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

Welcome to Preble County, Ohio – a region where the beauty of rural landscapes meets a deep sense of history and community. Nestled in the southwestern corner of the state, Preble County is a place where the pace of life is a little slower, the air a little fresher, and the connections between people a little stronger. Whether you’re exploring its charming small towns or enjoying the natural beauty of the countryside, Preble County offers a warm and welcoming experience that’s quintessentially Midwestern.

Preble County’s history is rich and varied, with roots that stretch back to the early 19th century. One of the county’s most iconic landmarks is the Roberts Covered Bridge in Eaton, believed to be the oldest covered bridge in Ohio. Built in 1829, this historic structure is a beloved symbol of the county’s heritage and a popular spot for both locals and visitors looking to connect with the past.

Another key historical site is the Preble County Historical Society’s Heritage Center, where visitors can explore exhibits that showcase the region’s agricultural history, early settlements, and the lives of the people who helped shape the county. The center also hosts events throughout the year, offering a glimpse into the traditions and stories that define Preble County.

For nature enthusiasts, Preble County is a haven of outdoor beauty. The county is home to several parks and nature reserves, including Hueston Woods State Park, which offers a wide range of activities such as hiking, fishing, boating, and camping. The park’s lush forests and tranquil lakes provide a perfect backdrop for relaxation and adventure, making it a favorite destination for families and outdoor lovers.

Preble County is also home to some lesser-known facts and quirky attractions that add to its unique charm. For instance, the village of West Alexandria is known for its annual Oktoberfest celebration, which, despite the village’s small size, draws visitors from all over the region to enjoy traditional German food, music, and festivities.

Another interesting tidbit is Preble County’s connection to the Underground Railroad. Several sites in the county, particularly in the town of New Paris, served as stops on this secret network that helped enslaved people escape to freedom. Local historians have preserved these stories, and while not widely known, they form an important part of the county’s historical fabric.

In addition, Preble County’s rural setting makes it a prime location for stargazing. The lack of light pollution in many areas of the county provides a clear, unobstructed view of the night sky, making it a perfect spot for amateur astronomers and anyone who enjoys a peaceful night under the stars.

Preble County, Ohio, is a place where the past and present come together to create a community that’s rich in history, culture, and natural beauty. Whether you’re exploring its historical landmarks, enjoying the tranquility of its parks, or discovering its hidden gems, Preble County invites you to experience all that makes it a special place to live, work, and visit. Come and discover the heart of rural Ohio—a place where tradition, community, and nature come together to create a truly unique and welcoming environment.

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
Preble County, Ohio

Weather & Environmental Risks:

Description: Preble County is highly susceptible to tornadoes and severe storms, especially during the spring and summer. These storms can bring intense winds, heavy rainfall, and hail.

Why It’s a Risk: Mobile homes are particularly vulnerable to tornadoes due to their lighter construction and potential for being overturned or damaged by high winds. Residents in mobile homes are significantly more at risk of injury or death during tornadoes compared to those in permanent structures.

Implications/Tips: Ensure that your mobile home is properly anchored and have an emergency plan that includes knowing the location of the nearest storm shelter. Regularly check weather alerts and take immediate action when severe weather is predicted.

Description: Flooding can occur in Preble County, particularly during heavy rainstorms or rapid snowmelt. Low-lying areas are especially prone to this hazard.

Why It’s a Risk: Mobile homes are at risk of significant damage from floodwaters, which can undermine the foundation, cause structural issues, and lead to mold growth.

Implications/Tips: Consider elevating your mobile home and ensuring proper drainage around your property. Having flood insurance and a well-practiced evacuation plan is essential.

Description: Winter storms in Preble County can bring heavy snow, ice, and freezing temperatures, creating dangerous conditions.

Why It’s a Risk: Mobile homes are more vulnerable to the cold due to their less robust insulation, which can lead to frozen pipes, roof damage from heavy snow, and high heating costs.

Implications/Tips: Insulate your home properly, protect pipes from freezing, and ensure your heating system is reliable. Regular snow removal from roofs is also necessary to prevent collapse.

Taking proactive measures can help mitigate the risks posed by these weather hazards in Preble County, ensuring greater safety and protection for residents living in mobile and manufactured homes.

Recommended Neighborhoods in Preble County, Ohio:

Eaton
West Alexandria
Lewisburg
Camden
New Paris

Crime Rates:

Preble County experiences a moderate rate of property crime, which is lower than the national average. Here are the key data points:

Property crime rate: 14.31 per 1,000 residents
Types of property crimes:
- Theft: 8.964 per 1,000 residents
- Vehicle theft: 1.392 per 1,000 residents
- Burglary: 3.871 per 1,000 residents
- Arson: 0.0856 per 1,000 residents
Safety percentile: Preble County is safer than 78% of U.S. counties regarding property crimes.

This data suggests that while property crimes like theft and burglary are present in Preble County, the overall risk is lower than in many other parts of the country.

Violent crime in Preble County is higher than the average for U.S. counties, although still relatively moderate. Important statistics include:

Violent crime rate: 2.386 per 1,000 residents
Types of violent crimes:
- Assault: 1.569 per 1,000 residents
- Robbery: 0.366 per 1,000 residents
- Rape: 0.4308 per 1,000 residents
- Murder: 0.0203 per 1,000 residents

These figures indicate that while violent crimes occur, they are less frequent than property crimes, but still above the average for many U.S. counties.

Preble County’s overall crime rate is moderate when compared to other counties in the U.S., reflecting a balanced mix of property and violent crimes. Here’s a summary:

Overall crime rate: 22.74 per 1,000 residents
Comparison: Preble County is in the 78th percentile for overall safety, meaning it is safer than 78% of U.S. counties
Crime distribution: Central parts of the county experience higher crime rates, while the southeast areas are considered safer.

Overall, Preble County is a relatively safe place to live, with property crimes being more common than violent crimes. While it has a slightly elevated violent crime rate, the county is still safer than many others across the nation.

6 INSURANCE OPTIONS:

Check for Proper Insulation

Ensure the home is well-insulated to handle extreme temperatures. Improves energy efficiency and comfort.

Understand Zoning Laws

Check local zoning laws and regulations regarding mobile homes. Ensures compliance and avoids legal issues.

Consider the Foundation Type

Choose between a permanent or non-permanent foundation based on your needs. Affects stability and insurance requirements.

Review Community Rules

If purchasing in a mobile home park, review the community rules and regulations. Ensures you are comfortable with the community standards and restrictions.

Check Resale Value

Investigate the resale value of the home. Important for future financial planning.

Assess the Build Quality

Evaluate the quality of materials and construction used in the home. Ensures longevity and durability.

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
Preble County, Ohio.

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

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

6 options for types of localized coverages:

1. Flood and Water Damage Protection

Twin Creek and Four Mile Creek Flooding Coverage: Preble County’s proximity to Twin Creek, Four Mile Creek, and other waterways increases the risk of flooding, especially during heavy rains. This rider provides enhanced coverage for damage caused by creek flooding, ensuring protection for both structural components and personal property.
Flash Flood and Surface Water Protection: The rural landscape of Preble County can lead to flash floods during intense storms. This coverage offers protection against water damage from sudden floods, especially in low-lying areas and farmlands.

2. Tornado and Severe Storm Coverage

Tornado Endorsement: Preble County, like much of Ohio, is susceptible to tornadoes. This endorsement ensures comprehensive protection against tornado-related damages, covering both structural damage and loss of personal property.
Windstorm and Hail Protection: Severe thunderstorms with strong winds and hail are common in the region. This coverage provides protection against damage to roofs, windows, and siding caused by these weather events, ensuring the home remains secure during storms.

3. Rural Crime and Security Enhancements

Theft and Vandalism Coverage: While Preble County is largely rural, certain areas may still experience theft or vandalism. This rider offers enhanced coverage against these incidents, including repairs for break-ins and replacement of stolen items, which is especially valuable in less populated areas.
Home Security System Discount: Offers premium discounts for homeowners who install security systems such as alarms, cameras, and smart locks. This incentivizes the adoption of security measures to reduce the risk of burglary and vandalism.

4. Rural and Agricultural Property Protection

Farm Equipment and Outbuilding Coverage: Preble County has a strong agricultural presence, with many properties including farm equipment and outbuildings like barns and sheds. This coverage protects these valuable assets against damage from storms, fire, or theft.
Crop and Livestock Liability Insurance: For homeowners engaged in small-scale farming or livestock raising, this coverage addresses liabilities related to crop damage or injuries caused by animals, protecting against the specific risks associated with rural living.

5. Fire and Wildfire Protection

Fire and Wildfire Endorsement: While Preble County is not in a high-risk wildfire zone, the rural and wooded areas can still pose a fire risk, particularly during dry seasons. This rider offers protection against fire-related damages, including coverage for homes, outbuildings, and landscaping.
Fire Department Service Charge Coverage: Covers costs associated with fire department services that might not be fully covered under a standard policy, providing extra financial protection during fire emergencies.

6. Liability and Personal Property Protection

Enhanced Liability Coverage: Provides higher liability limits to cover accidents or injuries that occur on your property, which is particularly valuable for homeowners who frequently entertain guests or have children playing on the property.
Personal Property Replacement Cost Coverage: Ensures that personal belongings are replaced at their full value rather than a depreciated amount. This is especially important for homeowners who may have invested in valuable electronics, appliances, or other high-ticket items.