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

Welcome to Holbrook, AZ - a place that gracefully blends the charm of a small-town community with the endless possibilities of a vibrant destination. Situated on the banks of the Little Colorado River in the heart of northeastern Arizona's high plateau country, steeped in history and surrounded by breathtaking scenery, Holbrook captivates visitors with its unique charm and captivating landscapes.

In the late 19th century, the arrival of the railroad forever changed the destiny of this community. Named in honor of the railroad's chief engineer, Holbrook became a transportation hub and service center for northeastern Arizona. Today, the town stands proudly on historic Route 66, drawing travelers from all over the world. As the gateway city to the renowned Petrified Forest National Park, Holbrook offers a captivating blend of vibrant history and natural wonders.

Holbrook's economy thrives on tourism, thanks to its strategic location on Route 66 and Interstate 40, which connects the Apache Sitgreaves National Forest to the Navajo and Hopi Native American Reservations. Visitors can immerse themselves in the rich Navajo and Hopi cultures, witnessing ceremonial dances, tribal events, and exquisite arts and crafts. The Hidden Cove Petroglyph Park showcases prehistoric cliff dwellings, adding to the region's allure.

Nature enthusiasts will find solace in the surrounding landscapes. The Petrified Forest National Park, renowned for its mesmerizing painted desert and ancient fossilized tree trunks, is a testament to the area's geological wonders. The northern plateau country, with its rugged canyons and hidden coves, invites explorers to delve into an ancient past.

Holbrook's vibrant community offers a wealth of facilities and amenities. From museums and community centers to parks and sports facilities, there is something for everyone. The town even boasts a unique feature - the Wigwam Village, where concrete and steel teepees take visitors back in time to the heyday of mid-century Route 66. Downtown Holbrook enchants with its well-preserved historical sites. Take a self-guided walking tour starting at the courthouse visitor center and discover the captivating stories behind landmarks like the Bucket of Blood Saloon and the Blevins House, witness to a dramatic shootout between gangsters and the sheriff.

No matter where you turn in Holbrook, you'll be surrounded by the serene beauty of the Painted Desert. With its spectacular rock formations and ever-changing hues, this natural wonder stretches from the Grand Canyon to the Navajo Nation, painting a mesmerizing backdrop to the town's enchanting atmosphere. So come and experience the magic of Holbrook, where historic Route 66 meets an extraordinary national park, and the spirit of the Wild West lives on in every corner. Get your kicks and create unforgettable memories in this captivating Northern Arizona gem.

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

Weather Risks in Holbrook, AZ:

Holbrook, like much of Arizona, is susceptible to periods of extreme heat, especially during the summer months. For mobile homeowners:

  • Temperature Increase: Mobile homes often lack the insulation found in traditional homes. This can lead to rapid temperature increases inside the unit during hot days, making it uncomfortable and potentially hazardous for occupants.

  • Air Conditioning: Due to the rapid temperature rise, an efficient and regularly maintained air conditioning system is crucial. It’s also important to have backup cooling methods in case of AC failures.

  • Water Supply: In extreme heat, staying hydrated becomes vital. Keeping a supply of water on hand, especially during heat alerts, can be life-saving.

  • Safety Measures: Heat can lead to various health issues, from heat cramps to heat strokes. It’s essential to recognize the symptoms of heat-related illnesses and to have a plan in place, like a nearby cooling shelter or a neighbor to check in with.

High winds and dust storms, or haboobs, are not uncommon occurrences in Arizona:

  • Structural Integrity: High winds can pose a significant risk to mobile homes, particularly if they’re not anchored securely. Regular checks and maintenance to ensure that the home is well-anchored and devoid of structural vulnerabilities are crucial.

  • Visibility Concerns: Dust storms can dramatically reduce visibility, making travel hazardous. It’s recommended to stay indoors during a dust storm to avoid accidents.
  • Home Sealing: Properly sealing a mobile home can prevent dust and debris from entering the living space, which can be beneficial for respiratory health and general cleanliness.

  • Emergency Kit: Due to the sudden nature of dust storms, having an emergency kit with essentials like water, a flashlight, a battery-operated radio, and masks can be beneficial.

While Arizona is known for its heat, many parts, including Holbrook, can experience freezing temperatures in the winter:

  • Insulation: Proper insulation is crucial to maintain warmth inside a mobile home. Ensuring that walls, floors, and especially pipes are well-insulated can prevent heat loss and frozen pipes.

  • Heating Systems: Reliable heating is vital during cold spells. Regularly maintain heating systems, and consider having backup heating methods, like space heaters (used safely) or heated blankets.

  • Pipe Precautions: Frozen pipes can burst, leading to significant water damage. During cold nights, it might be beneficial to let faucets drip slightly to prevent freezing. If temperatures are expected to drop significantly, consider adding pipe insulation or heat tape.

  • Emergency Supplies: In case of prolonged cold spells, ensure you have warm clothing, blankets, and possibly some stored food and water, especially if roads become impassable due to ice or snow.

Violent Crime in Holbrook, AZ:

In Holbrook, the chance of becoming a victim of violent crime is 1 in 79, among the highest rates in the nation.

77 per one thousand residents, making Holbrook one of the communities with the highest crime rates in America, irrespective of community size.

Compared to other places of similar population size, Holbrook has a very high combined rate of violent and property crime.
Compared to other places of similar population size, Holbrook has a very high combined rate of violent and property crime.

Rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault (including assault with a deadly weapon).

Property Crime in Holbrook:

Residents of Holbrook face a 1 in 15 chance of falling victim to property crime, with particularly elevated rates of motor vehicle theft.

Major Contributor :

Types of Property Crimes Tracked :

Chance of Becoming a Victim of Property Crime :

Property Crime Rate :

Motor Vehicle Theft Rate :

Chance of Having Your Car Stolen :

Exclusions and Limitations

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Cancellation Policy

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Potential Rate Increases

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Group Discounts

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

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:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) rehabilitation of a pre-HUD home (built before June 15, 1976)

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 In Holbrook, AZ

If you're in the market for a mobile or manufactured home in Holbrook, it's important to have access to reliable and trustworthy information. Holbrook, located in Arizona, is rich in history and natural wonders. For those considering manufactured home living or seeking RV park services in this region, Holbrook offers several notable options.

OK RV Park

Address: 1576 Roadrunner Road, Holbrook, AZ 86025-2143
Description: Proud of its Good Sam rating of 7/9*/8, OK RV Park is a pet-friendly and family-friendly gateway to adventure. Positioned conveniently close to the Painted Desert and Petrified Forest National Park, it's a perfect base for explorations.

Cozy Canyon Mobile Home Park

Address: 522 East Iowa Street, Holbrook, AZ 86025 Community Type: All ages Features: Pets Allowed (large breed restrictions apply) Off-Street Parking Paved streets with average width Total Sites: 28 (Homes with Peaked Roofs: 50%, Homes with Lap Siding: 25%, RV Sites: 10%) Distance to water: 1.9 miles

Kargas Mobile Home Park

Address: 201 East Iowa Street, Holbrook, AZ 86025
Community Type: All ages
Features: Off-Street Parking Paved streets with average width
Total Sites: 16
Distance to water: 2.2 miles

Westgate Homes

Location: Holbrook, Arizona
Services: Working in association with Resort Homes, Westgate Homes liaises directly with factories to deliver and set up homes in Holbrook. They specialize in serving all of Arizona and deal with Manufactured Homes and Park Model RVs built by Cavco. Those interested are encouraged to contact them to discuss their plans.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.


Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance In Holbrook

It's essential to compare quotes from various insurance providers and work with local agencies that understand Holbrook'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 Holbrook:

This coverage helps pay for temporary living expenses if your home becomes unlivable due to a covered event, such as a fire or severe storm. This may include expenses such as hotel costs, meals, and transportation. 

For RV owners in Paradise Valley, AZ, it is important to have insurance coverage specifically tailored to your vehicle. RV insurance can provide coverage for liability, collision, comprehensive, and uninsured/underinsured motorist, as well as personal effects, emergency expenses, and roadside assistance

 If your RV is totaled within a specified number of years (typically up to five years), this coverage helps replace it with a brand new RV of similar kind and quality, rather than providing actual cash value. 

Due to the risk of high winds and hail storms in Arizona, including Paradise Valley, it is important to have coverage for damage caused by these weather events. This coverage helps protect your home’s exterior, roof, and other structures on your property.

If you are unable to live in your mobile home or RV due to a covered loss (such as fire or storm damage) , this coverage can help pay for temporary housing and other related expenses while your home is being repaired or replaced.

Mobile homes can be targets for theft and vandalism, so having coverage to protect against these risks is essential. This coverage can help cover the cost of repairing or replacing stolen or damaged property.

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 Holbrook, 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

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

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