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.
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.
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.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Lake Havasu City
This coverage can help protect your personal
belongings inside the home, such as furniture, electronics, and clothing, against
This coverage protects the physical structure of your mobile home, including walls, roof, and attached structures, against damage from covered perils such as fire, windstorms, hail, and more.
Liability coverage helps protect you financially in case someone is
accidentally injured while on your property, such as a guest or visitor. Liability insurance
can cover medical expenses, legal fees, and damages awarded in a lawsuit.
Depending on your specific needs and preferences, you may also want to consider additional coverage such as earthquake insurance, replacement cost coverage for personal belongings, and coverage for detached structures like sheds or garages.
This insurance is essential for protecting the mobile home or RV park community against liability claims and lawsuits. It can cover personal injuries, property damage and medical expenses resulting from accidents on the property.
This commercial coverage provides protection against financial loss resulting from a temporary shut-down from a covered peril such as a fire, severe weather event, or natural disasters
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 Lake Havasu City, AZ, and can tailor a policy that meets your unique requirements. For mobile home conditions in Lake Havasu City, click here!
Additional Living Expenses
Trees, shrubs, plants and lawns
Emergency Removal Service and Emergency Repair after a loss
Credit Card and Check Forgery
Fire Department Service
Food Spoilage coverage
Personal Injury Protection coverage
Golf Cart coverage
+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