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.
Social Facilities: 21 out of 22 at severe risk.
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.
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.
Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.
In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.
Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.
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: 1110 West Maryland, Phoenix, AZ 85013
Age Restriction: 55+
Description: Established in 1948, this land-lease community with 60 home sites is an affordable housing choice for active, age-qualified individuals. It features paved streets of narrow width, off-street parking, and easy access to local amenities.
Lot Rent: $450 - $750/month (includes trash pickup, water, and sewer)
Location: 10401 North Cave Creek Road, Phoenix, AZ 85020
Age Restriction: 55+
Description: Built in 1962, this land-lease community with 332 home sites is managed by Lautrec Homes. It boasts of paved streets of wide width and provides an affordable housing choice for active, age-qualified residents.
Lot Rent: $449 - $1,600/month (includes trash pickup and water)
Location: 9210 North 7th Avenue, Phoenix, AZ 85021
Age Restriction: All ages
Description: An all-ages land-lease community providing an affordable housing choice for family-friendly living. The community offers paved streets of average width and is positioned with easy access to local schools and recreation.
Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer)
Location: 3202 North Scottsdale Road, Scottsdale, AZ 85251
Age Restriction: All ages
Description: A land-lease community that caters to all age groups. This well-maintained community emphasizes active, family-friendly living and ensures easy access to local schools, recreation, shopping, and entertainment.
Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer)
Location: 320 East Mckellips Road, Mesa, AZ 85201
Age Restriction: All ages
Description: Formerly known as M&M Mobile Villa, this community is undergoing extensive remodeling. Promising a bold vision and unmatched family-friendly environment, residents can expect a clubhouse, pool, and spacious streets among other amenities.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Paradise Valley
This coverage protects against damage caused by sewer or water backups into your home. It can help pay for repairs and cleanup if you experience a backup.
This coverage protects you if someone gets injured while you are using your RV as a temporary residence or vacation home. It offers personal liability coverage similar to what you would have with homeowner’s insurance.
This coverage protects your personal belongings inside the RV, such as clothing, electronics, and camping gear. It helps replace or repair these items in case of theft, loss, or damage.
This coverage offers protection against multiple types of damage to mobile/manufactured/prefabricated/RV homes, including damage caused by fire, theft, and other natural disasters. This coverage can help pay for repairs, replacement of the structure, and personal property.
Given the climate and weather conditions in Prescott Valley, AZ, it’s crucial to have coverage for specific weather-related events such as windstorms, hail, or monsoons. Checking the specifics of the policy to ensure these perils are covered is important.
If you own a boat or other watercraft, this coverage can help protect you from legal liability if someone is injured while on your vessel or if your boat causes damage to someone else’s property.
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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