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.
Welcome to New Paris, Ohio – a small town with a big heart, where the charm of rural living meets the warmth of a close-knit community. Nestled in the rolling hills of Preble County, New Paris offers a peaceful retreat from the hustle and bustle of city life, inviting you to experience the simple pleasures and rich traditions that define this friendly village.
New Paris is a town steeped in history, with roots that date back to the early 19th century. The town’s historical significance is preserved in its well-maintained buildings and landmarks that echo the stories of the past. Strolling through the streets of New Paris, you’ll find a blend of historic homes and charming storefronts that evoke a sense of nostalgia, making it easy to imagine life as it was in a simpler time.
Nature lovers will find plenty to enjoy in and around New Paris. The village is surrounded by picturesque countryside, offering scenic views and opportunities for outdoor activities. Whether you’re hiking through the nearby trails, exploring the local parks, or simply enjoying the serene beauty of the landscape, New Paris provides a perfect setting for those who appreciate the great outdoors.
One of the town’s most beloved attractions is the natural spring that gave New Paris its name. Historically known for its pure, fresh water, the spring was a central gathering spot for early settlers and continues to be a symbol of the town’s natural beauty and community spirit. Today, the spring and surrounding area are popular spots for relaxation and reflection.
New Paris may be small, but it’s a town that knows how to come together. The community spirit is strong, with events and gatherings that bring residents and visitors alike to celebrate the town’s unique character. From local fairs to community picnics, there’s always something happening in New Paris that fosters a sense of belonging and togetherness.
For those seeking a slower pace of life, New Paris offers the perfect blend of rural tranquility and neighborly warmth. It’s a place where people take the time to know each other, where traditions are cherished, and where the simple joys of small-town living are celebrated every day.
New Paris, Ohio, may be off the beaten path, but it’s a place where you’ll find a warm welcome and a deep sense of community. Whether you’re visiting for a day or looking for a place to call home, New Paris invites you to discover the beauty and simplicity of life in this charming village. Come and experience a town where the past is honored, the present is cherished, and the future is embraced with open arms.
To discover the best mobile home insurance and identify the right provider for your needs in Ohio, follow these straightforward steps:
While not legally required, mobile home insurance is essential in Ohio - here’s why:
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.
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!
Description: New Paris, Ohio, is at risk for tornadoes and severe thunderstorms, particularly during the spring and summer months. These storms can bring powerful winds, heavy rain, and even hail, creating significant threats to all types of structures, especially mobile and manufactured homes.
Why It’s a Risk: Mobile homes are particularly vulnerable to the high winds and debris associated with tornadoes and severe thunderstorms. Without proper anchoring, these homes can be overturned or severely damaged, leading to high risks for occupants.
Implications/Tips: Residents should ensure their homes are securely anchored and meet modern safety standards to withstand severe weather. It is also vital to have an emergency plan, including knowing the nearest storm shelter. Regular maintenance of roofs and windows can help reduce damage from high winds and flying debris. Staying informed through weather alerts and being prepared to act quickly can significantly reduce risks during severe storms.
Description: New Paris can experience flooding, especially during periods of heavy rain or when nearby water bodies overflow. Flooding can happen suddenly and cause significant damage to homes, particularly those located in low-lying areas.
Why It’s a Risk: Mobile and manufactured homes are especially vulnerable to flooding due to their lower elevation and potentially inadequate flood defenses. Floodwaters can cause structural damage, lead to mold growth, and make homes uninhabitable.
Implications/Tips: To mitigate flood risks, residents should consider elevating their homes or ensuring that they are located in areas with adequate drainage. Installing flood barriers and having a sump pump can also help protect homes from water damage. It’s also important to have flood insurance and an emergency evacuation plan in case of severe flooding.
Description: During the summer, New Paris can experience periods of extreme heat, which can lead to heatwaves. These high temperatures pose health risks, especially for the elderly, young children, and those with pre-existing health conditions.
Why It’s a Risk: Mobile and manufactured homes may not be as well-insulated as traditional homes, making them more susceptible to rising indoor temperatures during extreme heat. This can lead to dangerous living conditions, including heat exhaustion or heat stroke.
Implications/Tips: To combat extreme heat, it is essential to ensure that mobile homes have adequate cooling systems, such as air conditioning. Insulating the home and using reflective window coverings can help keep indoor temperatures down. Staying hydrated and avoiding strenuous activities during peak heat hours can also prevent heat-related health issues.
These weather hazards underscore the importance of preparation and proactive maintenance for those living in mobile and manufactured homes in New Paris, Ohio. By taking steps to reinforce their homes and prepare for extreme weather, residents can better protect themselves and their property from the impacts of these events.
Property crime is also notably lower in New Paris compared to the state and national figures. Key data points include:
Similar to violent crime, specific property crimes such as burglary, theft, and vehicle theft are not individually reported, but the overall estimate reflects a safer environment relative to broader averages.
Violent crime in New Paris is significantly lower than both state and national averages. Key data points include:
Specific types of violent crimes such as murder, rape, robbery, and assault are not individually reported for New Paris, indicating that the estimated violent crime rate is based on general trends and demographics.
New Paris, Ohio, is a small community with crime rates that are estimated rather than directly reported by the FBI’s Uniform Crime Reporting (UCR) program. Since New Paris does not contribute data to the FBI, the crime rates are based on estimates derived from various demographic and socioeconomic factors. These estimates indicate that New Paris has a lower crime rate compared to national averages.
Invest in energy-efficient upgrades like LED lighting and energy-saving appliances. Reduces utility bills and improves comfort.
Have an emergency plan in place for evacuations or severe weather. Ensures family safety and readiness.
Design your landscaping to direct water away from your home and reduce fire risk. Protects your home from environmental hazards.
Ensure skirting and vents are secure and in good condition. Improves insulation and prevents pest entry.
Use a security system to protect your home. Deters theft and provides peace of mind.
Implement regular pest control measures. Prevents damage and health issues.
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.
Mobile and Manufactured Home Insurance Statistics in Ohio:
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.
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.
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
Siting and Zoning
Industry and Market Data
Construction and Safety Standards
Amenities and Upgrades
Financing
Industry Regulation and Advocacy
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.
Insurance for mobile or manufactured homes provides coverage for more than just the home itself. It also includes:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand xxx’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!
