Covertree’s Comprehensive Guide!
The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
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.
Chandler, Arizona has a major risk of wildfire. Over the next 30 years, there are 38,696 properties in Chandler with some risk of being affected by wildfire, representing 40% of all properties in Chandler. Wildfire not only damages properties but could potentially cut off access to utilities, emergency services, impact evacuation routes and may impact the overall economic well-being of the area.
Chandler, like many parts of Arizona, experiences strong thunderstorms generated during the annual summer monsoon season. Such storms contain several potential dangers including heavy rains, hail, flash flooding, lightning, strong winds and dust storms.
This high intensity dust wave is generated due to moderate to severe winds that can impair visibility for drivers on roads and highways.
Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home in your area at a competitive price.
Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.
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.
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.
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:
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.
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.
Kon Tiki Mobile Home Village, situated at 555 West Warner Road, Chandler, AZ 85225, welcomes residents of all ages to its vibrant manufactured home community. Established in 1971, our land-lease community features 179 home sites with lot rents ranging between $600 and $1,600 per month, encompassing trash pickup, water, and sewer costs. Our streets are well-paved and maintain a standard width. The community enjoys city-sourced water and sewer systems, and while off-street parking is available, there are no dedicated RV parking spots. Under the attentive management of West Coast Mobile Home Parks, Inc., Kon Tiki is a top choice for those seeking affordable, active, and family-oriented living.
Nestled at 15802 S Gilbert Rd, Chandler, AZ 85225, San Tan Mobile Village proudly serves as an age-restricted (55+) manufactured home community. Established in 1972, our land-lease community encompasses 140 home sites with lot rents varying between $450 and $750 per month, which includes trash pickup, water, and sewer expenses. The community's streets are paved and generously wide.
Chandler Meadows invites families of all ages to an inviting and vibrant community. Relish in a delightful barbecue session on our lush lawn as the young ones engage in playground fun. Or perhaps, unwind with a refreshing dip in our community pool, gearing up for the exciting weekly activities at the clubhouse. With an abundance of nearby eateries and shopping destinations, there's never a dull moment. Don't let the opportunity slip; reach out to our welcoming team to book a tour and discover why Chandler Meadows is the perfect home for your family!
Sunshine Valley stands as an emblem of warmth and unity. This all-age manufactured home community, celebrating both family bonds and the companionship of pets, is a haven filled with amenities. Here, you can engage in community events, revel in our expansive clubhouse, shoot hoops at the basketball court, or lose yourself in a good book from our well-stocked library. While children find joy in the playground or the cooling embrace of our community pool, adults can indulge in the soothing atmosphere of the whirlpool-spa-hot tub.
Homes Direct sells modular and manufactured homes from seven of the best factories in the U.S. They work with some of the most flexible manufacturers in the country. The customization options available to customers are virtually limitless. From small changes like adding shelving or moving a wall a few feet to completely custom floor plans started from scratch and even two-story models, Homes Direct offers customers flexibility and options with their new manufactured home or modular home.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Chandler, AZ
This coverage provides extra protection in
case the rebuilding costs exceed the coverage limit in the policy. With Chandler's
growing population and demand for housing, building costs may be higher than
anticipated, making additional coverage important.
This coverage protects against lawsuits and legal costs if
someone is injured on your property or if you or a family member causes damage to
others' property. With the risks of natural disasters and wildlife intrusions, liability
coverage can be vital.
Policy endorsements provide personalized protection beyond
basic coverage. For example, those living in Chandler with expensive personal property
like jewelry, fine art, or collector's items may opt for additional coverage.
Traditional homeowner's insurance policies may not provide
coverage for flood-related damage. With the prevalence of monsoons and haboobs in
the area, flood insurance is advisable and may be required if you have a mortgage.
While not a major risk in Chandler, earthquakes do occur in
some parts of Arizona. Earthquake insurance can provide additional coverage for
damages caused by earthquakes or other earth movements.
With extreme heat and monsoons, power surges or
equipment malfunctions can happen in Chandler. Equipment breakdown coverage will
provide protection against repair or replacement costs for appliances and systems, such
as HVAC, electrical, and plumbing, due to sudden and accidental breakdowns.
It's important to discuss these specific coverage needs with your insurance
provider, as they will have a better understanding of the risks associated with
Chandler, AZ, and can tailor a policy that meets your unique requirements.
CoverTree can help you with the easiest quote on the market, just click here
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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:
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.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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