71
Kettering’s property crime rate relative to Ohio: Higher than 77% of Ohio’s cities and towns

Implications:

Property crimes in Kettering include motor vehicle theft, arson, larceny, and burglary. Residents should be vigilant about securing their homes and vehicles to mitigate the risk of property crime.

Tips for Residents:

Home Security:
- Install and regularly update security systems, including alarms and cameras.
- Use strong, secure locks on all doors and windows.
- Consider joining a neighborhood watch program to enhance community vigilance.
Vehicle Security:
- Always lock your vehicle and remove valuables when not in use.
- Park in well-lit, secure areas whenever possible.
Personal Safety:
- Be cautious with personal belongings in public spaces.
- Report any suspicious activity to local authorities promptly.

Description of Violent Crime Rates:

Kettering’s violent crime rate is significantly below the national average. This indicates a relatively low occurrence of serious violent crimes, including assault, rape, murder, and armed robbery.

Data Points:

Violent Crime Rate in Kettering: 1 per 1,000 residents
Chance of becoming a victim of violent crime in Kettering: 1 in 1,966

Implications:

The low rate of violent crimes suggests that Kettering is relatively safe in terms of serious personal threats compared to many other American communities.

Tips for Residents:

Personal Safety:
- Stay aware of your surroundings, especially in unfamiliar areas.
- Use well-lit and populated routes when traveling on foot or by vehicle.
Community Involvement:
- Engage in community activities to foster relationships with neighbors and improve local safety.
- Report any violent incidents or suspicious behavior to law enforcement.
Emergency Preparedness:
- Familiarize yourself with emergency contact information and local resources.
- Participate in community safety workshops or training sessions.

Description of Property Crime Trends:

While Kettering’s overall crime rate is not among the highest, its property crime rate is a significant factor contributing to its higher-than-average crime statistics.

Data Points:

The property crime rate in Kettering is 14 per 1,000 residents, which is notably higher than the average for similarly sized communities across the U.S.

Implications:

The elevated property crime rate implies that residents may experience higher chances of encountering theft, burglary, or vandalism compared to other communities of similar size.

Tips for Residents:

Property Maintenance:
- Regularly check and maintain the security of your property to deter criminals.
- Ensure outdoor lighting is functional and effective at night.
Insurance:
- Consider comprehensive insurance policies that cover property and vehicle theft or damage.
- Review and update your insurance coverage regularly.
Community Engagement:
- Support and participate in local crime prevention initiatives.
- Encourage community efforts to improve neighborhood safety and reduce crime rates.

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.

Anchor Your Home

Ensure your mobile home is securely anchored to prevent it from being uprooted during high winds or floods. Enhances stability and safety during severe weather events.

Elevate Your Home

Consider elevating your home if you live in a flood-prone area. Reduces risk of flood damage to your property.

Install Storm Shutters

Use storm shutters to protect windows from debris during storms. Helps prevent glass breakage and injury.

Maintain Proper Drainage

Ensure that the area around your home has good drainage to avoid water accumulation. Prevents water damage and reduces flood risk.

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
Kettering, Ohio.

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Kettering’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!

Finding the Best Mobile Home Insurance in
Kettering, Ohio.

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

6 options for types of localized coverages:

Winter Weather Coverage

Coverage: Damage from snow, ice, and freezing conditions.
Reasoning: Kettering experiences cold winters, and this coverage protects against damage from ice dams, frozen pipes, and snow loads.

Tornado Coverage

Coverage: Protection against damage from tornadoes and high winds.
Reasoning: Ohio can experience severe storms and tornadoes; this coverage safeguards against wind and storm damage specific to the region.

Vandalism and Theft Coverage

Coverage: Protection against property damage or loss due to vandalism and theft.
Reasoning: Ensure protection for theft or vandalism, which may occur in residential areas.

Utility Failure Coverage

Coverage: Damage resulting from a utility failure, such as electrical outages or water system failures.
Reasoning: Utility failures can lead to significant damage, especially during extreme weather conditions.

Detached Structures Coverage

Inclusion: Coverage for structures not attached to your manufactured home, like sheds or garages.
Reasoning: Protects additional structures on your property against covered perils.

Home Upgrade Rider

Rider: Coverage for improvements or upgrades made to your manufactured home.
Reasoning: Ensures that recent renovations or improvements are covered, maintaining adequate protection.