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 Springfield, Ohio – a city where history and innovation come together to create a vibrant and welcoming community. Situated in the heart of Clark County, Springfield is known as the “Champion City,” a nod to its industrial heritage and the spirit of perseverance that has defined it for over a century. From its historic downtown to its scenic parks, Springfield offers a unique blend of small-town charm and urban vitality that invites you to explore and experience all that this city has to offer.
Springfield’s historical significance is deeply rooted in its industrial past. In the late 19th and early 20th centuries, Springfield was a leading hub for manufacturing and innovation. The city was once home to The Champion Company, a major manufacturer of agricultural equipment, which played a crucial role in shaping the city’s identity. This legacy of industry is still visible today in Springfield’s historic architecture and cultural landmarks.
One of Springfield’s most notable attractions is the Westcott House, designed by the legendary architect Frank Lloyd Wright. This beautifully restored Prairie Style home offers visitors a unique opportunity to explore Wright’s architectural genius and to appreciate the city’s commitment to preserving its historical treasures. The house is a testament to Springfield’s rich cultural heritage and serves as a symbol of the city’s enduring connection to art and design.
Beyond its historical landmarks, Springfield is also a city that embraces the beauty of the outdoors. The city is home to several parks and natural areas, including Buck Creek State Park, where residents and visitors can enjoy hiking, fishing, and boating. The Springfield Museum of Art further enriches the community, offering a diverse collection of works that reflect both local talent and broader artistic movements.
Springfield’s community spirit shines through in its many festivals and events. The Clark County Fair, held annually, is a beloved tradition that brings together people from all walks of life to celebrate the area’s agricultural heritage. The city’s downtown district is also a hub of activity, with a variety of shops, restaurants, and cultural attractions that reflect the city’s diverse and welcoming character.
Springfield is home to some fascinating and lesser-known facts that add to its unique charm. For instance, the city played a significant role in the development of early aviation, with The Wright Brothers conducting test flights near Springfield. Additionally, Springfield was once known as the “City of Roses,” due to its thriving nursery industry that supplied roses to cities across the country. This lesser-known title highlights the city’s historical connection to horticulture and its legacy of growth and innovation.
Springfield, Ohio, is a city where the past and present come together to create a community that is 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, Springfield invites you to experience all that makes it a special place to live, work, and visit. Come and discover the heart of Clark County—a place where tradition and innovation coexist harmoniously, creating a truly unique and welcoming environment.
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: Springfield, Ohio, is prone to severe thunderstorms and tornadoes, especially during the spring and summer months. These weather events can bring powerful winds, heavy rain, and sometimes hail, all of which can be highly destructive to mobile and manufactured homes.
Why It’s a Risk: Mobile homes are particularly vulnerable to tornadoes due to their lighter construction and susceptibility to high winds. A recent EF2 tornado in Springfield demonstrated the severe damage that such storms can cause, including the destruction of roofs and the overturning of homes. Even well-anchored mobile homes are at a higher risk compared to permanent structures.
Implications/Tips: Residents should ensure that their mobile homes are securely anchored and consider installing additional tie-downs to improve stability. It is essential to have a storm safety plan that includes knowing the nearest sturdy shelter or storm cellar. Regularly monitoring weather alerts can also provide crucial time to take shelter before a storm hits.
Description: Springfield faces harsh winter weather, including heavy snowfall, ice storms, and frigid temperatures. These conditions can last for several months, typically from late fall through early spring.
Why It’s a Risk: The less robust insulation of mobile homes compared to traditional homes makes them more susceptible to the cold. Heavy snow can cause roof damage or collapse, while freezing temperatures can lead to frozen pipes and increased heating costs.
Implications/Tips: To prepare for winter, residents should improve the insulation of their homes and ensure that heating systems are in good working order. It’s also important to protect pipes from freezing and to clear snow from roofs to prevent structural damage.
Description: Springfield can experience flooding, particularly during heavy rainstorms or rapid snowmelt. Low-lying areas are especially prone to flash flooding.
Why It’s a Risk: Mobile homes are vulnerable to flood damage due to their lower elevation and the potential for water to quickly infiltrate the structure. Flooding can cause extensive structural damage and create mold and mildew problems that can make homes uninhabitable.
Implications/Tips: Consider elevating your mobile home if it is in a flood-prone area and ensure proper drainage around the property. It’s also important to have flood insurance and an emergency evacuation plan ready in case of severe flooding.
Taking these precautions can help mitigate the risks posed by these weather hazards, ensuring greater safety for residents of mobile and manufactured homes in Springfield, Ohio.
Springfield has a very high rate of property crime, contributing significantly to its overall crime rate. Key data points include:
These figures show that property crime is a major concern in Springfield, with a particularly high risk of burglary and theft compared to other communities.
Violent crime in Springfield is also alarmingly high, placing it among the more dangerous cities in the United States. Important data points include:
These statistics highlight the significant threat of violent crime in Springfield, contributing heavily to the city’s overall crime rate.
Springfield ranks as one of the most dangerous cities in America, with an overall crime rate that far exceeds the averages for most other communities. Here’s an overview:
These insights paint a picture of Springfield as a city with significant safety challenges, with both violent and property crimes occurring at rates well above national and state averages.
Opt for comprehensive mobile home insurance that covers various risks. Provides peace of mind and financial protection.
Know what is excluded from your insurance policy. Avoids surprises during claim times.
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.
Inform your insurer of any major improvements to your home.
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 Springfield’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!
