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

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

Welcome to Eagar, Arizona- The friendliest, high-altitude, hidden haven nestled in the White Mountains!

Tucked away in the vast expanses of the Apache-Sitgreaves National Forests, Eagar, Arizona serves as a refuge for those seeking the tranquility of high-altitude living amidst a panorama of pristine landscapes. This small town, situated in the picturesque White Mountains of eastern Arizona, embodies the spirit of the American Southwest in its rich history, unspoiled natural beauty, and tight-knit community.

Established in the late 19th century by Mormon pioneers, including the prominent Eagar family after whom the town is named, Eagar has retained its small-town charm while embracing the rhythms of modern life. Walking through its streets is like taking a journey back in time, where tales of settlers, Native American tribes, and nature’s ever-evolving story interweave.

With an elevation surpassing 7,000 feet, Eagar is a delightful anomaly in Arizona’s typically arid climate. The town enjoys a refreshing four-season climate, making it a year-round destination for outdoor enthusiasts. Winters are heralded by blankets of snow, which transform the region into a winter wonderland, ideal for skiing, snowboarding, and sledding. The nearby Sunrise Park Resort, just a short drive from Eagar, is a popular hub for winter sports.

Come spring, the snow gives way to lush meadows and blooming wildflowers, painting the landscape in a medley of colors. The warmer months offer the perfect conditions for hiking, camping, fishing, and bird-watching in the vast expanses of the Apache-Sitgreaves National Forests. The scenic byways, such as the Coronado Trail Scenic Byway, offer breathtaking views and the opportunity to spot diverse wildlife.

Eagar’s proximity to the Little Colorado River is yet another of its natural blessings. The river, with its cool waters and riparian habitats, is a haven for anglers and nature lovers alike. Moreover, Lyman Lake State Park, located a stone’s throw away, provides recreational opportunities ranging from boating and swimming to archaeological exploration.

The town’s cultural and historic sites, such as the Eagar School and the historic downtown, offer insights into the area’s past. Events like the annual Fourth of July celebrations are a testament to the town’s community spirit and showcase local arts, crafts, and traditions.

Yet, despite its many attractions, perhaps the most enchanting aspect of Eagar is its night sky. Far removed from the blinding lights of urban sprawls, the town offers some of Arizona’s clearest and most magnificent stargazing opportunities, making it a haven for astronomers and romantics alike.

In the end, Eagar is more than just a destination; it’s an experience. It’s where the pulse of history, the allure of nature, and the warmth of community converge. Whether you’re drawn to its history, lured by its natural splendors, or seeking a retreat from the hustle and bustle, Eagar, with its mountain air and boundless horizons, awaits to rejuvenate and inspire.

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 Eagar, AZ

Choosing the Right Mobile Home Insurance for Eagar, 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 Eagar, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Eagar, AZ

  • Description:
    • Fire Risk: Eagar faces an extreme fire risk, with a score of 83/100. A fire in this area has a high potential for very intense spread, which could be uncontrollable. Over the next 30 years, there’s a 6% chance of the area burning.
      • A total of 2,894 properties in Eagar are at risk of being affected by wildfires in the coming three decades, accounting for 99% of all properties.
      • About 16 days in 2050 will have very high-risk conditions for fire spread, a rise from 8 historically.
    • Heat Risk: The town has a minor risk from heat, with a score of 66/100. Historically, Eagar experienced about 7 hot days (above 86ºF) per year. This number is projected to increase to 43 hot days per year by 2050.
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Fire: Mobile and manufactured homes can be especially vulnerable to wildfires due to their construction materials and often, the lack of defensible space in park settings. Evacuation plans should be in place, and owners should be informed of high-risk days.
    • Heat: Prolonged heat can affect the durability of these homes and the comfort of those living inside. Proper insulation and air conditioning become essential for health and safety.

  • Description:
    • Storm Risk: With a score of 22/100, the yearly rainfall is anticipated to remain approximately 15.6″ through 2050. Extreme storms in this region involve a 48-hour rainfall total greater than 0.4″.
    • Drought Risk: The drought risk score stands at 17/100, significantly lower than the Arizona average. Current water stress is at 0.9%, with a slight projected increase to 1% by 2050.
    • Flood Risk: FEMA hasn’t mapped the area, and the flood risk score is a minimal 1/100.
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Storms: Strong storms can lead to leaks, damage, or, in severe cases, can topple mobile structures. Anchoring systems can provide some protection against storm winds.
    • Drought: While manufactured homes aren’t directly affected by drought, water scarcity can impact daily living.
    • Flooding: Mobile homes and RVs in low-lying areas can be at risk during heavy rainfalls. Owners should be aware of their surroundings and move if necessary.

  • Description:
    • Eagar has a low risk from hurricanes, severe storms, and volcanic hazards.
    • The area experiences dry weather.
    • Hail is always a possibility
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Dry Conditions: Dry conditions can exacerbate fire risks, and owners should ensure they clear dry vegetation around their homes.
    • Changing Climate: As the climate changes, understanding these risks helps in making informed decisions about home maintenance, location, and insurance needs.

Recommended Attractions in/around Eagar, AZ

  • R Lazy J Wildlife Ranch
  • Springerville Heritage Center
  • Sunrise Park Resort
  • West Baldy Trail
  • Horse Riding
  • Butterfly Lodge Museum
  • Little Bear Archaeological Site
  • Fishing at Big Lake
  • Apache County Historical Society Museum
  • Thompson Trail

Property Crime Rates in Eagar, AZ

Here's a concise analysis of the crime situation in Eagar, Arizona

Property Crime Rates in Eagar, AZ

  • Eagar, AZ, boasts a crime rate that is lower than the national average. The total crime rate is 6 per 1,000 residents, which is notably below the national average.

  • Eagar’s violent crime rate is 13.3, considerably lower than the U.S. average of 22.7. The property crime rate stands at 23.6, which is also lower than the U.S. national average of 35.4.

  • Over the past years, crime rates in Eagar have shown some fluctuations. For instance, in 2019, violent crimes were 224.6 per 100,000 people, while in 2018 it was 184.6 per 100,000. Property crimes have seen more significant variations, ranging from 428.8 per 100,000 in 2019 to as high as 2715.7 per 100,000 in 2012.

Violent Crime Insights:

Property Crime Insights:

Concise Rates:

Eagar, AZ, seems to be a relatively safe town with crime rates consistently below the national average. The historically low occurrence of both violent and property crimes suggests a strong sense of security for its residents. While variations in annual crime rates are evident, the town’s overall trend indicates a safer environment when juxtaposed with the national scenario. Residents and potential settlers in Eagar can take solace in the town’s generally low crime rates, fostering a sense of security and well-being.

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

Group Discounts

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

Coverage for Relocation

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.


Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.

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.

Regular Policy Review

Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.

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 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 Eagar

Finding the Best Mobile Home Insurance In Eagar

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Eagar’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: Arizona experiences occasional hailstorms. This endorsement provides coverage for hail-resistant roof and siding materials to minimize damage from hail.

  • Reasoning: Eagar is surrounded by national forests. If you take your RV on forest adventures, this coverage offers protection for damages and accidents that might occur while navigating forest roads.

  • Reasoning: In a sunny climate like Eagar’s, planting shade trees can help reduce cooling costs. This endorsement covers the cost of planting and maintaining shade trees on your property.

  • Reasoning: Proper foundation maintenance is essential. This coverage provides funds for regular inspections and minor maintenance to ensure the stability of your mobile home’s foundation.

  • Reasoning: Wildlife encounters are common in Eagar. This endorsement offers liability protection for incidents involving wildlife interactions while camping or traveling in your RV.

  • Reasoning: Given the proximity to forests, this coverage provides financial assistance for evacuation and temporary accommodation expenses in case of a mandatory forest fire evacuation while traveling in your RV.

  • 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



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