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Protect Your Manufactured Home in Winslow, AZ

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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 Winslow, AZ: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Winslow, AZ: Costs, Coverage, and Considerations

Welcome to Winslow, Arizona – a small town located on the iconic Route 66, known for its rich history, beautiful murals, and the famous “Standin’ On The Corner” statue. Winslow offers visitors a charming mix of small-town hospitality, cultural heritage, and natural beauty.

Winslow’s history is deeply rooted in the Old West. The town was once a railroad hub and a trading center, frequented by cowboys, businessmen, and travelers. It has retained much of its old-west charm, and visitors can immerse themselves in the town’s rich history by exploring the many historic sites and exhibits. The Old Trails Museum offers a glimpse into Winslow’s past, while La Posada, a historic 1930s hotel, now a museum, showcases the town’s unique architecture.

Winslow boasts a vibrant arts scene, with colorful, larger-than-life murals adorning the town’s buildings. The murals reflect the town’s cultural heritage and its natural beauty, with themes ranging from local wildlife and landscapes to historic events and figures. Visitors can admire the stunning artwork, take photos with the murals, and learn about their significance.

The “Standin’ On The Corner” statue, inspired by the famous Eagles song “Take It Easy,” is a must-see attraction. The statue depicts a man standing on a corner, with a guitar in his hand, surrounded by a park-like setting. Visitors can take photos with the statue, which has become an iconic symbol of Route 66 and Winslow.

Winslow’s location, on the edge of the Painted Desert and just a short drive from the Grand Canyon, makes it an ideal base for exploring the natural beauty of the area. Visitors can take a scenic drive through the desert, hike the trails in the nearby Petrified Forest National Park or marvel at the breathtaking views of the Grand Canyon.

Winslow’s small-town charm is reflected in the town’s hospitality, with friendly locals welcoming visitors from near and far. The town offers a range of dining options, from classic American diner fare to authentic Mexican cuisine. Visitors can also enjoy boutique shopping, local art galleries, and unique gift shops.

Welcome to Winslow, Arizona, where small-town America meets the Old West. Enjoy the town’s rich heritage, admire the stunning murals, and take a stroll down the iconic Route 66. Whether you’re standing on the corner, marveling at the natural beauty of the area, or simply enjoying the town’s hospitality, Winslow offers a unique and memorable Arizona experience.

Understanding Mobile Home Insurance in Arizona

Understanding Mobile Home Insurance in Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here’s a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

The more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Winslow, AZ

Choosing the Right Mobile Home Insurance for Winslow, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Winslow, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Winslow, AZ

Description: Flooding is the most frequent weather event in Winslow with 46 recorded events, often related to heavy rains. These events pose a risk of water damage and contamination.

Implications for Mobile/Manufactured/RV Home Owners: Homes in flood-prone areas should be elevated, and all owners should consider investing in flood barriers or sandbags. Evacuation plans should be in place, and an emergency flood kit should be prepared.

Description: Winslow experiences significant occurrences of hail with 38 recorded events. Hail can damage property, vehicles, and crops.

Implications for Mobile/Manufactured/RV Home Owners: Adequate shelter for mobile homes and RVs is crucial to minimize damage. Reinforced roofing and carports can help protect against hail impact.

Description: There have been 25 recorded events of thunderstorm winds. These winds can result in broken windows, fallen trees, and other kinds of property damage.

Implications for Mobile/Manufactured/RV Home Owners: Storm straps and anchors can help secure mobile homes against strong winds. Outdoor items should be tied down or stored inside to avoid becoming dangerous projectiles.

Recommended Attractions in Winslow, AZ

  • Stand on the Corner Park
  • Old Trails Museum
  • Hubbell Trading Post & Warehouse
  • La Posada Hotel and Gardens
  • La Posada Art Museum
  • Winslow Amtrak Depot and Freight Siding
  • First Street Pathway Park
  • Snowdrift Art Space
  • Explore Winslow’s Victorian Roots
  • Brigham City Fort

Additional Risks

Additional Risks

With high risks for pests, regular inspection and cleaning are crucial. Eliminate standing water and ensure your home is well-sealed to prevent entry.

Especially critical for mobile and RV owners who may be on the road, poor visibility due to fog, heavy rain, or poor lighting conditions can be dangerous. Always have emergency road kits ready and avoid travel during extreme weather whenever possible.

The presence of Sunset Crater within 51 miles indicates a mild risk for volcanic activity, as indicated by the volcano index. Although the risk is low, awareness and emergency plans should be in place.

Property Crime Rates in Winslow, AZ

Property Crime Rates in Winslow, AZ

  • Population: Approximately 8,943
  • Overall Crime Rate: 60 per 1,000 residents
  • Chance of Becoming a Victim: 1 in 17

  • State Comparison: Over 97% of Arizona communities have lower crime rates than Winslow.

  • Violent Crime Rate: Not specified, but one’s chance of becoming a victim of a violent crime is 1 in 62.
    • Tracked Violent Crimes: Includes rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
  • Property Crime Rate: 44; chance of becoming a victim is 1 in 23.
    • Motor Vehicle Theft: Exceptionally high rate with a chance of 1 in 288 of having your vehicle stolen.

  • High Crime Rates for Size: Compared to communities with similar population sizes, Winslow has an unusually high combined rate of violent and property crime. It fares poorly in this category.
  • Violent Crime: Winslow has one of the highest violent crime rates in the nation, across all community sizes. This includes offenses like armed robbery, rape, and aggravated assault.
  • Property Crime: A large proportion of the crime in Winslow is property crime, with a significant focus on motor vehicle theft, which has one of the highest rates in the nation.
  • Motor Vehicle Theft: This particular type of property crime is alarmingly high in Winslow. Residents face a 1 in 288 chance of having their vehicle stolen, which is exceptionally high on a national scale.

Winslow, Arizona, is facing significant challenges related to both violent and property crimes. With such high rates, it ranks poorly not only within the state of Arizona but also nationally, making it one of the communities with some of the highest crime rates in the United States. Special attention should be given to tackling the issue of motor vehicle theft, which stands out as a particularly prevalent problem in Winslow. Given these concerning statistics, comprehensive intervention involving community engagement, increased law enforcement, and social programs are urgently needed to improve the safety and well-being of the residents.

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Are you in Winslow, AZ, looking for mobile home insurance

Evaluate Replacement Cost Coverage

Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Consider Additional Coverage

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Coverage Limits and Sublimits

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Compare Deductibles and Premiums

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Potential Rate Increases

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

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.

Arizona Mobile Home Facts

Arizona Mobile Home Facts

Mobile Homes in AZ

Mobile homes account for roughly 15 percent of Arizona’s total housing units – which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see https://www.dfbls.az.gov/lta/relocation.aspx). If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:​

  • closure of the park
  • redevelopment of the park
  • a qualifying rent increase
  • a change in community age restriction; or
  • rehabilitation of a pre-HUD home (built before June 15, 1976)

Coastal Property:
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know your rights!

Even though it’s not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include:

  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.

  • Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is    important for mobile homeowners to understand the coverage limitations in case of earthquake damage.

  • BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding the Best Mobile Home Insurance In Winslow

Finding the Best Mobile Home Insurance In Winslow

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Winslow’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!

Reasoning: Winslow has historic sites. This endorsement provides coverage for the costs associated with preserving historic elements on or around your mobile home property.

Reasoning: The nearby Meteor Crater is a popular attraction. If you frequently visit the Meteor Crater with your RV, this coverage offers liability protection for accidents or injuries that might occur during visits.

Reasoning: Winslow is a part of Route 66. This endorsement offers coverage for maintaining or restoring Route 66-themed elements on your mobile home property.

Reasoning: If you support local artisans or host art-related activities on your mobile home property, this coverage offers liability protection for accidents or injuries that might occur during these events.

Reasoning: The Petrified Forest is nearby. This coverage addresses damages to your RV that might occur during visits to the Petrified Forest National Park.

Reasoning: Winslow is known for meteor showers. If you host or participate in meteor shower viewing events from your RV, this coverage offers liability protection for accidents or injuries during these activities.

  • Additional Living Expenses
  • Trees, Shrubs, Plants and Lawns
  • 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

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

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