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 Parma, Ohio – a vibrant suburban city just south of Cleveland, where community spirit meets rich cultural heritage. As the largest suburb of Cleveland and the seventh-largest city in Ohio, Parma is known for its strong neighborhoods, well-maintained parks, and a rich tapestry of cultural influences, making it a welcoming and dynamic place to live and visit.
Parma’s history dates back to the early 19th century, when it was first settled by European immigrants. The city has grown steadily since then, evolving from a small farming community into a bustling suburb. Ukrainian Village is a testament to Parma’s diverse cultural roots, celebrating the Ukrainian community that has been a vital part of the city’s identity. The village is a vibrant area filled with Ukrainian churches, shops, and restaurants, offering residents and visitors a glimpse into the city’s rich cultural heritage.
The city is also known for its commitment to green spaces and recreational activities. The West Creek Reservation, part of the Cleveland Metroparks system, is a beautiful natural area offering hiking trails, wildlife viewing, and educational programs. The James Day Park, also known as Nike Park, is another popular spot, featuring sports facilities, picnic areas, and a public pool, providing a perfect place for families and community gatherings.
Parma is home to several unique and interesting facts. For instance, the city is known for its iconic pink flamingos. What started as a prank by local high school students in the 1970s—placing plastic pink flamingos in the yards of unsuspecting residents—has since become a beloved symbol of the city, representing Parma’s quirky sense of humor and community spirit. The annual Parma Rib ‘N Rock festival is another highlight, drawing crowds with its mouth-watering barbecue, live music, and a festive atmosphere that brings the community together.
Parma is also the proud birthplace of Kielbasa Kid, a local character known for his love of Polish sausage and his appearances at community events, further emphasizing the city’s celebration of its Eastern European roots. Additionally, Parma has a historical connection to the film industry, with parts of the 1983 classic movie “A Christmas Story” being filmed in the area, adding a touch of cinematic nostalgia to the city’s charm.
Parma, Ohio, is a city where tradition and modernity coexist, offering a rich cultural experience, beautiful parks, and a strong sense of community. Whether you’re exploring the cultural landmarks of Ukrainian Village, enjoying a day in one of the many parks, or participating in a local festival, Parma invites you to discover the warmth and diversity that make it a special place to live, work, and visit. Come and experience the heart of suburban Cleveland—a place where community, culture, and history come together to create a welcoming environment for all.
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: Parma is frequently impacted by severe thunderstorms, particularly during the summer months. These storms can bring high winds, heavy rain, and hail, which have recently caused significant damage in the area.
Why It’s a Risk: High winds can severely damage mobile homes, including potential roof damage and overturned structures. Recent storms left many areas without power, illustrating the vulnerability of mobile homes.
Implications/Tips: Ensure your mobile home is securely anchored and maintain clear communication with local authorities for updates during storms. Regular maintenance of your home’s exterior can help minimize damage.
Description: Power outages are a common consequence of severe weather in Parma, often lasting for days, as was the case during a recent storm that left many without electricity for nearly a week.
Why It’s a Risk: Extended power outages can make mobile homes uninhabitable, especially for those dependent on electric heating or medical equipment.
Implications/Tips: Consider having a backup power source, like a generator, and stock up on essentials such as food and water before storms hit. Staying informed about power restoration efforts is crucial.
Description: Heavy rains can lead to flash flooding, particularly in low-lying areas of Parma. Flooding can occur suddenly during or after storms, posing significant risks to mobile homes.
Why It’s a Risk: Floodwater can cause severe structural damage to mobile homes, particularly if they are not elevated or protected against water ingress.
Implications/Tips: Elevate your home if located in a flood-prone area and ensure proper drainage around the property. Having flood insurance is vital, along with a clear evacuation plan in case of severe flooding.
Parma experiences a relatively low rate of property crime, contributing to its overall safety. Here are the key data points:
These statistics suggest that property crime in Parma is about average compared to other cities and towns in America, making it a relatively safe community for residents when it comes to theft-related crimes.
Violent crime in Parma is quite low, contributing to the city’s overall reputation as a safe place to live. Important data points include:
These figures highlight that violent crime is not a significant concern in Parma, with rates that are roughly in line with the national average.
Parma’s overall crime rate is relatively low compared to many other communities, making it one of the safer cities of its size in America. Here’s an overview:
These insights suggest that Parma is a safe community with a low overall crime rate, particularly when compared to other cities of similar size across the United States. This makes Parma an attractive place to live for those seeking a secure environment.
Keep an inventory of your personal belongings with photos and receipts. Facilitates smoother insurance claims.
Be aware of how depreciation affects your insurance claims. Helps in understanding the actual payout you might receive.
Use a security system to protect your home. Deters theft and provides peace of mind.
Ensure your policy covers the replacement cost of your home. Ensures you can rebuild or replace your home if it’s completely destroyed.
Consider bundling your insurance with other policies for discounts. Saves money on premiums.
Review your insurance policy annually for necessary updates. Keeps your coverage adequate as needs change.
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 Parma’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!
