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

A Guide to Mobile Home Insurance in Massillon, OH : Costs, Coverage, and Considerations

Welcome to Massillon, Ohio, a city that perfectly marries its rich historical legacy with the energy of modern community life. Nestled in the heart of Stark County, Massillon is a place where the past and present coexist harmoniously, creating a vibrant and welcoming environment for both residents and visitors. Known for its deep roots in American history, strong sense of community, and diverse attractions, Massillon offers a unique experience for all who visit.

Massillon’s history dates back to the early 19th century when it was founded by James Duncan in 1826. Named after French Catholic Bishop Jean Baptiste Massillon, the city quickly became a vital hub for the Ohio and Erie Canal, fostering economic growth and development. This historical significance is still evident today, with many preserved buildings and landmarks that tell the story of Massillon’s early days.

One of the city’s most prominent historical sites is the Massillon Museum, a cultural gem located in the heart of downtown. Housed in a beautifully restored 1931 art deco building, the museum features a diverse collection of exhibits that highlight the city’s rich history, art, and culture. From local artifacts to rotating contemporary art exhibitions, the Massillon Museum provides a fascinating glimpse into the past while celebrating the creativity of the present.

Another key historical attraction is the Five Oaks Mansion, an elegant 1894 home that offers guided tours showcasing its exquisite architecture and historical significance. This mansion, once home to prominent local families, now serves as a testament to the opulence and grandeur of the late 19th century, providing visitors with a unique window into the lifestyles of that era.

Massillon’s downtown district is a charming area where history meets modernity. Stroll through the streets lined with historic buildings that now house trendy boutiques, cozy cafes, and vibrant art galleries. The Downtown Massillon Association actively promotes the revitalization of this area, ensuring it remains a bustling and attractive destination for both locals and tourists.

Nature enthusiasts will find plenty to enjoy in Massillon’s parks and outdoor spaces. The Towpath Trail, part of the Ohio and Erie Canalway, offers a scenic route for hikers, bikers, and runners. This trail, which follows the historic canal, provides a peaceful escape into nature, with opportunities to spot wildlife and enjoy the serene landscapes of northeastern Ohio.

Sippo Lake Park is another natural gem in Massillon, featuring a beautiful lake, walking trails, and picnic areas. The park also hosts the Exploration Gateway, a facility that includes the Stark County District Library and the Ohio & Erie Canalway Coalition offices. Here, visitors can learn about the natural and cultural history of the area while enjoying the park’s recreational amenities.

For sports enthusiasts, Massillon holds a special place in the heart of American football. The city is home to the Massillon Washington High School Tigers, one of the most storied high school football programs in the country. Paul Brown Tiger Stadium, named after the legendary football coach Paul Brown, is a must-visit for fans of the sport. The Massillon Tigers Museum, located within the stadium, chronicles the team’s illustrious history and showcases memorabilia from decades of football excellence.

Massillon’s cultural scene is vibrant and diverse, with numerous events and festivals that bring the community together. The Lincoln Theatre, a beautifully restored 1915 movie palace, hosts a variety of performances, including concerts, plays, and classic film screenings. This historic venue adds a touch of nostalgia and elegance to the city’s cultural offerings.

The city’s culinary scene is equally enticing, offering a range of dining options to suit all tastes. From family-owned diners serving comfort food to upscale restaurants offering gourmet cuisine, Massillon’s eateries cater to every palate. Local favorites like Kozmo’s Grille and the Massillon Family Restaurant provide delicious meals in welcoming atmospheres.

Education is a cornerstone of the Massillon community, with Massillon City Schools and several private schools providing excellent educational opportunities for the city’s youth. The nearby Stark State College offers higher education options, contributing to the intellectual and professional development of the region.

Massillon’s sense of community is evident in its numerous annual events and festivals. The Massillon Fun Fest, held every summer, is a family-friendly event featuring live music, food vendors, and activities for children. The city also hosts the Massillon Holiday Parade, a festive celebration that brings the community together to kick off the holiday season.

Beyond its prominent attractions, Massillon holds hidden gems and intriguing facts. Did you know that the city was once known as the “Wheat City” due to its significant role in wheat production during the 19th century? Additionally, the Massillon Public Library, founded in 1899, continues to serve as a hub of knowledge and learning for the community.

Massillon’s welcoming spirit is embodied by its residents, who take pride in their city’s heritage and work together to build a bright future. Whether you’re exploring its historical landmarks, enjoying its parks and trails, or participating in its vibrant cultural scene, Massillon offers a unique and enriching experience. Discover the charm and warmth of Massillon, Ohio, where every corner has a story to tell and every visit creates lasting memories.

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?

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?

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

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
Massillon, Ohio

Choosing the Right Mobile Home Insurance for
Massillon, Ohio

Weather & Environmental Risks:

Weather & Environmental Risks:

Description:

  • Earthquake Index: Massillon has an earthquake index of 0.02, which is well below the national average and indicates a very low risk of earthquake activity.
  • Implications: Earthquake-related risks are minimal, with little historical evidence of significant seismic events in the area.

Implications for Mobile Home & RV Owners:

  • Low Priority: While it’s always good to be prepared, the extremely low earthquake risk means that special precautions related to seismic activity are not necessary.

Description:

  • Volcano Index: Massillon has a volcano index of 0.0000, indicating no volcanic activity risk in the area.
  • Implications: There is no concern for volcanic eruptions, as the region is not affected by volcanoes.

Implications for Mobile Home & RV Owners:

  • No Special Measures: There is no need for volcanic hazard preparedness, allowing focus on other weather risks.

Description:

  • Tornado Index: Massillon has a tornado index of 146.63, which is slightly below the Ohio average but higher than the national average, showing a moderate risk of tornadoes.
  • Implications: The area experiences a notable risk of tornadoes, which can cause significant damage due to high winds and debris.

Implications for Mobile Home & RV Owners:

  • Wind Damage: Mobile homes and RVs are particularly vulnerable to tornadoes. Proper anchoring and seeking shelter in a more secure structure during tornado warnings is crucial.
  • Preparedness: Have a tornado safety plan and be aware of local warning systems to mitigate the impact of tornadoes.

Recommended Neighborhoods in Massillon, Ohio:

Recommended Neighborhoods in Massillon, Ohio:

  • Clinton East
  • Elms Acres / Moffitt Heights
  • Crystal Springs / Oak Ridge
  • Mayflower Village
  • Walnut Hills
  • Charity Rotch
  • Perry Heights
  • Massillon East
  • New England / Sippo Heights
  • Columbia / Lawndale

Crime Rates:

Crime Rates:

Massillon has a crime rate of 20 per 1,000 residents, which is notably higher than the national average but not among the highest rates in the country. The chance of becoming a victim of either violent or property crime in Massillon is 1 in 49. Compared to other communities in Ohio, Massillon has a crime rate higher than 86% of the state’s cities and towns.

  • Crime rate: 20 per 1,000 residents

  • Chance of becoming a crime victim: 1 in 49

  • Comparison to Ohio communities: Higher than 86% of Ohio cities and towns

Massillon experiences a higher rate of violent crime compared to many communities of all sizes in America. This rate includes serious offenses such as armed robbery, aggravated assault, rape, and murder. The chance of becoming a victim of violent crime in Massillon is 1 in 538, translating to a rate of 2 per 1,000 residents.

  • Violent crime rate: 2 per 1,000 residents

  • Chance of becoming a victim of violent crime: 1 in 538

Massillon’s property crime rate is 19 per 1,000 residents, indicating a higher-than-average chance of experiencing property crimes like motor vehicle theft, arson, larceny, and burglary. Your chance of becoming a victim of any of these property crimes in Massillon is 1 in 54.

  • Property crime rate: 19 per 1,000 residents

  • Chance of becoming a victim of property crime: 1 in 54

6 INSURANCE OPTIONS:

6 INSURANCE OPTIONS:

Use Dehumidifiers

Use dehumidifiers in humid months to prevent mold growth. Enhances indoor air quality and health.

Install Water Leak Detectors

Place water leak detectors near water sources. Early detection prevents extensive water damage.

Know the Local Resources

Familiarize yourself with local resources like shelters, food banks, and community centers. Provides support and assistance during emergencies or difficult times.

Bundle Insurance Policies

Consider bundling your insurance with other policies for discounts. Saves money on premiums.

Review Policy Annually

Review your insurance policy annually for necessary updates. Keeps your coverage adequate as needs change.

Report Improvements

Inform your insurer of any major improvements to your home. May increase the value and need for higher coverage.

Keep This In Mind:

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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Are you in Massillon, Ohio, looking for mobile home insurance

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?

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:

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.

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):

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:

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:

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

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
Massillon, Ohio.

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

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

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

What Additional Services Can You Get Covered?

What Additional Services Can You Get Covered?

  • Trees, Shrubs, Plants and Lawns
  • Additional Living Expenses
  • Debris Removal
  • Emergency Removal Service and Emergency Repair After a Loss
  • Credit Card and Check Forgery
  • Fire Department Service
  • Food Spoilage Coverage
  • Personal Injury Protection Coverage
  • Locksmith Coverage
  • Golf Cart Coverage

References:

References:

Texas

Michigan

New Mexico

Alabama

Georgia

South Carolina

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