Covertree’s Comprehensive Guide!
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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.
When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.
Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.
If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.
Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.
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.
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.
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.
Location: 2060 North Center, Mesa, AZ 85201
An all-age manufactured home community boasting homes with modern features. This pet-friendly community is equipped with amenities like a basketball court, community center, playground, swimming pool, and lighted streets. On-site management and a sales office ensure residents have a seamless experience.
Positioned in central Mesa, this all-age mobile home and RV community is about simplicity and convenience. It offers mobile homes for rent, full-hookup RV spaces, and laundry facilities for all residents. Its strategic location provides easy access to the freeway and nearby shopping, dining, and entertainment hubs.
This contemporary community, a stone's throw away from Downtown Mesa, offers one and two-bedroom apartments with amenities like gourmet kitchens and elegant finishes. Residents can also enjoy a luxury pool, on-site coffee bar, parcel lockers, and proximity to the US-60 and light rail.
Location: 201 South Greenfield Road, Mesa, AZ 85206
A 55+ retirement mobile home community designed to maximize Mesa living. Amenities include community-organized activities, clubhouse, fitness center, shuffleboard courts, swimming pool, whirlpool, and spa. Located just 2 miles from local shopping and dining, it also offers on-site management, laundry facilities, and RV storage.
Ideal for those who've entered their golden years and want a mix of affordability, scenic beauty, and amenities. Whether you're seeking a winter retreat or a permanent abode, Mesa Shadows' 55+ active lifestyle community promises breathtaking mountain views and resort-style amenities. Mesa'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.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Mesa
Business income insurance covers loss of income or
profits due to damage or loss of the property caused by natural disasters, fire, or other
covered perils.
Umbrella liability insurance provides additional liability
coverage beyond the limits of your standard policy. This coverage can provide
protection against lawsuits or claims made against mobile home-related businesses,
parks, or owners.
Medical payments coverage can provide payment for
medical bills and expenses related to injuries that occur on the property, regardless of
who is at fault.
Loss of use coverage can cover the cost of temporary housing
and living expenses following damages or loss to your mobile home, RV, or other
structures.
Scheduled personal property coverage
provides additional protection for valuable personal belongings, such as jewelry or
antiques, which may exceed the coverage limits of personal property insurance.
It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in Mesa, AZ to understand the specific coverage options available to
you. 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 Mesa, AZ,
and can tailor a policy that meets your unique requirements.
Insurance that covers the home against fire outbreaks, which can be a significant risk in Mesa, AZ. As wildfires can occur in Arizona, it is essential to have coverage for fire-related damages to your home. This includes damage to the structure of your home and belongings inside, as well as additional living expenses if you need to temporarily relocate due to fire damage.
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 Mesa, 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
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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