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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.
Flooding can severely impact cities, affecting their infrastructure, economy, and daily life. Here’s an overview of the flood risks faced by Maricopa.
With a moderate risk of flooding, Maricopa residents should prioritize flood preparedness and stay updated with city initiatives to counter these potential threats.
Beyond flooding, Maricopa faces several other environmental hazards, with wildfires being a significant concern.
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.
Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.
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.
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.
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.
Address: 1575 South Morning Dove, Maricopa, AZ 85139
An all-age community, making it suitable for families of all sizes and ages.
Situated in Casa Grande, perfectly between Tucson and Phoenix.
Exclusively for those 55 years and older, it's a gated community offering an array of amenities from heated pools, on-site management, RV parking, and an upcoming free Wi-Fi service.
Their friendly year-round residents and various activities make it an ideal spot for those seeking a warm, welcoming environment.
Located in Casa Grande, nestled between the bustling cities of Phoenix and Tucson.
A 55+ community, it offers a plethora of housing options from single to triple wide mobile homes.
Residents can indulge in planned activities, relax in the heated pool and spa, and enjoy the security of a gated community. They also provide various payment methods, including financing.
Located in Chandler, AZ.
A family and pet-friendly community, it offers various amenities such as a basketball court, library, playground, and a community swimming pool.
With local shopping and dining just a mile away, residents have easy access to everything they need.
A retailer that offers both mobile homes and spaces for RVs, catering to both permanent and transient residents.
This retailer provides an array of mobile home options tailored to fit different budgets and preferences.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Maricopa
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.
Provides an extra layer of liability protection beyond the limits of your underlying mobile home, manufactured home, prefabricated home, or RV insurance policy.
This commercial insurance can protect the mobile home or RV park community’s physical structures, such as the community center, pool, laundry room, and other community facilities against covered perils.
This insurance protects RV parks or mobile home community owners or operators against expenses and lost wages related to employees who sustain workplace injuries and risks associated with vacant properties, such as vandalism or theft.
Earthquake insurance is crucial for mobile homes, RVs, and other structures located in earthquake-prone areas, such as Maricopa, AZ. This coverage protects against damage or loss due to earthquakes. Arizona is located in an earthquake zone, and homeowners’ insurance policies typically don’t cover earthquake damage. Mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting coverage for earthquake damage, which can help pay for repairs or replacement of the structure and personal property if they are damaged due to an earthquake.
Equipment breakdown coverage provides protection against the costs of repairing or replacing equipment, such as HVAC systems, water heaters, and appliances that break down due to mechanical or electrical failure.
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.
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