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Protect Your Manufactured Home In Fountain Hills, 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 Fountain Hills, AZ: Costs, Coverage, and Considerations

Welcome to Fountain Hills, Arizona - a mesmerizing desert jewel with the World’s fourth-tallest fountain!

In the rugged expanses of the Arizona desert, Fountain Hills emerges like an oasis, fusing the raw beauty of the Sonoran Desert with the elegance of urban design. It's a place where natural landscapes meet man-made wonders, and where community spirit thrives amidst the backdrop of one of the state's most iconic landmarks.

Named after the towering fountain at its heart, Fountain Hills is a relatively young community compared to many other Arizona towns. It was officially founded in the early 1970s, but in its short history, it has managed to carve out a distinct identity that seamlessly marries its natural surroundings with art, culture, and a touch of the avant-garde.

Central to the town's identity is the Fountain Park, home to one of the world's tallest fountains. Shooting water over 560 feet into the air, this fountain, when it was constructed, held the record as the world's tallest and today remains in the top five. Every hour, visitors are treated to a spectacular display as the geyser-like fountain sends a jet of water skyward, reflecting the town's aspirations and its constant push towards excellence.

But Fountain Hills is more than its central water feature. The town is also known for its dedication to the arts. Stroll through its streets, and you'll encounter a diverse array of public art – from sculptures to murals, reflecting the community's creative spirit. The annual Fountain Hills Great Fair showcases arts and crafts, food, music, and entertainment, drawing visitors from all corners of the state and beyond.

Nature lovers are drawn to the McDowell Mountain Regional Park, which borders Fountain Hills. This vast natural playground is crisscrossed with trails perfect for hiking, mountain biking, and horseback riding. The vistas from the park's higher elevations provide panoramic views of the surrounding desert, with Fountain Hills' signature fountain often visible, punctuating the landscape.

Fountain Hills has also become a hub for golf enthusiasts. The town boasts several world-class courses, set against the stunning desert backdrop, providing a unique golfing experience that combines sport with unparalleled natural beauty.

However, at its core, Fountain Hills remains a tight-knit community. Its design, with neighborhoods spiraling out from the central fountain, fosters a sense of closeness among residents. Annual events, community programs, and local businesses all contribute to this camaraderie, making residents feel they're part of something special.

In essence, Fountain Hills is a testament to human ingenuity and the power of community. It showcases how a barren desert landscape can be transformed into a thriving town, where natural beauty and human-made wonders coexist in harmony. Whether you're drawn by its artistic flair, its natural landscapes, or simply the allure of its famous fountain, Fountain Hills promises an experience that's both enriching and uniquely Arizonan.

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

Weather Risks in Fountain Hills, AZ

  • Description: Overexposure to extreme heat can lead to medical conditions such as heat cramps, heat exhaustion, and potentially life-threatening heat stroke. There’s a very high risk of harm from unprotected sun exposure in Fountain Hills.
  • Prevention: To lessen the impact, take frequent breaks and avoid the hottest parts of the day. Ensure proper sun protection by using sunscreen, wearing protective clothing, and seeking shade during peak UV hours.
  • Description: The area is susceptible to severe storms.
  • Recent Weather Reports (Sept 12-13):
    • Today (Sept. 12): Sunny intervals with thunderstorms; 60% precipitation chance; 0.071 inches expected rainfall.
    • Tomorrow (Sept. 13): Sunny intervals with thunderstorms; 60% precipitation chance; 0.024 inches expected rainfall.
  • Warnings: Severe Thunderstorm Warning has been issued for Fountain Hills. Hot weather persists across the South, including southern Plains.
  • Description: Fountain Hills has had recorded incidents related to hail.
  • Data:
    • No reports of on-the-ground hail by trained spotters.
    • The area has been under severe weather warnings 31 times in the past 12 months.
    • Doppler radar detected hail near Fountain Hills on 21 occasions.

Fountain Hills, AZ faces multiple weather and climate-related risks, including major heat risk, severe storms, high UV exposure, and hail incidents. Residents and visitors should stay informed about current weather conditions, heed official warnings, and adopt preventive measures to ensure safety.

Recommended Attractions in/around Fountain Hills, AZ

  •  One of the world’s tallest fountains, it shoots water up to 560 feet into the air for 15 minutes every hour between 9:00 a.m. and 9:00 p.m. With sophisticated lighting, the fountain becomes a stunning evening spectacle.
  • Spread across 64 acres, the park boasts of an amphitheater, an 18-hole disc golf course, a splash pad, and an exquisite lawn for events. For art enthusiasts, there’s a 36-piece public art display. The park also houses the Fountain Hills Veterans Memorial and provides picnic facilities with reservable ramadas.
  • Showcasing works of over 30 artists, it has become a hub for artists in the region. Artist Receptions are open to the public every second Friday of the month.
  • Situated near the iconic fountain, this gallery offers monthly gatherings and showcases local art.
  • For over 30 years, this theater has showcased artistic talents in Youth, Mainstage, and Mainstage Too productions. It operates as a non-profit and has a rich history in the region.
  • Take a journey through time and explore the history of the Lower Verde River Valley, from ancient civilizations to the pioneers who shaped the region.
  • Established in 1975, the garden offers a serene experience with a plethora of desert plants, unique rock formations, and scenic beauty.
  • Managed by the Sonoran Conservancy of Fountain Hills, this preserve offers guided tours covering more than five miles. For those looking for an extended adventure, there’s the McDowell Mountain Regional Park nearby with over 50 miles of trails.
  • A popular hiking spot, this trail provides panoramic views of Fountain Hills and its surrounding mountains.
  • These two golf courses offer unparalleled golfing experiences, with breathtaking views and challenging terrains.

Property Crime Rates in Fountain Hills, AZ

Here's a summarized analysis of the crime scenario in Fountain Hills, Arizona:

  • Fountain Hills has a crime rate of 13 crimes per 1,000 residents. While this is higher than the national average, it’s not at the top tier of communities with the highest crime rates. Residents have a 1 in 77 chance of becoming a victim of either violent or property crime.
  • When assessed in relation to other places within Arizona, Fountain Hills’ crime rate is higher than 54% of the state’s other cities and towns. This places it in the upper half of communities in Arizona in terms of crime rate.
  • Interestingly, when Fountain Hills’ crime rate is matched against communities with similar population numbers across the U.S., it emerges as relatively safer. Despite its higher-than-average standing in Arizona, on a broader scale against like-sized communities, it has a crime rate that is notably lower.

Violent Crime Insights:

Property Crime Insights:

Fountain Hills presents a mixed bag when it comes to its crime landscape. While its overall crime rate is higher than the national average, making it relatively less safe within Arizona, its standing improves considerably when compared to communities of similar size across the U.S. The data underscores the importance of nuanced, comparative analyses when evaluating the safety of a community. Efforts to enhance safety in Fountain Hills could benefit from a focus on curbing violent crimes, given its higher rate in that category.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Discounts and Bundling Options:

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

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.

Premium Costs:

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

Stability of the Insurance Company:

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.

Age and Condition of the Home:

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.

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?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

Arizona Mobile Home Facts

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.

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:​

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 or Community in Fountain Hills, AZ

If you're in the market for a mobile or manufactured home in Fountain Hills, it's important to have access to reliable and trustworthy information. Fountain Hills, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Fountain Hills has something for everyone.

Pueblo Sereno

Type: Luxury Manufactured Homes for Age Qualified (55+)
Location: 8350 E. McKellips Road, Scottsdale, AZ 85257
Phone: (480) 946-4205
Email: Community Manager: Gerry Ferrera Amenities: Gated entrance, resort-style pool & spa, stocked lake with a fountain, pitch & putt golf holes & putting green, fitness center, billiards & cards rooms, pickleball courts, and more.
Points of Interest: Golden Restaurant & Bakery, Chula Seafood, Green New American Vegetarian, Big Surf, Oceanside Ice Arena, Tempe Marketplace, Phoenix Rising Soccer Complex, Arizona State University, Papago Park, Old Town Scottsdale, Scottsdale Fashion Square.

Cypress Estates 55+ Community

Location: 3330 E. Main Street, Mesa AZ 85213
Phone: (480) 830-3001
Email: Benefits: Gated entrance, ground-set homes with long-bordered sidewalks, new homes available.
Featured Home: Clayton Waco Home 16x60 (Details available on their website).

Shadow Hills (All-Age Community)

Location: 1802 E Campo Bello Dr. Phoenix, AZ 85022
Phone: 602-867-7644
Amenities: Pool, hot tub, volleyball and basketball courts, playground, picnic area.
Nearby: Close to schools, parks, shopping, and dining.

Fountain Hills's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Fountain Hills

It's essential to compare quotes from various insurance providers and work with local agencies that understand Fountain Hills'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: Desert landscaping is common in Fountain Hills. This endorsement provides coverage for damages to desert plants and outdoor property features caused by extreme weather or pests.
  • Reasoning: If you’ve upgraded your RV with luxury features, this coverage offers protection for these upgrades, such as high-end appliances, entertainment systems, or custom interiors.
  • Reasoning: To combat the Arizona sun, shade sails are often used. This coverage addresses damages to or replacement of shade sails for your mobile home.
  • Reasoning: Fountain Hills has a golf course. If you live near or use the golf course, this coverage offers liability protection for accidents or injuries that might occur during golf-related activities.
  • Reasoning: If you use your RV for golf course adventures or stay in golf course RV parks, this endorsement provides liability protection for accidents or injuries that might occur during these activities.
  • Reasoning: For RVs equipped with high-end accessories like gourmet kitchens or home theater systems, this coverage offers protection for these luxurious accessories.

 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

Now that you've got the lowdown on mobile home insurance coverage in Fountain Hills AZ, don't hesitate to get a CoverTree quote now.



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