Disclaimer: Data Accuracy and Sources
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.
Welcome to Lake Havasu City, AZ – a place that captures the hearts of both its residents and those looking for a new place to call home. A desert oasis sitting on the eastern shore of Lake Havasu along the Colorado River, is truly a hidden gem of the American Southwest.
Established in 1963 by Robert P. McCulloch, Sr. as a self-sufficient, planned community, Lake Havasu City is surrounded by majestic mountains and stunning desert landscapes, creating some of the most breathtaking natural views you’ll ever witness. Perfectly situated on “Arizona’s West Coast,” this beautiful city is only a few hours away from Phoenix, Las Vegas, and Los Angeles.
The area attracts nearly a million visitors annually for outstanding biodiversity and its exceptional watersports, including fishing, skiing, kayaking, and house boating. Lake Havasu is rated as one of the top 100 best bass fishing lakes in America, attracting anglers from around the world. And that’s not all! Lake Havasu City is famous for the original London Bridge, which was bought from London for $2,460,000, and is now one of the most visited attractions in the United States. This city is a boater’s paradise, with over 300 days of sunshine and warm weather, and also perfect for nature lovers, who can explore the stunning desert landscape through hiking and biking or enjoy a picnic in one of the many parks. Lake Havasu City is a perfect holiday destination for couples, families, and singles alike, featuring golf courses, houseboats, beaches, and unique history.
For those who already call Lake Havasu City home, you know firsthand the unparalleled beauty that surrounds you. The city is renowned for its crystal-clear waters, making it a haven for water enthusiasts who enjoy boating, fishing, and kayaking. The shimmering lake, framed by majestic mountains, creates a picturesque backdrop that calms the soul and invigorates the spirit.
But Lake Havasu City is also a place that fosters a strong sense of community and belonging. With a diverse range of amenities, including excellent schools, healthcare facilities, and a variety of recreational opportunities, Lake Havasu City has something for everyone. From exploring the unique shops and restaurants of the charming downtown area to taking part in the year-round community events and festivals, there is always something exciting happening here.
So come and witness the natural beauty, friendly community and abundant sunshine that Lake Havasu City proudly offers!
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.
The 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.
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 Lake Havasu City, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Lake Havasu City, like many places, faces various weather risks. Understanding these risks can provide a clear picture of the city's environmental challenges.
Safety is an integral aspect of any community. Here, we review the property crime rates in Lake Havasu City in comparison to broader state and national trends.
Likelihood of Being a Victim:
Rate Comparison:
Specific Crime Numbers (Lake Havasu City):
While Lake Havasu City has an above-average property crime rate compared to other U.S. communities, understanding these figures is vital for informed decision-making and community safety initiatives.
For those considering a move to or within Lake Havasu City, it’s useful to know the most popular and rapidly developing neighborhoods.
Fastest Growing Neighborhoods
Good School Neighborhoods
With an array of growing neighborhoods, Lake Havasu City offers a diverse range of living experiences. Whether seeking the bustling energy of downtown or the quieter outskirts, the city has something for everyone.
Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.
It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.
If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.
The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.
CoverTree offers insurance coverage specifically designed for manufactured homes in Arizona. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.
Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.
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.
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.
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 Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see https://www.dfbls.az.gov/lta/relocation.aspx). If you are a mobile home park tenant, you may have access to money from the Mobile
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.
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:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Lake Havasu City’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 Lake Havasu City:
This coverage can help protect your personal belongings inside the home, such as furniture, electronics, and clothing, against covered perils.
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!
