Ohio Revised Code Search

...s to secure basic property insurance or homeowners insurance, and to formulate and administer a program for the equitable apportionment of basic property insurance or homeowners insurance which cannot be obtained in the normal market. Every such insurer shall be a member of the association and shall remain a member as a condition of its authority to write any of such insurance in this state. (B) The association, p...

...e to obtain basic property insurance or homeowners insurance may apply to the Ohio fair plan underwriting association. (B) The association may engage an inspection bureau or other organization to assist in collection of information necessary to underwrite risk for basic property insurance or homeowners insurance. (C) The association, if it finds the property to be insurable by meeting the reasonable underwriting ...

... excluded by the superintendent. (B) "Homeowners insurance" means insurance on owner-occupied dwellings providing personal multi-peril property and liability coverages commonly known as homeowners insurance, and is subject to such reasonable underwriting standards, exclusions, deductibles, rates, and conditions as are customarily used by member insurers for similar coverages. (C) "Insurer" includes any insurance ...

... insurer that offers basic property and homeowners insurance insuring on a direct basis a structure located in the counties of Athens, Belmont, Carroll, Columbiana, Coshocton, Gallia, Guernsey, Harrison, Hocking, Holmes, Jackson, Jefferson, Lawrence, Mahoning, Meigs, Monroe, Morgan, Muskingum, Noble, Perry, Scioto, Stark, Trumbull, Tuscarawas, Vinton, and Washington shall include mine subsidence coverage provided by ...

...s obligations under a warranty; (c) A homeowner's, renter's, private passenger automobile, commercial multi-peril, or similar insurance policy. (7) "Portable electronics transaction" means the sale or lease of portable electronics by a vendor to a customer or the sale of a service related to the use of portable electronics by a vendor to a customer. (8) "Supervising entity" means an insurer or a business entity...

... obligations under a warranty; (iii) A homeowner's, renter's, private passenger automobile, or similar insurance policy. (8) "Self-service storage rental agreement" means a written agreement containing the terms and conditions governing the use of storage space provided by a self-service storage facility. (9) "Supervising entity" means an insurer or a business entity licensed as an insurance agent under section 39...

...s defined and limited in dwelling fire, homeowners, and farm policies and other structures as described, defined, or limited in the mine subsidence insurance form. (C) "Basic property insurance" means insurance against direct loss to property as defined and limited in dwelling fire, homeowners, and farm policies and extended coverage endorsements thereon, as approved by the superintendent of insurance, and insurance...

...operty: (i) Real property taxes; (ii) Homeowner's insurance premiums for homeowner's insurance, which shall reflect the market rate for homeowner's insurance based on the market value of the real property; (iii) Any homeowner's association or condominium dues. (c) The option to purchase contained within the lease shall allow the former borrower the opportunity to purchase the real property that is the subject of ...

... by a contractor hired by an individual homeowner, group of individual homeowners, or homeowners association that enters into an agreement with a board under division (A) of this section is not a public improvement, as defined in section 4115.03 of the Revised Code, and is not subject to competitive bidding or public bond laws.

...ly protection for personal automobile, homeowner's, tenant's, mobile-homeowner's, non-commercial dwelling fire or personal umbrella coverage. (2) "Customer" has the same meaning as in section 3901.19 of the Revised Code. (B)(1) An insurer may, but is not required to, provide or make a policy summary of material coverages and exclusions in a personal lines policy of insurance available to a customer. If an ins...

...the following have occurred: (a) The homeowner has provided written notice to the lienholder requesting that the certificate of title be surrendered to the auditor of the county containing the taxing district in which the home is located. (b) The homeowner has either paid the lienholder the remaining balance owed to the lienholder, or, with the lienholder's consent, executed and delivered to the lienholder a mo...

...er governing document or agreement of a homeowners, neighborhood, civic, or other association, shall prohibit or be construed to prohibit any of the following: (1) The placement on any property of a flagpole that is to be used for the purpose of displaying the flag of the United States, the flag of the state as defined in section 5.01 of the Revised Code, or the national league of families POW/MIA flag provided the...

...cost effective energy improvements on a homeowner's qualifying residential real property and is repayable by the homeowner through a special assessment under section 717.25 or Chapter 1710. of the Revised Code. (B) Notwithstanding any provision of law to the contrary, a residential PACE lien shall be all of the following: (1) Subordinate to all liens on the qualifying residential real property recorded prior to t...

...ovide technical assistance to sponsors, homeowners, private developers, contractors, and other appropriate persons on matters relating to housing needs and the development, construction, financing, operation, management, and evaluation of housing developments; (B) Carry out continuing studies and analyses of the housing needs of this state and, after conducting public hearings, prepare annually a plan of housing nee...

... The general assembly finds that making homeownership and maintenance costs more affordable is an important part of fostering a robust and lasting population across the state. However, homeowners often struggle to find adequate and affordable financing options to pursue home improvement, home restoration, or similar types of projects and upgrades aimed at maintaining or increasing the livability and value of a home. ...

...ciated with a qualified project such as homeowner abandonment, default, foreclosure, or other such risks. (d) Criteria to maintain the affordability of each of a qualified project's single-family dwellings during the affordability period, which may include a deed restriction held by the project development owner for some or all of the amount of the tax credit or any appreciated value of the property. (e) Requir...

...ire a mortgagor or borrower to purchase homeowners insurance coverage or other residential property insurance coverage in an amount that exceeds the replacement value of the dwelling and its contents, regardless of the amount of mortgage or other financing arrangement entered into by the mortgagor or borrower. The fair market value of the land on which the dwelling is located shall not be included in the replacement ...

... (c) Farmowner's multiple peril; (d) Homeowners multiple peril; (e) Commercial multiple peril; (f) Inland marine; (g) Earthquake; (h) Auto physical damage. (4) The superintendent may adopt rules in accordance with Chapter 119. of the Revised Code to establish the process for a certified reinsurer to seek a deferral of posting of security for catastrophe recoverables.

... (1) Private passenger automobile; (2) Homeowners, including coverage for tenants or condominium owners, owner-occupied fire or dwelling property coverage, personal umbrella liability, or any other personal lines-related coverage whether sold as a separate policy or as an endorsement to another personal lines policy; (3) Individual life insurance; (4) Individual sickness or accident insurance; (5) Disability ...

...s; (3) Farmowners multiple peril; (4) Homeowners multiple peril; (5) Commercial multiple peril; (6) Ocean marine; (7) Inland marine; (8) Financial guaranty; (9) Medical malpractice; (10) Earthquake; (11) Group accident and health; (12) Credit A & H (group and individual); (13)(a) Collectively renewable A & H; (b) Noncancellable A & H; (c) Guaranteed renewable A & H; (d) Nonrenewable for stated reasons o...

...ity, at the option of the applicant, of homeowners insurance as defined in division (B) of section 3929.42 of the Revised Code; (D) Encourage maximum use, in obtaining basic property insurance, of the normal insurance market provided by authorized insurers; (E) Provide for the equitable distribution among authorized insurers of the responsibility for insuring eligible property, for which basic property insurance ...

...ut not limited to, personal automobile, homeowner's, tenant's, and personal umbrella liability coverages. (2) Except as provided in division (C)(3) of this section, each filing shall become effective immediately upon its filing and is deemed to comply with such sections, unless disapproved by the superintendent as provided in this section or section 3937.04 of the Revised Code. (3) Whenever the superintendent dec...

...ncluding basic property, dwelling fire, homeowner's, tenant's, inland marine, personal liability, and personal umbrella liability coverage. (B) When the reason for cancellation of a personal lines insurance policy is nonpayment of premium, the effective date of cancellation shall be not less than ten days from the date the notice was mailed. (C) An insurer may include a notice of cancellation of a personal lines ...

...the sale of fire, extended coverage, or homeowners insurance, because of race, color, religion, sex, military status, familial status, ancestry, disability, or national origin or because of the racial composition of the neighborhood in which the housing accommodations are located; (5) Discriminate against any person in the terms or conditions of any loan of money, whether or not secured by mortgage or otherwise, fo...

...nt, fine, or other amount payable to a homeowners, condominium, cooperative, mobile home, or property owners association pursuant to a declaration or covenant or law applicable to the association; (h) Any payment required pursuant to an environmental covenant. (4) "Transfer fee covenant" means a declaration or covenant recorded against the title to real property that requires or purports to require the paymen...