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Protect Your Manufactured Home in Wadsworth, Ohio

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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 Wadsworth, OH : Costs, Coverage, and Considerations

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

Welcome to Wadsworth, Ohio – a charming city where history meets modernity in perfect harmony. Nestled in Medina County, this vibrant community beckons with a rich tapestry of past and present, inviting you to explore its many facets and uncover the hidden gems that make it truly unique.

Wadsworth’s history dates back to 1814 when it was founded by Elijah Wadsworth, a prominent figure in the early settlement of the Western Reserve. Over the years, the city grew and evolved, shaped by the industrious spirit of its residents. The arrival of the Ohio and Erie Canal in the 19th century spurred economic growth, transforming Wadsworth into a bustling hub of commerce and industry. Today, the city’s historic downtown stands as a testament to this rich heritage, with well-preserved buildings and landmarks that offer a glimpse into its storied past.

One of the city’s crown jewels is the Wadsworth Public Library, a cornerstone of the community since its establishment in 1875. This beautiful, historic building not only houses a vast collection of books and resources but also serves as a cultural and educational hub, hosting a variety of events and programs for all ages. Another notable landmark is the Blue Tip Festival, an annual celebration that pays homage to Wadsworth’s match-making history. This week-long event features a parade, carnival rides, live entertainment, and the iconic lighting of the blue tip match, drawing visitors from near and far.

Nature enthusiasts will find plenty to love in Wadsworth as well. The city’s parks and green spaces offer a serene escape from the hustle and bustle of daily life. Memorial Park, with its picturesque walking trails, sports facilities, and picnic areas, is a favorite spot for families and outdoor lovers. For a more immersive experience, the nearby Silver Creek Metro Park offers hiking, fishing, and bird-watching opportunities amidst lush, scenic landscapes.

When it comes to dining, Wadsworth boasts a diverse culinary scene that caters to every palate. From cozy cafes and family-owned diners to upscale restaurants and trendy bistros, there’s something to satisfy every craving. Local favorites like Ann’s Pastry Shop, known for its delicious baked goods, and Marie’s Pizza, a beloved institution serving mouthwatering pies for over 60 years, are must-visit spots.

Beyond its historical and natural attractions, Wadsworth is home to a thriving arts and culture scene. The Wadsworth Symphony Orchestra, comprised of talented local musicians, offers a series of concerts throughout the year, showcasing a wide range of classical and contemporary compositions. The Wadsworth Center for the Performing Arts hosts theatrical productions, dance performances, and other cultural events, enriching the community’s cultural fabric.

Wadsworth is also known for its strong sense of community and volunteerism. The Wadsworth Community Foundation, a nonprofit organization, plays a vital role in supporting local initiatives and enhancing the quality of life for residents. From scholarships and grants to community projects and events, the foundation’s efforts reflect the city’s commitment to fostering a vibrant, inclusive community.

Obscure facts add an extra layer of intrigue to Wadsworth’s charm. Did you know that the city was once home to one of the largest match factories in the world? The Ohio Match Company, established in 1895, produced millions of matches daily, earning Wadsworth the nickname “Match Capital of the World.” Additionally, the city has a unique connection to aviation history, with the Wadsworth Municipal Airport serving as a training ground for World War II pilots.

Whether you’re drawn by its rich history, natural beauty, vibrant arts scene, or strong community spirit, Wadsworth, Ohio, offers a delightful blend of experiences that will leave you enchanted. Come explore this charming city and discover the many reasons why Wadsworth is a place where the past and present coexist in perfect harmony.

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
Wadsworth, Ohio

Choosing the Right Mobile Home Insurance for
Wadsworth, Ohio

Weather & Environmental Risks:

Weather & Environmental Risks:

Description:

  • Tornado Index: Wadsworth has a tornado index of 156.03, which is slightly higher than the Ohio average (156.02) and significantly above the national average (136.45). This indicates a relatively high risk of tornadoes.
  • Implications: Tornadoes can bring severe damage through high winds and flying debris.

Implications for Mobile Home & RV Owners:

  • Wind Damage: Mobile homes and RVs are particularly susceptible to damage from high winds associated with tornadoes. Ensure proper anchoring and have a tornado safety plan.
  • Emergency Shelter: Identify nearby secure buildings for shelter during tornado warnings and stay informed about local weather alerts.

Description:

  • Flood Events: Wadsworth has experienced 599 recorded flood events within 50 miles, indicating a significant risk of flooding.
  • Implications: Flooding can occur from heavy rains, storms, or rapid snowmelt, leading to damage and disruption.

Implications for Mobile Home & RV Owners:

  • Water Damage: Flooding can cause severe damage to the structure and contents of mobile homes and RVs. Elevate structures and ensure they are securely anchored.
  • Evacuation Plans: Have a clear evacuation plan and be prepared to move quickly in case of severe flooding. Keep an emergency kit with essential supplies ready.

Description:

  • Thunderstorm Winds: Wadsworth has recorded 2,843 instances of thunderstorm winds, indicating a frequent occurrence of thunderstorms that bring strong winds and heavy rainfall.
  • Implications: Thunderstorms can lead to power outages, property damage, and flash flooding.

Implications for Mobile Home & RV Owners:

  • Wind Damage: Secure outdoor items and ensure your mobile home or RV is well anchored to withstand strong winds. Prepare for potential power outages by having emergency supplies and backup power sources.
  • Lightning Strikes: Be aware of the risks of lightning strikes and take precautions such as avoiding the use of electrical appliances during storms and staying indoors.

Recommended Neighborhoods in Wardsworth, Ohio:

Recommended Neighborhoods in Wardsworth, Ohio:

  • City Center
  • Clark Corners
  • Wadsworth East
  • Wadsworth South

Crime Rates:

Crime Rates:

Wadsworth has a relatively low property crime rate compared to many other communities, making it safer in this aspect.

  • Property Crime Rate: 10 per one thousand residents
  • Chance of Becoming a Victim: 1 in 100
  • Types of Property Crimes: Includes burglary, larceny (over $50), grand theft auto, and arson

This rate indicates that property crime is less of a concern in Wadsworth than in many other cities of similar size.

Violent crime in Wadsworth is also relatively low, aligning closely with the national average for communities of all sizes.

  • Violent Crime Rate: 2 per one thousand residents
  • Chance of Becoming a Victim: 1 in 663
  • Types of Violent Crimes: Includes armed robbery, aggravated assault, rape (excluding statutory), and murder

The low violent crime rate further underscores Wadsworth’s safety in this category compared to other places.

Wadsworth’s overall crime rate is quite average when compared to cities and towns of all sizes in America.

  • Overall Crime Rate: 11 per one thousand residents
  • Chance of Becoming a Victim: 1 in 87
  • Comparison to Ohio: Lower than approximately 31% of Ohio communities
  • Comparison to Similar Population Cities: Notably lower than average

Wadsworth’s crime rates indicate that it is a relatively safe community, particularly when compared to other cities of similar population size.

6 INSURANCE OPTIONS:

6 INSURANCE OPTIONS:

Install Weather Alerts System

Ensure you have a reliable weather alert system to stay informed about severe weather conditions. This is crucial for timely evacuations or taking necessary precautions.

Regular Roof Inspections

Inspect your roof regularly for any damage or wear and tear. Prevents leaks and structural damage during heavy rains or hailstorms.

Anchor Your Home

Ensure your mobile home is securely anchored to prevent it from being uprooted during high winds or floods. Enhances stability and safety during severe weather events.

Elevate Your Home

Consider elevating your home if you live in a flood-prone area. Reduces risk of flood damage to your property.

Install Storm Shutters

Use storm shutters to protect windows from debris during storms. Helps prevent glass breakage and injury.

Maintain Proper Drainage

Ensure that the area around your home has good drainage to avoid water accumulation. Prevents water damage and reduces flood risk.

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 Wadsworth, GA, 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
Wadsworth, Ohio.

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Wadsworth’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!

Finding the Best Mobile Home Insurance in
Wadsworth, Ohio.

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

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

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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