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.
El Mirage experiences 167.8 days annually when the high temperature is over 90°, which is hotter than most places in Arizona. Heat waves are common during summer months, with July being the hottest month with an average high temperature of around 106 degrees. Extreme heat events can pose significant health risks, especially for vulnerable populations like the elderly, children, and people with pre-existing medical conditions. Exposure to high temperatures for prolonged periods can lead to heat exhaustion, heat stroke, and other heat-related illnesses that can be life-threatening if left untreated.
Summer storms are rare in El Mirage but when they do occur, they bring powerful thunderstorms with flash flooding risks. Flash floods can occur suddenly and with little warning, putting people and property at risk.
2,526 properties in El Mirage have greater than a 26% chance of being severely affected by flooding over the next 30 years, which represents 54% of all properties in El Mirage. Flooding can cut off access to utilities, emergency services, transportation, and may impact the overall economic well-being of an area. El Mirage has a moderate risk of flooding over the next 30 years, which means flooding is likely to impact day-to-day life within the community.
El Mirage is investing in flood risk reduction projects, but more may be needed to adequately prepare for potential flood events.
There are 11,972 properties in El Mirage that have some risk of being affected by wildfire over the next 30 years. Wildfires can spread quickly and pose a significant threat to people, property, and wildlife. El Mirage has an extreme risk of wildfire over the next 30 years based on the level of risk the properties face. It’s important to take precautions to reduce wildfire risk, such as maintaining defensible space around homes and buildings, having evacuation plans in place, and being prepared to act quickly in the event of a wildfire.
Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.
Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.
Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.
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.
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.
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.
Pueblo El Mirage, situated in El Mirage, Arizona, is a premier 55+ RV and Golf Resort. With options ranging from 378 RV sites to vacation rentals and home ownership, residents have an array of choices for their stay. Not only does it boast a championship golf course and 26 pickleball courts, but the resort also offers a pool, hair salon, library, computer room, and specialized workshops for crafts. Weekly events, such as live music and food trucks, keep their community entertained. Its location near Phoenix ensures easy access to local attractions and essential health care services
Located in El Mirage, AZ, Coppersun is a 55+ manufactured mobile home community designed for the perfect retirement lifestyle. Embrace Arizona's radiant sunshine and scenic beauty, relax by the pool, or engage with friends at the clubhouse. The palm-tree-lined streets invite peaceful strolls or sunset walks, making it an ideal spot for both relaxation and socialization. Coppersun ensures residents enjoy a vibrant and hassle-free living experience in the heart of Arizona.
Rosewood Estates is a gated community located in the Northwest Valley. Local conveniences include shopping, dining and entertainment. The community features a jacuzzi and two pools and residents enjoy planned activities and events throughout the year!
Palm Vista in Avondale, Arizona is the family-friendly manufactured home community you've been dreaming of. Offering a variety of home designs tailored to your needs, this affordable, low-maintenance community is not only a place to live but a lifestyle to embrace. Enjoy resort-style amenities on-site and the blend of a bustling metropolis with the charm of scenic landscapes. Experience quality living without breaking the bank at Palm Vista.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in El Mirage, AZ
Provides coverage for the structure of your mobile home,
manufactured home, prefabricated home, or RV in the event of damage or destruction.
Protects your personal belongings inside your mobile
home, manufactured home, prefabricated home, or RV against loss or damage.
Covers you financially if you are found legally responsible for injury
or property damage to others while on your property or while using your RV.
Offers protection against damages caused by strong winds and
windstorms, which are common in the El Mirage area.
Provides coverage against damages caused by flooding, including
flash floods that can occur in the area
Protects your mobile home, manufactured home, prefabricated
home, or RV against damages resulting from earthquakes, which are a possibility in
Arizona.
Ensures that your damaged property is replaced with
new items at current market prices, regardless of their depreciated value.
Covers the cost of temporary living
arrangements if you are unable to live in your mobile home, manufactured home,
prefabricated home, or RV due to covered damages.
Provides coverage for medical expenses if a guest is
injured on your property or in your RV, regardless of fault.
For mobile homes or manufactured homes
that are unoccupied for extended periods, this coverage protects against risks
associated with vacant properties, such as vandalism or theft.
Offers assistance if your RV breaks down
while on the road, including towing, battery jump-starts, fuel delivery, and locksmith
services.
Provides an extra layer of liability protection beyond the
limits of your underlying mobile home, manufactured home, prefabricated home, or RV
insurance policy.
Protects you financially if you
are involved in an accident with a driver who is uninsured or underinsured.
Insurance coverage and requirements may vary between different insurance providers.
It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in El Mirage, AZ to understand the specific coverage options available
to you. 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 El Mirage,
AZ, and can tailor a policy that meets your unique requirements.
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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