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

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

Welcome to Eloy, Arizona – an oasis of history and skydiving in the Sonoran Desert!

Situated amidst the sweeping landscapes of Arizona’s Sonoran Desert, Eloy stands as a testament to the resilience and adaptability of desert communities. Flanked by cacti-studded vistas, with the backdrop of distant mountain ranges, Eloy has etched its unique mark on Arizona’s vast tapestry.

The origins of Eloy trace back to the early 20th century, when the Southern Pacific Railroad carved its tracks through the desert, bringing with it settlers and economic opportunities. As with many communities of the Old West, Eloy’s early days were marked by ranching, agriculture, and a sense of frontier independence. Today, remnants of that pioneering spirit can still be felt in the town’s architecture, its historic districts, and the tales of its long-time residents.

However, while history is an essential part of Eloy’s charm, the city has earned a modern reputation that draws thrill-seekers from around the world: skydiving. Eloy is often touted as the “Skydiving Capital of the World.” Thanks to its clear skies, low rainfall, and vast open spaces, the conditions here are almost always perfect for the sport. Skydive Arizona, based in Eloy, is one of the largest skydiving facilities globally and offers experiences ranging from tandem jumps for novices to advanced training for seasoned skydivers.

Beyond the adrenaline rush of free falls, Eloy’s natural beauty and tranquility have a magnetism of their own. The Picacho Peak State Park, a short drive away, is famed for its springtime wildflower displays and the iconic Picacho Peak, which offers challenging hikes and panoramic views.

Agriculture, too, remains a vital part of Eloy’s character. The desert, with its scorching days and cool nights, offers a unique cultivation environment. Eloy and its surroundings are known for cotton farming, and as you drive through the outskirts, it’s not uncommon to see sprawling cotton fields, their white, fluffy flowers shimmering in the sunlight.

Culturally, Eloy celebrates its heritage and the diverse tapestry of its population. Events like the annual Cotton Festival pay homage to the town’s agricultural roots, combining fun, food, and entertainment with an appreciation of Eloy’s farming history. Yet, for all its attractions, perhaps Eloy’s most enduring quality is its sense of community. It’s a place where neighbors know each other, where local businesses thrive on word-of-mouth, and where the desert’s timeless rhythms echo in the everyday lives of its residents. To visit Eloy is to experience a blend of history and modernity, of earth-bound farming and the ethereal thrill of skydiving, all set against the vast, unyielding beauty of the Sonoran Desert. Whether you’re gazing at the horizon from thousands of feet in the air or simply enjoying a desert sunset, Eloy invites you to be part of its ever-evolving story.

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 Eloy, AZ

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

Weather Risks in Eloy, AZ

  • Date & Time: The monsoon storm hit the area around 7 p.m., July 17, 2022.
  • Areas Affected: Eloy, Arizona City, and parts of Casa Grande.
  • Impact:
    • The storm caused power outages for approximately 10,700 residents.
    • Power outages in parts of Eloy may extend to Wednesday.
  • Official Responses:
    • Eloy Mayor Micah Powell and Arizona Public Service Co. Community Affairs Manager Richard Rosales kept residents updated via personal social media accounts.
    • Assistance and services such as dry ice were made available to affected residents.
    • Central Lutheran Church in Casa Grande opened a cooling center.
    • Notable damage included downed large trees at a farm on Chuichu Road, hinting at the severity of the storm.

  • Description: Eloy has an extreme risk from heat due to rising “feels like” temperatures. About 98% of homes in Eloy have an Extreme Heat Factor®.
    • Properties at Risk: Total of 17,907 with 17,600 under ‘Extreme’ category.
  • Trends: Heat waves are more likely as “feels like” temperature increases. The “hot day” temperature for Eloy is defined as 112ºF. 30 years ago, the likelihood of a 3-day or longer heat wave in Eloy was 12%.

  • Description: Over the next 30 years, Eloy has a major risk of wildfires affecting 84% of all properties (15,080 properties).
    • Property Risks:
      • Residential: Major risk to 3,685 out of 3,896 homes.
      • Commercial: Major risk to 239 out of 265 commercial properties.
      • Critical Infrastructure: Major risk to 14 out of 21 facilities.
      • Social Facilities: Severe risk to 16 out of 17 facilities.
  • Implications: Wildfires can disrupt utilities, hinder emergency services, obstruct evacuation routes, and strain the local economy.
  • Protections: Eloy has taken steps towards wildfire control projects. However, there’s scope for further preventive measures.

Recommended Attractions in/around Eloy, AZ

  • Skydive Arizona
  • Droplyne Hot Air Balloons
  • Robson Ranch Golf Club
  • OnTrack BMX
  • Stage Station and Homestead Historical Site
  • Tumbleweed Inn
  • Sunland Visitor Center
  • Ironwood Forest
  • Fiestas Patrias
  • Picacho Peak State Park

Property Crime Rates in Eloy, AZ

Here's an in-depth breakdown of the crime scenario in Eloy, Arizona

Property Crime Rates in Eloy, AZ

  • Eloy’s overall crime rate is 21 crimes per 1,000 residents. While this isn’t the highest in the country, it’s still considerably higher than the national average. The chance of an individual becoming a victim of either violent or property crime in Eloy stands at 1 in 48.

  • Within the confines of Arizona, Eloy doesn’t fare particularly well. With a crime rate surpassing 72% of other cities and towns in the state, Eloy stands out as a higher-crime area within Arizona.

  • When juxtaposed against communities of a similar population, Eloy’s crime picture becomes clearer. Its crime rate per thousand residents is notably higher than most of its peers, regardless of its standing on a national scale.

Violent Crime Insights:

Property Crime Insights:

The data paints a detailed picture of Eloy, AZ’s struggles with both violent and property crimes. While it doesn’t rank among the highest crime areas in the country, its significant rates, especially when compared to communities of similar size, call for action. Local law enforcement, civic leaders, and community members must work collectively to implement strategies that can curb criminal activities. This might include initiatives like community policing, increased surveillance in high-crime areas, and fostering community engagement and collaboration.

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

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.

Check Customer Reviews

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

Coverage for Personal Belongings

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.

Potential Rate Increases

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

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 Eloy

Finding the Best Mobile Home Insurance In Eloy

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Eloy’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: Eloy experiences dust storms. This endorsement provides coverage for damages to your mobile home caused by dust storms, including damage to exterior surfaces and systems.

  • Reasoning: If you frequently use your RV for desert adventures, this coverage offers liability protection for accidents or injuries that might occur during off-road excursions or outdoor activities.

  • Reasoning: To protect against strong winds, installing windbreaks can be effective. This endorsement covers the cost of windbreak installation around your mobile home.

  • Reasoning: Maintaining cooling systems in the Arizona heat is vital. This coverage helps with maintenance and repairs of cooling systems to keep your mobile home comfortable.

  • Reasoning: If you store your RV in a desert environment, this coverage addresses damages or wear and tear specific to desert storage conditions, including sun and sand exposure.

  • Reasoning: Desert environments can be tough on tires. This endorsement offers coverage for RV tire damage due to extreme heat, dry conditions, or rough terrain.

  • 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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