Protect Your Manufactured Home In Buckeye, AZ.

Covertree’s Comprehensive Guide

Powered by

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.

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

Welcome to Buckeye, Arizona - The Westernmost Star of the Valley of the Sun!

Buckeye, a rapidly growing city on the western fringe of the Phoenix metropolitan area, beckons as a testament to Arizona's evolving dynamics, offering a harmonious blend of modernity, outdoor allure, and remnants of a bygone frontier era. Situated in the heart of the Sonoran Desert, Buckeye has charted its path from a humble railway town to a burgeoning urban space, while never losing sight of its rich heritage.

Originally founded in the 1880s and named after the Ohio settlers' Buckeye Canal, the town's lifeblood lay in its intricate irrigation system, channeling the waters of the Gila River to nourish the arid desert soil. This transformative endeavor led to thriving agricultural operations, the remnants of which are still visible in the town's rustic landscapes and historic buildings.

Today, modern Buckeye seamlessly intertwines with its past, with residential neighborhoods, golf courses, and business districts coexisting alongside serene desert vistas. But it's not just the charm of urban amenities against a backdrop of rugged mountains that draws visitors and new residents alike; it's the vast array of outdoor activities and attractions that truly sets Buckeye apart. Skyline Regional Park is one such gem, boasting over 8,000 acres of pristine desert landscapes. Hikers, mountain bikers, and equestrians find solace in its winding trails that snake through the mountains, offering panoramic views of the valley below. As the sun sets, the park morphs into a stargazer's dream, with the vast desert sky painted in hues of oranges, purples, and deep blues, studded with shimmering celestial bodies.

For those who find joy in water-based adventures, the Buckeye Aquatics Center serves as an oasis in the desert heat. Complete with slides, diving boards, and a lazy river, it's a favorite among families seeking respite from the Arizona sun.

Yet, despite its modern attractions, Buckeye remains deeply rooted in its traditions. Annual events like the Buckeye Days, with its rodeos and parades, echo the spirit of the Old West, paying homage to the city's frontier origins. The Buckeye Air Fair, on the other hand, celebrates the marvels of modern aviation, juxtaposing the city's historic essence with its forward-looking aspirations. In the realm of gastronomy, Buckeye offers a palette of flavors that reflect the diverse tapestry of its inhabitants. From classic Southwestern cuisine to international delights, the dining scene here caters to both traditional and contemporary tastes.

In summary, Buckeye, Arizona stands as a beacon of growth and opportunity, where desert sands tell tales of pioneers, where modern life thrives amidst cacti and canyons, and where the future promises endless possibilities. Whether you're an outdoor enthusiast, a history aficionado, or a seeker of new horizons, Buckeye welcomes you with the warmth of the desert sun and the promise of an unforgettable journey.

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:

Home Value

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

Age and Condition

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

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

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

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

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

Insurance Score

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 Buckeye, 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 Buckeye, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Buckeye, AZ

Dust Storms:

Dangerous Phenomenon: Often underrated, dust storms can be deadly during the monsoon season.
Massive Scale: These walls of dust can stretch 100 miles long and reach hundreds of feet high.
Visibility Issues: Dust storms can drastically reduce visibility, making driving perilous.

Advice for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

Safety First: Pull your vehicle safely off the road during a dust storm.
Avoid Misleading Others: Turn off all lights to prevent other motorists from following tail lights, which could lead to collisions.
Wait it Out: Remain in your vehicle until the dust storm has passed.

Lightning:

Immediate Threat: Lightning poses a significant risk during thunderstorms.
Safety Protocols: The saying “When thunder roars, go indoors” holds true. No outdoor place is safe during a lightning storm.
Vehicle Safety: If caught in a vehicle, turn it off and avoid touching any metal parts.
Extended Risk: Lightning can strike from as far as 10 miles away from the storm’s center.

Advice for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

Seek Shelter: Ensure your mobile home or RV is well-grounded and avoid staying outside during a thunderstorm.
Wait After the Storm: Stay indoors for at least 30 minutes after the last thunder sound.

Heat Safety:

Benefits and Risks: While outdoor activities are crucial for overall health, the intense heat during monsoon seasons can lead to severe health issues.
Prevention Measures:
- Hydration is key.
- Engage in outdoor activities during cooler hours, such as early morning or evening.
- Seek shade and take breaks in air-conditioned buildings.
- Dress appropriately with lightweight, light-colored, and loose-fitting clothing.
- Always wear sunscreen to prevent sunburn.

Advice for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

Cooling Systems: Ensure your mobile home or RV has an effective cooling system.
Stay Hydrated: Always keep an ample supply of water, especially if traveling.
Know the Signs: Be aware of signs of heat-related illnesses, like heat exhaustion or heat stroke, and be prepared with first aid measures.

Preparation Resources:

Buckeye Public Works provides sand for residents during the monsoon season. Make sure to have your own bags and shovels, which can be bought at local hardware stores, to prepare for potential flooding.

In conclusion, while the monsoons bring a respite from the relentless heat, they also usher in a host of weather-related challenges. For those living in or traveling through Buckeye, especially in mobile homes, manufactured housing, or RVs, awareness and preparation are paramount.

In conclusion, the diverse weather risks in Bisbee necessitate proactive preparations, especially for mobile homeowners, manufactured housing populations, and RV owners. Adequate safety measures and continuous awareness can help mitigate potential damages and ensure the safety of residents.

Recommended Neighborhoods in Buckeye, AZ

Tartesso / West Phoenix Estates
Festival Foothills
Phoenix Skyline West
Sienna Hills / Sonoran Ridge Estates
Southwest Desert Estates / Rainbow Valley
Windmill Village
Valencia Heights
Verrado
Big Horn / Bosque
Westpark

Property Crime Rates in Buckeye, AZ

Overall Crime:

Buckeye’s crime rate is 12 per 1,000 residents, which is close to the national average for all American cities and towns. In Buckeye, individuals have a 1 in 83 chance of falling victim to any crime.

Comparison within Arizona:

When compared with other communities in Arizona, Buckeye stands relatively in the middle, with its crime rate being lower than about 49% of other Arizona communities.

Population-based Comparison:

Contrasting Buckeye with other towns and cities of similar population size, it emerges as a safer place. Specifically, its crime rate is notably lower than other cities of similar size, marking Buckeye as safer than most in this category.

Violent Crime Insights:

Rate and Average: Buckeye's rate for violent crime is 2 per 1,000 residents. This is around the national average for communities of all sizes in the U.S. The violent crimes considered in this analysis include armed robbery, aggravated assault, non-statutory rape, and non-negligent manslaughter. Thus, in Buckeye, the likelihood of being a victim of a violent crime stands at 1 in 592, which mirrors the national average.

Property Crime Insights:

Buckeye, Arizona presents itself as a city with crime metrics close to national averages. While its overall crime rate is comparable to national standards, its standing is favorably distinct when matched against cities of a similar population size. This denotes that while Buckeye still experiences crime, it maintains a comparative edge in safety for its size. This can serve as a foundation for the city to enhance community policing and other crime prevention initiatives to further bolster its safety profile.

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.

Home Value:

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

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.

Additional Structures:

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Review and Compare Quotes:

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

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.

Did You Know?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

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.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

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

Affidavit of Affixture

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).

Buying a Used Mobile Home

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.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.

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:

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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 A Manufactured Home or Community in Buckeye, AZ

If you're in the market for a mobile or manufactured home in Buckeye, it's important to have access to reliable and trustworthy information. Buckeye, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Buckeye has something for everyone.

Buena Vista

Address: 2000 South Apache Road, Buckeye, AZ 85326
Description: Buena Vista is an all-ages community located in Buckeye, Arizona. It offers a variety of manufactured homes for sale and rent. The community features a gated entrance, a swimming pool, a clubhouse (Cabana Clubhouse) for community activities, a dog park, a playground, and on-site RV storage. Pets are allowed with community approval. They are currently running a Red Tag Sale with special incentives.

Leaf Verde

Address: 1500 South Apache Road, Buckeye, AZ 85326
Description: Leaf Verde is an all-ages community in Buckeye, Arizona. It offers homes for sale. The community features a clubhouse, a swimming pool, recreational facilities, and on-site parking. Pets are allowed, with a maximum of 2 pets.

Estrella Valley Mobile Home Park

Address: 941 East Monroe, Buckeye, AZ 85326
Description: Estrella Valley Mobile Home Park is an all-ages community in Buckeye, Arizona. It offers vacant sites for mobile homes. The community features a clubhouse, sidewalks, a swimming pool, and recreational facilities. There are no age restrictions mentioned, and pets are allowed.

Buckeye's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Buckeye

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

Rural Property Security Cameras Coverage:

Reasoning: In rural areas like Buckeye, property crime concerns may arise. This endorsement provides coverage for the installation and maintenance of security cameras on your rural property.

RV Wind and Dust Storm Protection:

Reasoning: Arizona experiences dust storms. This coverage offers protection for damages to your RV caused by high winds and dust storms.

Mobile Home Solar Panel Coverage:

Reasoning: If you’ve installed solar panels on your mobile home, this endorsement offers coverage for the repair or replacement of these energy-saving devices.

Mobile Home Skirting and Anchoring Protection:

Reasoning: Proper skirting and anchoring are crucial for mobile home stability. This coverage addresses damages or repairs needed for skirting and anchoring systems.

RV Security System Coverage:

Reasoning: Protecting your RV is essential in rural areas. This endorsement covers the installation and maintenance of RV security systems to prevent theft or damage.

RV Awning Wind and Sun Protection:

Reasoning: Sun protection is important in Arizona. This coverage addresses damages to RV awnings due to sun exposure and strong winds.

What Additional Services Can You Get Covered?

 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