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.
A microburst is a sudden, powerful, and localized air current that descends beneath a thunderstorm and hits the ground, fanning out in all directions. These intense downdrafts can be particularly destructive and are often mistaken for tornadoes because of the damage they can inflict.
Wind speeds in a microburst can reach up to 100 mph or even higher in extreme cases, which can damage buildings, uproot trees, and topple power lines. Microbursts are notorious for the risks they pose to aircraft, especially during takeoff or landing. The rapid change in wind speed and direction can be disastrous for planes. If the microburst occurs during heavy rainfall, the intense downdraft can exacerbate localized flooding.
While many regions expect cold during winter, a sudden and severe drop in temperatures that deviates from the norm is termed a cold snap. These can last for several days and can be particularly hazardous in areas, like Glendale, that are unprepared for such cold. Cold snaps can cause a strain on local infrastructure and services. Pipes can freeze and burst, causing significant water damage, while roads can become icy and treacherous.There are also health risks in these situations like hypothermia and frostbite. There also generally is an increase in energy demand.
Hailstorms occur when updrafts in thunderstorms carry raindrops into extremely cold areas of the atmosphere, where they freeze into balls of ice. These balls of ice can range from the size of small peas to the size of golf balls or even larger. They can cause vehicle damage as well as damage to mobile homes, as structures exposed to hail can experience dents, broken windows, or other types of damage. You also risk:
When considering insurance or protective measures for a property, it’s essential to be aware of all potential weather-related risks in the area. Preparing for even infrequent events can prevent significant damages and losses.
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.
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.
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.
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.
Clayton Homes of Glendale is more than just a housing dealer; they're a partner in your journey towards owning the perfect home. They truly understand that a house is not just bricks and walls – it's where memories are made, families grow, and dreams are realized.
Glendale West is not just a community; it's a lifestyle hub nestled in the heart of Glendale. Its prime location gives residents a unique blend of urban convenience and community charm. Just a stone's throw away from premium shopping destinations, the Loop 101, and the iconic University of Phoenix Stadium, you're always close to where the action is. Yet, within the boundaries of Glendale West, a world of leisure, comfort, and camaraderie unfolds. Our range of top-notch amenities ensures there's something for everyone: Swimming Pool, Playground, Clubhouse, Storage Sheds, Picnic Area, Basketball Courts, RV and/or Boat Storage, Keyed Mailboxes & a Dog Park. Beyond the physical amenities, what truly sets Glendale West apart is the sense of community. They believe in fostering connections and building a neighborhood that cares. They have regular resident events and planned activities that are designed to bring everyone together, forging friendships and creating lasting memories.
Located amidst the picturesque backdrop of the White Tank Mountains and the Superstition Mountain, Palm Shadows emerges as a premier 55+ retirement mobile home community in Glendale, AZ. This haven embodies the epitome of the Arizonian lifestyle. Drenched in the warmth of the desert sun, Palm Shadows does more than just offer a place to reside. It offers a vibrant community setting where residents can easily connect, engage, and relish the best years of their life. Frequent community-organized activities ensure there's always something exciting on the horizon. The expansive clubhouse becomes the focal point for gatherings, cementing friendships and fostering camaraderie.
Blue Sky Mobile Home Park, situated in historic Glendale, Arizona, offers a 55+ gated community experience, blending the charm of a hometown with modern amenities. Residents enjoy large lots, a heated pool, jacuzzi, community center, and an array of activities, all with the backdrop of 300+ sun-soaked days. Its prime location provides easy access to golf courses, parks, shopping centers, and more, ensuring a vibrant lifestyle.
Royal Glen Mobile Home Park in Glendale, Arizona is a pet-friendly community offering both mobile homes for sale and rent, as well as full-hookup RV spaces. As a MAR community, it streamlines the home acquisition process, and features amenities like a gated pool, clubhouse, and laundry facilities. Perfectly situated in Glendale's bustling center, residents have easy access to the city's top shops and restaurants, making it suitable for individuals and families of all ages.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Glendale
Glendale, AZ is prone to monsoon
storms in the summer months, which can bring strong winds, hail, and heavy rain.
Mobile homes can be particularly vulnerable to these types of weather events, so it's
important to ensure that you have adequate coverage for damage caused by these
events.
Like most of Arizona, Glendale can experience
very hot temperatures during the summer months. This can lead to damage of the
home's roof, siding, and other exterior components. Coverage for heat-related damage
can help protect homeowners against these types of risks.
Glendale, AZ is located in a flood-prone area, and mobile
homes are particularly susceptible to flood damage. Homeowners should ensure that
their policy includes coverage for flood damage to their mobile home. It's worth noting
that flood coverage is not typically included in standard home insurance policies, and
may need to be added as a separate policy.
Mobile homes are often located in mobile home parks or
communities, which may have specific liability risks. A homeowner should ensure that
they have liability coverage in their home insurance policy, which can help protect them
against legal and medical expenses if someone is injured on their property.
Because Glendale, AZ, is occasionally home to
microbursts, heavy winds, and hailstorms, homeowners should purchase wind and hail
damage coverage to protect their homes.
Hailstorms are another common occurrence in Gilbert.
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 Glendale 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.
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 Glendale, 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 Glendale,
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.
Copyright © 2022 CoverTree Inc. All rights reserved
Any questions?
+1 (877) 417-8733
Call us at (877) 417-8733 or submit your information below
A CoverTree team member will be in touch within an hour
Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.
If we still can’t find it, please give us a call at (877) 417-8733 or email us at team@covertree.com.
