Eligibility Requirements

To be eligible for Mine Subsidence Insurance, the following requirements must be met:

1. Structure must be an occupied 1-4 family dwelling, including 1-4 family dwelling structure condominiums. All dwellings must have at least 50% of the total living area occupied. Seasonal properties are eligible for coverage. Builders’ risks are also eligible for coverage if construction/reconstruction is intended to result in the creation of a 1-4 family occupied dwelling structure.
2. Structures with incidental business occupancy are permitted as long as all other eligibility requirements are met.
3. Structure must be located in an eligible county.
   Mandatory Counties ($1.00 Premium)
   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, Washington
   Optional Counties ($5.00 Premium)
   Delaware, Erie, Geauga, Lake, Licking, Medina, Ottawa, Portage, Preble, Summit, Wayne
4. Structure must be covered by valid basic property, homeowners, farm owners, or mobile home owners policies.
5. Coverage will be denied if material misrepresentation of facts or circumstances concerning mine subsidence is made and if the hazard of occupancy is increased by any means within the control and knowledge of the insured.

Contact your insurance company if you are interested in obtaining coverage.

Optional counties may become mandatory counties in the future pursuant to the Ohio Revised Code 3929.56 that allows county commissioners in optional counties to vote to approve changing their status.

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