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 Zanesville, Ohio – a city where history, art, and community converge to create a vibrant and welcoming environment. Located along the banks of the Muskingum River, Zanesville is a place where the past is celebrated, the present is embraced, and the future is full of promise. Whether you’re exploring its rich historical landmarks or enjoying the natural beauty of its surroundings, Zanesville offers a unique charm that captivates all who visit.
Zanesville’s history is deeply intertwined with its role as an important transportation hub in the early 19th century. The city was founded by Ebenezer Zane, a Revolutionary War veteran who established Zane’s Trace, a frontier road that helped open the Ohio Territory to settlement. Today, Zanesville honors this legacy with landmarks like the Y-Bridge, a unique and iconic structure that has been a symbol of the city since its first construction in 1814. The Y-Bridge, which spans the confluence of the Licking and Muskingum Rivers, is one of the few such bridges in the world and remains a testament to Zanesville’s ingenuity and resilience.
Art and culture are at the heart of Zanesville’s identity. The city is known as the “Pottery Capital of the World,” a title earned during its heyday as a center for pottery production in the late 19th and early 20th centuries. The Zanesville Museum of Art reflects this rich artistic heritage, offering an impressive collection of American and European paintings, glassware, and, of course, pottery. The museum is a cultural gem that provides visitors with a glimpse into the city’s creative spirit and artistic achievements.
Zanesville is also home to several parks and natural areas that highlight the beauty of southeastern Ohio. Dillon State Park is a popular destination for outdoor enthusiasts, offering opportunities for hiking, fishing, boating, and camping. The park’s lush forests and scenic lake make it an ideal spot for both relaxation and adventure, drawing visitors from across the region.
Zanesville is full of intriguing and lesser-known facts that add to its unique character. For instance, the city was once the temporary capital of Ohio from 1810 to 1812, a distinction that reflects its early importance in the state’s development. Another fascinating tidbit is Zanesville’s connection to the Underground Railroad. The city was a key stop on this secret network, with several local homes and churches serving as safe houses for enslaved people seeking freedom. These historical ties add depth to Zanesville’s rich cultural tapestry.
Zanesville, 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 admiring the architectural marvel of the Y-Bridge, exploring the artistic treasures of the Zanesville Museum of Art, or simply enjoying the peaceful surroundings of Dillon State Park, Zanesville invites you to discover all that makes it a special place to live, work, and visit. Come and experience the heart of Muskingum County—a place where history, art, and community spirit create 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: Zanesville is at risk for tornadoes and severe thunderstorms, especially in the spring and summer. These storms can bring powerful winds, heavy rainfall, and hail, posing significant risks to mobile and manufactured homes.
Why It’s a Risk: Mobile homes are particularly vulnerable to tornadoes due to their lightweight construction. Even with tie-down systems, they are less likely to withstand the intense winds of a tornado compared to permanent structures.
Implications/Tips: Residents should ensure their homes are properly anchored and have an emergency plan that includes identifying the nearest storm shelter. Regular monitoring of weather alerts and swift action in the event of a warning are crucial for safety.
Description: Zanesville can experience flooding, particularly during heavy rainfall or rapid snowmelt. Floods can cause significant damage to homes, especially those in low-lying areas.
Why It’s a Risk: Mobile homes are vulnerable to flood damage, which can undermine foundations and cause extensive structural issues.
Implications/Tips: Consider elevating your home if it is in a flood-prone area. Proper drainage around the property, having flood insurance, and preparing an evacuation plan can mitigate flood risks.
Description: Zanesville experiences harsh winter conditions, including heavy snow, ice storms, and frigid temperatures.
Why It’s a Risk: The less robust insulation of mobile homes makes them more susceptible to the cold, leading to potential issues like frozen pipes and roof damage from snow accumulation.
Implications/Tips: Improve insulation, protect pipes from freezing, and ensure heating systems are reliable. Regularly clear snow from roofs to prevent damage.
These precautions are essential for residents of mobile and manufactured homes in Zanesville to protect themselves from these common weather hazards.
Zanesville experiences a high rate of property crime, which is a significant contributor to its overall crime rate. Key data points include:
These statistics indicate that property crime is a major concern in Zanesville, with residents facing a relatively high risk of theft and burglary compared to other communities.
Violent crime in Zanesville, while less frequent than property crime, still occurs at a higher rate than in many other communities across the United States. Important data points include:
These figures suggest that violent crime, although less common than property crime, still poses a significant threat to residents in Zanesville.
Zanesville’s overall crime rate is considerably higher than the national average, placing it among the more dangerous communities in the U.S. Here’s a summary:
These insights suggest that Zanesville faces significant challenges with both violent and property crimes, making it a community with heightened safety concerns.
Familiarize yourself with local resources like shelters, food banks, and community centers. Provides support and assistance during emergencies or difficult times.
Use dehumidifiers in humid months to prevent mold growth. Enhances indoor air quality and health.
Place water leak detectors near water sources. Early detection prevents extensive water damage.
Investigate adding flood insurance if not included in your standard policy. Essential for areas prone to flooding.
Maintain a good credit score to get better insurance rates. Affects premium costs and policy approvals.
Work with a reputable insurance agent who understands mobile home needs. Ensures you get the right coverage.
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 Zanesville’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!
