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Eligibility Requirements

         To be eligible for Mine Subsidence Insurance these requirements must be met:

         (1) Structures must be 1-4 family dwellings; with at least 50% of total living area occupied. Seasonal properties are considered 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 occupancy are permitted if the occupancy does not cause the structure to use a commercial rating formula, and qualifies for homeowners or dwelling fire policies.
(3) Structures must be located in an eligible county.
(4) Structures 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.

Eligible Counties
County Map
Mandatory Counties

$1.00 Premium
Optional Counties

$5.00 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
Delaware
Erie
Geauga
Lake
Licking
Medina
Ottawa
Portage
Preble
Summit
Wayne