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Protect Your Manufactured Home in Chandler, 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 Chandler, AZ: Costs, Coverage, and Considerations

Welcome to Chandler, AZ - a city that beautifully blends the old and the new and has something for everyone! For those who have already made Chandler their home, you know you are part of a welcoming and diverse community that is proud to call this city home. From the historic downtown district to the modern technology industry, Chandler offers a unique living experience that is hard to find anywhere else.

For those who are considering moving to Chandler, you'll soon discover that our city has a lot to offer. With a thriving economy and top-rated schools, it's no wonder that Chandler has recently been named one of the best places to live in the country. Additionally, our city boasts year-round sunshine, countless outdoor activities, and a flourishing arts and culture scene. With 330 days of sunshine, you will never worry about shoveling or missing out on outdoor activities. The city is also home to the famous Cactus League Spring Training, where you can easily access any of the 15 Major League teams that make the Valley of the Sun their spring home for baseball.

You will find a world of diverse dining experiences from around the globe, ranging from casual to upscale, which cater to everyone’s taste. Chandler golf offers lush fairways, expansive views, and great golf values in the Valley of the Sun. You'll find fun for the whole family at the annual Ostrich Festival, 102.5 KNIX Barbeque, and Beer Festival and many more exciting events all-year-round. Moreover, with its central location, just minutes from two major airports, Chandler makes a great central location to explore Arizona's scenic wonders, family fun adventures, and world-renowned attractions.

Come explore Chandler's 60 parks, family fun centers, and vibrant downtown area filled with art galleries, boutique shops and locally owned restaurants and bars. Chandler is also home to the Chandler Solar Walk and Chandler Innovation Fair, which embrace scientific pursuits year-round. Join us in Chandler, one of Arizona's fastest-growing communities and get to know this wonderful city and its welcoming residents.

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

Weather Risks

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.

Neighborhoods in Chandler, AZ to consider.

According to the data, some of the safest neighborhoods in Chandler include:

Property Crime Rates

The crime rate in Chandler is higher than the national average across all communities in America. However, compared to other communities of similar population size, Chandler has a crime rate that is noticeably lower than the average. This means that for comparably sized cities all across America, Chandler is actually safer than most.

Chances of Becoming a Victim of a Property Crime:

Property Crimes:

Rate per 1,000:

Chandler's rate for property crime is 17 per one thousand population. This makes Chandler a place where there is an above average chance of becoming a victim of property crime, when compared to all other communities in America of all population sizes.

Review and Compare Policies

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.

Think About What you Need

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.

Check Availability of all Applicable Discounts

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!

Review the Claims Process

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.

Get Some Quotes

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.

Look Over the Details

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.

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?

In Arizona, manufactured homes must comply with specific codes and regulations, including the Arizona Manufactured Housing Codes and Regulations.

Arizona Mobile Home Resources
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!

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.

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.

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:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) 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 A Manufactured Home in Chandler, AZ

If you're in the market for a mobile or manufactured home in Chandler, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Chandler. Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Chandler, AZ when it comes to manufactured homes and related services.

Kon Tiki Mobile Home Village

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.

San Tan Mobile Village

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

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

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

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.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.

Liability

Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Chandler, AZ

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

These are some things you should look out for in an insurance plan for Chandler:

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
(LINK TO CTA)

 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

So what are you waiting for? Click here to get a quote now! CoverTree has got your back!

Now that you've got the lowdown on mobile home insurance coverage in Chandler, AZ, don't hesitate to get a CoverTree quote now.

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