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Protect Your Manufactured Home in Chino Valley, AZ

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

Welcome to Chino Valley, AZ - a place that captures the hearts of both longtime residents and newcomers alike, a place with friendly faces at every turn and a strong sense of camaraderie and neighborly support!

For those who already reside in Chino Valley, you are well aware of the town's enduring appeal. Nestled amidst the picturesque landscapes of central Arizona, Chino Valley exudes a sense of tranquility and harmony with nature that is hard to find elsewhere. The breathtaking mountain vistas, vast meadows, and clear blue skies create a backdrop that never fails to inspire awe and instill a sense of peace within the soul. From its rustic beauty to the tight-knit community spirit, Chino Valley embodies the quintessential essence of small-town living

. For those considering a move to Chino Valley, you are in for a delightful experience. The town's rich history and small-town charm create an appealing backdrop for building a life and making lasting memories. Whether you enjoy hiking, biking, or simply savoring the serenity of nature, Chino Valley provides ample opportunities to connect with the great outdoors.

Located in north central Arizona on State Route 89, just 15 miles north of Prescott and Prescott Valley and 90 minutes north of Phoenix. It is a small town with a population of approximately 12,000. Chino Valley offers a mild climate with four distinct seasons and over 300 days of sunshine per year. The low humidity levels make the air comfortable and clean, and summer monsoons provide needed rain. It is also not uncommon to see a winter dusting of snow. The town is situated at an elevation of 4,656 feet, offering beautiful sunrises and sunsets.

The area surrounding Chino Valley is known for its scenic beauty, with nearby forests, mountains, hills, grasslands, rivers, and lakes. Outdoor activities such as hiking, camping, and fishing are popular, and the landscape is home to wildlife such as antelope, deer, and coyote.

Chino Valley has a mix of businesses and services to support the needs of its residents, and it has a growing business climate with forward-thinking leaders. The economy is based on a mix of retail, commercial, and service activities. The completion of highway improvements and the establishment of an industrial park are contributing to the town's economic growth. There are also plenty of recreational opportunities in the Chino Valley area. Historical landmarks, scenic views, and miles of hiking and equestrian trails can be enjoyed. Nearby lakes such as Watson, Goldwater, and Lynx offer camping and fishing opportunities. The town also hosts annual events celebrating its rural heritage, such as the Fourth of July celebration and the First Territorial Capital celebration on Labor Day.

Chino Valley has community facilities including a library, senior center, social services office, park, and community center. The community center offers various sports courts and fields. Overall, Chino Valley is a place where people can enjoy a rural atmosphere, outdoor activities, and small-town charm. With its mild climate, breathtaking views, and proximity to larger cities, it is a great place to call home.

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 Chino Valley, 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

Chino Valley, Arizona is susceptible to various weather-related risks, including:

Chino Valley has a major risk from heat. 99% of homes in Chino Valley have a Major Heat Factor risk. A heat wave of 3 or more consecutive days where the “feels like” temperature meets or exceeds the local definition of a “hot day” (96ºF) is increasingly possible. It is estimated that Chino Valley will experience the use of air conditioning for approximately 202 days this year to stay cool indoors. Over the next 30 years, the number of cooling days will increase to 215 days per year, resulting in a 13.5% increase in electricity usage for cooling purposes.

Chino Valley has minor risk from flooding, minor risk from wildfires.

and minimal risk from severe winds.

Earthquakes, severe storms and tornados are also possible in Chino Valley.

Neighborhoods to consider in Chino Valley , AZ

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

Property Crime Rates

Chino Valley has a crime rate for both violent and property crime combined of 8 per 1,000 residents.

The crime rate in Chino Valley is

The chance of becoming a victim of:

These statistics indicate that Chino Valley is considered a relatively safe community with a lower crime rate compared to many other areas in the country.

Research Insurance Providers

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Consider the Coverage Options

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

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.

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!

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in Detroit.

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?

The State of Arizona has specific laws and regulations pertaining to the purchase, installation, and operation of manufactured homes, both in park settings and on private property.

Arizona Mobile Home Resources
Mobile Homes in AZ.

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 Chino Valley, AZ

If you're in the market for a mobile or manufactured home in Chino Valley, 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 Chino Valley. 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 Chino Valley, AZ when it comes to manufactured homes and related services.

Oakwood Homes of Chino Valley

They are dedicated to guiding you every step of the way in your home buying journey - with adept and friendly consultants who are ready to address all your queries regarding mobile and modular home choices. Visit their easily accessible location to explore their array of single and double wide display homes and browse through diverse manufactured home floor plans. From expansive kitchen islands and open layouts to luxurious spa-like bathrooms, they will assist you in pinpointing the features that will transform a house into your dream home. Whether it's an integrated entertainment hub or a lavish soaker tub you desire, they’re here to help make your vision a reality.

Country West Manufactured Home Community and RV Park

Nestled in the heart of scenic Chino Valley, AZ, Country West stands as an idyllic 55+ Manufactured Home Community and RV Park. With a rich history spanning over 25 years, this family-owned and operated enclave has cultivated a warm and engaging atmosphere, brimming with activities tailored for active seniors. Their homes offer affordable senior living options, with prices ranging from $90,000 to $290,000. In addition to homes, they provide full hook-up RV sites and storage facilities. As an authorized dealer for Cavco Homes, they can also facilitate orders for new manufactured homes to be situated on any vacant lot within Country West.

Levie Homes

Established in 1983 by Darwin Levie, Levie Homes has been at the forefront of providing affordable mobile homes in Chino Valley and Paulden. Additionally, they have played a significant role in developing plots in Granite Mountain Homesites, situated on Williamson Valley Road. Selling the exquisite craftsmanship of Champion Homes, manufactured right here in Arizona, the Bistro Bay model stands out, showcasing state-of-the-art design and functionality. Their inventory comprises a broad spectrum of Manufactured Homes, alongside numerous Land Home Packages that are prepped and ready for immediate occupancy.

Mountain View

Mountain View in Chino Valley, Arizona, is a serene retreat nestled in over 10.6 lush acres with 84 spacious lots suitable for mobile and RV homes. Conveniently located near recreation, shopping, and health facilities, the park offers oversized lots that are 25%-35% larger than typical area lots. Their community, a mix of professionals, retirees, and military personnel, enjoys easy access to Prescott off Highway 89. They also provide attractive move-in specials, ensuring a smooth and affordable transition to their welcoming community. These are just a few of the best local manufactured home retailers, manufacturers, dealers, and communities in Chino Valley, AZ. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

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 Chino Valley

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

Covers damage caused by water from sources such as
broken pipes, overflows, or sewage backups. This coverage can be especially important
in areas where monsoon storms can cause flooding or heavy rains result in water
damage.

Mold can be a common problem in homes that have experienced
water damage, making this coverage an important consideration. Look for policies that
include mold coverage to ensure you're protected.

This coverage pays for damage to essential home
systems such as air conditioning, heating, and electrical systems due to a mechanical
or electrical breakdown. This could be particularly important in a hot climate like Chino
Valley.

Protects you in the event that you're found legally
responsible for causing bodily injury or property damage to someone else. This
coverage can be especially important if you have a lot of visitors to your home.

Covers you in the event that you're sued for things like libel,
slander, or invasion of privacy. This coverage can be particularly important if you're
active on social media or have a personal blog where you express opinions that could
be potentially harmful to others.

Provides protection in the event that your identity is stolen.
This coverage can help reimburse you for expenses related to restoring your identity
and repairing damage to your credit score.

This covers high-value items that may
exceed the limits of your policy's personal property coverage. Examples could include
jewelry, fine art, or musical instruments.
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
Chino Valley, 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 Chino Valley, AZ, don't hesitate to get a CoverTree quote now.

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