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Protect Your Manufactured Home in Flagstaff, AZ

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

Welcome to Flagstaff, AZ - where you can enjoy year-round outdoor activities at an elevation of 2 kilometers above sea level, surrounded by one of the largest pine forests on Earth. The City of Flagstaff is a regional center and county seat for Coconino County, the second-largest county in the 48 contiguous states by area. Flagstaff is more than just the closest city to Grand Canyon National Park or home of Northern Arizona University.

It is a vibrant, small city with a thriving local and mountain culture that invites outdoor enthusiasts from all over the world and from other parts of Arizona to come take advantage of its vibrant alpine setting, cool weather, and even cooler lifestyle. The community's 70,000 people prioritize family, community, work, and play balance in their daily lives.

Flagstaff's elevation also makes for mild summers and snowy winters, allowing for outdoor activities in all four seasons. During the summer months, you can enjoy scenic gondola rides, sunset dinners, and live music amid the gorgeous pines. Meanwhile, the winter months are perfect for skiing and snowboarding at Arizona Snowbowl, the Southwest's oldest ski resort. Flagstaff also provides cross-country skiing and snow-biking courses for outdoor enthusiasts at Arizona Nordic Village. Aside from outdoor activities, Downtown Flagstaff is one of the best downtown scenes in Arizona. It boasts trendy restaurants, craft breweries, coffee shops, music venues, and galleries showcasing the local arts scene. The downtown streets host more than 25 annual events, from genre-spanning music concerts, Celtic celebrations, to food, wine and theater festivals. Flagstaff was even designated Arizona's Craft Beer Town in 2018, with no shortage of welcoming spots to grab a local ale, from trendy microbreweries to community institutions.

Science lovers won't want to miss a trip to Lowell Observatory: Pluto was discovered there in 1930, and the community celebrates its history of scientific achievement annually at the I Heart Pluto Festival. Flagstaff draws its name from a very tall flagpole made of a pine tree to celebrate our nation's centennial in 1876. Flagstaff is also rich in cultural diversity, beauty, and history, dedicating considerable resources to address environmental issues and local conservation efforts. The Environmental Services Division works to ensure that all residents of Flagstaff are provided a clean, safe, and ecologically sound environment. Healthcare is not a concern, as Flagstaff has a dedicated medical facility with over 148 physicians, representing 36 medical specialties at Flagstaff Medical Center.

Flagstaff enjoys four distinct seasons, and the City averages 288 days without precipitation each year, encouraging year-round outdoor activities for locals and visitors. Whether you're already fortunate enough to call this place home or have your sights set on relocating to this beautiful destination, you're in for an enchanting experience.

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

Weather Risks

Flagstaff, AZ is at risk of several weather-related and environmental hazards. People in Flagstaff, AZ are especially likely to experience increased risks from heat, fire, and poor air quality.

  • The number of hottest days in Flagstaff is projected to keep increasing, and the vulnerability to heat-related illness is medium-high because of insufficient capacity and resources to prepare and protect vulnerable populations from the effects of extreme heat and cold. By 2100, up to half of the year is projected to have days above 90°F or below 32°F.
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.

Flagstaff, AZ Neighborhoods to Consider

Property Crime Rates

Property crime is relatively high in Flagstaff, AZ. Property crimes such as burglary, larceny over fifty dollars, motor vehicle theft, and arson are tracked for this analysis. It is important to note that violent crime rates in Flagstaff are also high, including offenses such as rape, murder, armed robbery, aggravated assault with a deadly weapon.

Your chance of becoming a victim of:

Overall, it is important to be cautious and take necessary precautions to protect oneself from becoming a victim of property crime in Flagstaff.

Payment Options

Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.

Underwriting Process

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

Mitigation Measures

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

Policy Expiration and Renewal

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Coverage Limits and Sublimits

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Exclusions and Limitations

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

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?

Mobile home and manufactured home owners in Arizona may be required to have insurance coverage that includes liability protection and coverage for damages and losses.

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 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 Flagstaff, AZ

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

Elden Shadows

Elden Shadows, located just 2 miles from the city limits of Flagstaff in the Doney Park area, is a pristine 51-space manufactured home community. Known for its cleanliness, this family-owned community boasts large spaces, accommodating bigger homes, wide streets, and lush greenery, including a park and playground. While Elden Shadows is a pet-free community, assistance animals are always welcomed. Just a short drive away, residents can enjoy shopping at the Flagstaff Mall, situated only 3 miles from the community.

Colony & Jo Don MHC

Colony MHC and Jo Don MHC offer affordable housing solutions in our city, catering to hundreds of families and individuals. Colony, an all-age community, has 171 owner-occupied homesites, a community center for events, and storage options for RVs or boats, with rent ranging from $700-$775/month plus utilities. Meanwhile, Jo Don MHC, with 106 unique-address homesites, provides city amenities like water, sewer, electricity, and spacious streets. With a homesite rent of $800/month plus city utilities, Jo Don residents can also access Colony's Community Center and utilize the expansive storage yard. Consider joining our proud communities at Colony or Jo Don for your housing needs.

Westglen Mobile Home Park

Westglen Mobile Home Park, situated on historic Route 66 in West Flagstaff, is a family-friendly community with 205 manufactured home spaces. Not only is the park pet-friendly, but it also boasts shady trees, communal areas, a playground, and nearby hiking trails. While recreational vehicles aren't accommodated, residents are just a short 2.5-mile drive from Downtown Flagstaff, where they can enjoy breweries, diverse dining, and a range of entertainment options.

Northern Arizona Manufactured Housing

Northern Arizona Manufactured Housing is a trusted dealer for mobile and manufactured homes in the Flagstaff area. They have a wide selection of homes and provide dependable service to their customers.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 Flagstaff, AZ

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

Provides coverage for the structure of your mobile home,
manufactured home, prefabricated home, or RV in the event of damage or destruction.

Offers protection against damages caused by strong winds and
windstorms, which are common in the Flagstaff area.

Flagstaff and its surrounding areas are prone to wildfires. It
is important to ensure that your mobile home insurance policy includes coverage for
wildfire damage.

Flagstaff experiences harsh winters
with heavy snowfall. Having coverage for issues like roof collapse due to the weight of
snow or damage from ice dams can be crucial.

Mobile homes in Flagstaff are
susceptible to wind and snow damage. A comprehensive home insurance policy should
include added coverage for these types of damage.

While not common, flooding can occur in Flagstaff
and the surrounding areas. It's important to confirm with your insurance provider
whether or not flood damage is included in your policy.

Hailstorms are another common occurrence in Flagstaff.
Homeowners should make sure their home insurance policy offers protection against
hail damage to avoid high repair costs.

A mobile or manufactured home
insurance policy in Flagstaff should cover personal property in the event of damage or
theft. Homeowners should ensure that their coverage limit is sufficient to protect all of
their possessions.

This coverage can protect homeowners from lawsuits if someone is
injured while on their property.

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

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 Flagstaff, 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 Flagstaff,
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

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 Flagstaff, AZ, don't hesitate to get a CoverTree quote now.

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