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

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

Welcome to Warren, Ohio, a city where history and modernity blend to create a unique and vibrant community. Nestled in northeastern Ohio, Warren offers a rich tapestry of historical landmarks, cultural attractions, and a warm, inviting atmosphere that makes it a standout destination for both residents and visitors.

Warren’s history dates back to its founding in 1805, and the city has long played a pivotal role in the region’s industrial and commercial development. As a prominent center of industry, particularly in the steel and automotive sectors, Warren’s heritage is reflected in its historic buildings and landmarks. The Trumbull County Historical Society Museum, housed in a beautifully preserved 19th-century mansion, offers a comprehensive look at the city’s past through an extensive collection of artifacts, documents, and exhibits.

One of Warren’s most notable historical landmarks is the Warren City Hall, an architectural treasure that showcases the city’s growth and development throughout the years. The building’s classic design and historical significance make it a focal point of the city’s heritage. Another important site is the Packard Music Hall, named after the renowned Packard family, which played a significant role in Warren’s industrial history. The hall continues to serve as a venue for performances and community events, maintaining its connection to the city’s cultural life.

Culturally, Warren is vibrant and diverse, with numerous opportunities to engage with the arts and local heritage. The Warren Community Amphitheatre hosts a variety of events throughout the year, including concerts, festivals, and theatrical performances. The city’s cultural scene is further enriched by the fine arts gallery at the Warren Arts Center, which features rotating exhibitions of local and regional artists.

Nature lovers and outdoor enthusiasts will find plenty to explore in Warren’s parks and recreational areas. The scenic Perkins Park offers walking trails, sports facilities, and beautiful green spaces for picnicking and relaxation. The nearby Mosquito Lake State Park provides additional outdoor opportunities, including fishing, boating, and hiking, making it a popular destination for those looking to enjoy the natural beauty of the area.

Education and community involvement are integral to Warren’s identity. The Warren City Schools and several local educational institutions are committed to academic excellence and community engagement. The city’s public libraries and community centers offer valuable resources and programs that support lifelong learning and cultural enrichment.

Warren’s local businesses and dining options contribute to its charm, with a mix of boutique shops, restaurants, and cafes that cater to a variety of tastes. The downtown area, with its historic architecture and vibrant atmosphere, features a range of culinary delights, from casual eateries to fine dining establishments.

Community spirit is a hallmark of Warren, evident in its annual events and festivals that bring residents together. The Warren Italian-American Festival, a beloved local tradition, celebrates the city’s Italian heritage with food, music, and cultural activities. The annual Warren Christmas Parade and the Trumbull County Fair also highlight the city’s festive spirit and sense of community.

In Warren, Ohio, history, culture, and community come together to create a welcoming and dynamic environment. Whether exploring its historical landmarks, enjoying its cultural attractions, or participating in its vibrant community events, Warren offers a unique experience that reflects both its rich past and its thriving present.

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
Warren, Ohio

Choosing the Right Mobile Home Insurance for
Warren, Ohio

Weather & Environmental Risks:

Weather & Environmental Risks:

Description of Earthquake Risk:

  • Warren, OH has an earthquake index value of 0.02, which is significantly lower than both the Ohio average of 0.16 and the U.S. average of 1.81. This indicates a very low likelihood of significant seismic activity in the area.

Data Points:

  • Earthquake Index for Warren: 0.02
  • Earthquake Index for Ohio: 0.16
  • Earthquake Index for U.S.: 1.81

Tips for Mobile Homeowners and RV Owners:

  1. Preparation:
    • Secure heavy furniture and appliances to prevent tipping.
    • Use flexible connectors for gas appliances to minimize the risk of gas leaks.
    • Keep an emergency kit with essentials like water, food, and medical supplies.
  2. During an Earthquake:
    • Drop, cover, and hold on: get down low, take cover under sturdy furniture, and hold on until the shaking stops.
    • In an RV, move to a secure area and brace yourself against sturdy fixtures.
  3. After an Earthquake:
    • Check for gas leaks, damaged electrical wiring, and other hazards.
    • Avoid damaged structures and areas where debris may fall.
    • Inspect your mobile home or RV for structural damage and make necessary repairs.

Description of Tornado Risk:

  • Warren, OH has a tornado index value of 173.28, which is higher than both the Ohio average of 156.02 and the U.S. average of 136.45. This indicates a moderate risk of tornadoes, which can cause severe damage to property and pose significant safety risks.

Data Points:

  • Tornado Index for Warren: 173.28
  • Tornado Index for Ohio: 156.02
  • Tornado Index for U.S.: 136.45
  • Total tornado-related events within 50 miles (1950-2010): 5,455
  • Specific tornado-related events: Thunderstorm Winds (2,752), Strong Wind (155)

Tips for Mobile Homeowners and RV Owners:

  1. Preparation:
    • Secure your mobile home to its foundation to reduce the risk of it being overturned.
    • Identify nearby storm shelters or sturdy buildings where you can take refuge during a tornado.
    • Prepare an emergency kit with supplies such as food, water, and first-aid items.
  2. During a Tornado:
    • Move to the lowest level of a sturdy building, away from windows and exterior walls.
    • If you are in an RV, evacuate to a more secure structure, as RVs provide little protection against tornadoes.
  3. After a Tornado:
    • Avoid downed power lines and other hazards.
    • Inspect your property and RV for damage and make necessary repairs.
    • Contact your insurance company to report any damage and begin the claims process.

Description of Other Weather Extremes:

  • Warren, OH experiences a variety of other weather extremes, including blizzards, cold spells, floods, hail, heavy snow, ice storms, and strong winds. These events can pose various risks to safety and property.

Data Points:

  • Total other weather extremes events within 50 miles (1950-2010): 5,455
  • Specific weather extremes: Blizzard (4), Cold (42), Flood (711), Hail (1,278), Heavy Snow (168), Ice Storm (36), Strong Wind (155), Winter Storm (82), Winter Weather (18), Other (165)

Tips for Mobile Homeowners and RV Owners:

  1. Blizzards and Heavy Snow:
    • Ensure your heating system is working efficiently.
    • Stock up on supplies such as food, water, and blankets.
    • Keep snow removal equipment handy to clear access points.
  2. Floods:
    • Elevate electrical appliances and utilities.
    • Have a plan for evacuation to higher ground.
    • Keep important documents in a waterproof container.
  3. Hail and Strong Winds:
    • Park your RV in a sheltered area or use a hail cover.
    • Secure outdoor items that could be damaged or become projectiles.
    • Regularly inspect and repair any damage to roofs and windows.
  4. Ice Storms:
    • Be prepared for power outages by having a generator or alternative heat source.
    • Avoid travel during ice storms and stay indoors.
    • Use sand or salt to reduce slipping hazards around your home.

Recommended Neighborhoods in Warren, Ohio:

Recommended Neighborhoods in Warren, Ohio:

  • State Road
  • Champion Heights / Champion
  • Howland Center / Venice Heights
  • Howland Corners
  • Warren East
  • Brookside Park
  • Madden Corners
  • Warren West
  • Morgandale
  • Austin Village

Crime Rates:

Crime Rates:

Description of Property Crime Rates:

  • Warren, Ohio, has a high property crime rate of 29 per one thousand residents. This rate is significantly above the national average and indicates a substantial risk of property crimes such as burglary, larceny over fifty dollars, motor vehicle theft, and arson.

Data Points:

  • Property Crime Rate in Warren: 29 per 1,000 residents
  • Chance of becoming a victim of property crime in Warren: 1 in 35
  • Warren’s property crime rate relative to national averages: Higher than most

Implications:

  • Residents of Warren face a considerable risk of property crimes, highlighting a significant challenge for the community in terms of property crime prevention and safety.

Description of Violent Crime Rates:

  • Warren experiences a higher rate of violent crime compared to most communities in America, with a rate of 4 per one thousand inhabitants. Violent crimes tracked in this analysis include armed robbery, aggravated assault, rape, and murder.

Data Points:

  • Violent Crime Rate in Warren: 4 per 1,000 residents
  • Chance of becoming a victim of violent crime in Warren: 1 in 228
  • Warren’s violent crime rate relative to national averages: Higher than most

Implications:

  • The rate of violent crime in Warren indicates a significant level of serious criminal activity, posing a notable risk to personal safety for residents.

Description of Overall Crime Rates:

  • With an overall crime rate of 33 per one thousand residents, Warren ranks among the highest in the nation for communities of all sizes. This rate includes both violent and property crimes and reflects a substantial overall crime risk.

Data Points:

  • Overall Crime Rate in Warren: 33 per 1,000 residents
  • Chance of becoming a victim of either violent or property crime in Warren: 1 in 30
  • Warren’s overall crime rate relative to Ohio: Higher than 94% of Ohio’s cities and towns

Implications:

  • The overall crime rate in Warren is significantly above the national average and higher than the vast majority of communities in Ohio. When compared to cities of similar size, Warren’s crime rate is notably higher, indicating substantial crime-related challenges for the city.

6 INSURANCE OPTIONS:

6 INSURANCE OPTIONS:

Stay Connected with Community

Engage with your mobile home park community. Builds support networks and enhances living experience.

Financial Planning

Plan your finances to cover maintenance, upgrades, and emergencies. Ensures long-term stability and readiness for unexpected expenses.

Install Surge Protectors

Use surge protectors for all major appliances and electronics. Protects against electrical surges during storms.

Keep Emergency Contact List

Maintain a list of emergency contacts, including local authorities and utility companies. Essential for quick response during emergencies.

Stockpile Essential Supplies

Keep a stockpile of non-perishable food, water, and medical supplies. Ensures you are prepared for extended power outages or isolation.

Install Smoke and Carbon Monoxide Detectors

Ensure your home has working smoke and carbon monoxide detectors. Enhances safety by providing early warning of fires or gas leaks.

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.

We do insurance better.

We do insurance better.

And here’s how.

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  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in Warren, Ohio, 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
Warren, Ohio.

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!

Finding the Best Mobile Home Insurance in
Warren, Ohio.

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

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

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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