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

Welcome to Guadalupe, Arizona - a rich tapestry of Yaqui, Chicano and Mexican-American Culture!

Hidden between the bustling metropolis of Phoenix and the sprawling expanses of Tempe, Guadalupe, Arizona, is a testament to the enduring spirit of cultural preservation and community kinship. Though it may be small in size, spanning just over a square mile, Guadalupe is a town with a heart vast in its warmth, tradition, and character.

Guadalupe's story is deeply interwoven with the indigenous Yaqui people. Fleeing persecution and conflict in their native Sonora, Mexico, during the late 19th and early 20th centuries, Yaqui families sought refuge across the border. The result was the formation of Guadalupe in the 1910s, a community that has since stood as a beacon of Yaqui and Mexican-American culture. One cannot talk about Guadalupe without mentioning its vibrant spiritual and cultural events. The annual Easter ceremonies, drawing on ancient Yaqui traditions, are a profound experience, resonating with the beats of traditional drums, the beauty of pascola dancers, and the depth of deer songs. These ceremonies are not mere performances but sacred rituals, reflecting the community's commitment to preserving its heritage.

Walking through Guadalupe, visitors are often struck by the vibrant murals that adorn the town. These aren't just art; they are visual narratives, telling stories of faith, struggle, hope, and the rich tapestry of Yaqui and Chicano heritage. These murals, much like the town itself, stand defiant against cultural erasure, echoing tales of resilience and pride.

In terms of attractions, the Our Lady of Guadalupe Church is an unmissable landmark. Beyond its spiritual significance, the church, with its intricate architecture and the serenity it offers, stands as a testament to Guadalupe's strong sense of community and faith.

h Guadalupe is often overshadowed by its larger neighbors, it offers a unique cultural richness. The harmonious blend of Yaqui and Mexican-American traditions, against the backdrop of the Arizona desert, creates an ambiance that's both timeless and deeply moving.

To visit Guadalupe is to step into a living museum of culture, faith, and community spirit. It serves as a poignant reminder that even in the vastness of the American Southwest, it's the smallest places that often hold the most significant stories. In a world that's rapidly changing, Guadalupe stands as a bastion of tradition, resilience, and unwavering community pride.

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

Weather Risks in Guadalupe, AZ

During the summer months, areas in Maricopa County, including Guadalupe, experience soaring temperatures, which can pose a significant hazard.

Implications and Mitigation Measures:

  • There’s an increased risk of heat-related illnesses, especially for children under 4 and adults over 65.
  • Prolonged exposure can result in severe health issues or fatalities.
  • Suggested preventive measures include public education at the onset of the extreme heat season, establishment of cooling stations, and partnering with NGOs for respite care and hydration stations.
  • Infrastructure adjustments such as the use of “cool roofs” and “cool pavements” can help mitigate the urban heat island effect.
  • Promotion of energy assistance programs, extension of cooling center hours, and maintenance of water distribution sites during heatwaves are recommended.

The monsoon season, which spans from June 15 to September 15, introduces the risk of flash floods and severe storms.

Implications and Mitigation Measures:

  • Flash floods can lead to property damage, injury, or loss of life.
  • There’s the risk of transportation disruptions and potential vehicle-related accidents.
  • Preparations include creating an emergency kit, tuning into storm warnings, and avoiding driving through running water.
  • It’s recommended to implement a community-wide stormwater management plan and water harvesting programs to address both flooding and drought.

Dust storms are a frequent occurrence in this desert region, and they can be extreme.

Implications and Mitigation Measures:

  • Dust storms drastically reduce visibility, posing significant risks to drivers.
  • There can be respiratory concerns for certain demographics.
  • For mitigation, residents are advised to close air vents and windows. If driving, they should pull over, turn off all vehicle lights, and wait for the storm to pass.

In addition to these primary risks, the region is also concerned with dam failure, drought, and wildfires. Implementing the mentioned mitigation measures can significantly reduce the potential damage and harm caused by these weather-related events in Guadalupe, AZ, and the surrounding regions.

Recommended Attractions in/around Guadalupe, AZ

  •  A captivating aquarium showcasing a range of sea creatures, including an immersive ocean tunnel.
  • A vast indoor shopping outlet featuring popular brands, an IMAX cinema, and the Sea Life Aquarium.
  • A scenic park offering walking alleys, a lake, playgrounds, and sports facilities.
  • A spectator-friendly baseball stadium celebrating notable teams that played there.
  • A shop brimming with authentic Mexican products, perfect for souvenirs.
  • A beautiful Hispanic Roman Catholic church with English and Spanish services.
  • This museum is the largest of its kind throughout the world.
  • A picturesque farm-based restaurant serving a wide array of delicious dishes.
  • A nature trail offering breathtaking views, Indian petroglyphs, and a chance to explore the South Mountain foothills.
  • A free-entry museum providing insights into the local history, culture, and periodic exhibitions.

Property Crime Rates in Guadalupe, AZ

  • Guadalupe, AZ has a noticeably higher crime rate compared to the national average. The violent crime rate in Guadalupe is 49.3, which is significantly higher than the US average of 22.7. The property crime rate in the town stands at 76.6, again considerably higher than the US average of 35.4. This suggests that residents of Guadalupe are almost twice as likely to fall victim to either a violent or property crime than those residing in other parts of the US.
  • When analyzing crime on a scale from 1 (low) to 100 (high), Guadalupe scores 49.3 for violent crime and 76.6 for property crime. In comparison, the US averages are 22.7 and 35.4, respectively.
  • The overall crime rate in Guadalupe is estimated at 3,383 per 100,000 people. This is higher than both the Arizona state average (2,713 per 100,000) and the national average (2,346 per 100,000). However, it’s worth noting that specific crime data for Guadalupe is unavailable from the FBI. Thus, estimates are based either on local enforcement data or on demographic data such as home prices, per capita income, and population density.

Violent Crime Insights:

Property Crime Insights:

Residents of Guadalupe, AZ face a considerably higher risk of becoming crime victims compared to other US citizens. The absence of specific crime data from the FBI for the town means that residents must rely on estimates or local enforcement data to gauge their safety. Given the elevated crime rates, individuals in Guadalupe should exercise additional caution, remain vigilant, and take proactive measures to enhance their safety and security. Collaboration between the community, local law enforcement, and policymakers can be instrumental in devising strategies to mitigate crime in the area.

Deductibles and Premiums:

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

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.

Coverage for Relocation:

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.

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.

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 Guadalupe, AZ

If you're in the market for a mobile or manufactured home in Guadalupe, it's important to have access to reliable and trustworthy information. Guadalupe, 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, Guadalupe has something for everyone.

Alma Gardens Mobile Home Park

Location: 530 S Alma School Rd, Mesa, AZ 85210
Description: Alma Gardens Mobile Home Park is a cozy age 55+ community in Mesa, Arizona. It offers both privately owned mobile home units and rental homes. The community features various amenities, including an outdoor pool, shuffleboard, library, billiards room, clubhouse, laundry facility, and a pet-friendly community lawn. It's conveniently located near shopping and dining options, with easy access to the AZ state 202 Highway. Pricing and Qualifications: For mobile homes, the lot rent is $650, and there are qualifications such as a minimum income of 3 times the rent, a 620+ FICO score, no prior evictions, and a good rental history. RV rates vary based on daily, weekly, or monthly stays, with applicable taxes and fees. RV Reservation Cancellation Policy: Cancellation policies for RV reservations are provided, with different refund options based on the notice period.

Cibola Mobile Home Park

Location: 2249 West Main Street #30, Mesa, AZ 85201
Description: Cibola Mobile Home Park is an all-ages community in Mesa, Arizona. It offers vacant sites for both mobile homes and RVs. The community is pet-friendly with no dangerous breed restrictions. It features off-street parking, sidewalks, and recreational facilities. Available Units: There are vacant sites available for both mobile homes and RVs.

Sage Point

Location: 2727 East University Drive, Tempe, AZ 85288
Description: Sage Point is an exclusive 55+ active lifestyle community located in Tempe, Arizona. It offers new and pre-owned manufactured homes and a range of amenities, including a clubhouse, swimming pool, billiards, shuffleboard, and outdoor grilling & picnic area. The community hosts special events and activities for residents.
Site Leasing Specials: There are leasing specials for new home purchases, including 3 months of free lot rent, a new washer and dryer, and a big-screen TV. Contact: You can inquire about this community for more information and availability.

Guadalupe'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 Guadalupe

It's essential to compare quotes from various insurance providers and work with local agencies that understand Guadalupe'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: Guadalupe may have issues with coyotes. This endorsement provides coverage for damages to your mobile home caused by coyotes, including structural damage or damage to outdoor property.
  • Reasoning: Guadalupe hosts cultural festivals. If you attend or participate in these festivals with your RV, this coverage offers liability protection for accidents or injuries that might occur during such events.
  • Reasoning: Shade structures are essential in Arizona’s heat. This endorsement covers the maintenance and repair of shade structures like awnings and pergolas.
  • Reasoning: If you have an artisan workshop in your mobile home, this coverage addresses damages to workshop equipment, tools, and supplies.
  • Reasoning: If you frequently engage in outdoor recreational activities using your RV, such as hiking or biking, this coverage offers liability protection for accidents or injuries that might occur during these activities.
  • Reasoning: If you use your RV for artistic expression, like painting or sculpting, this endorsement provides coverage for art equipment and supplies stored in your RV.

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



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