Protect Your Manufactured Home In Payson, AZ.

Covertree’s Comprehensive Guide.

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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 Payson, AZ: Costs, Coverage, and Considerations

Welcome to Payson, Arizona - a charming town nestled in the majestic Mogollon Rim region. Payson offers breathtaking natural beauty, abundant outdoor recreational opportunities, and a close-knit community.

One of the highlights of Payson is its stunning natural surroundings. The town is set against the backdrop of the Mogollon Rim, a dramatic escarpment that marks the southern edge of the Colorado Plateau. The area is known for its lush forests, crystalline lakes, and scenic hiking trails. Payson is surrounded by national forests, including the Tonto National Forest, which provides countless opportunities for outdoor activities such as hiking, camping, fishing, and wildlife viewing.

Payson is also home to several picturesque lakes and rivers. The nearby Roosevelt Lake and Green Valley Lake are popular destinations for boating, kayaking, and fishing. The East Verde River offers opportunities for swimming, picnicking, and enjoying the peaceful sounds of rushing water.

The town of Payson itself offers a charming downtown area with unique shops, local boutiques, and galleries. Visitors can explore the local art scene, discover handmade crafts, and sample delicious cuisine at the town's many restaurants and cafes. Payson also hosts various community events throughout the year, including the annual Northern Gila County Fair and the Payson Rodeo, which highlight the area's agricultural heritage and Western traditions.

Payson is known for its strong sense of community and small-town charm. The residents take pride in their town and actively participate in community events and organizations. The Payson Event Center hosts a range of activities, from equestrian events and livestock shows to concerts and festivals. The town also has a local historical society and museum that celebrate the region's past.

Education is important in Payson, and the town is served by the Payson Unified School District. The district provides quality education from preschool to high school, emphasizing academic achievement and extracurricular involvement. Additionally, Payson is home to Gila Community College, which offers a variety of programs and courses for higher education and career advancement.

Healthcare services are readily available in Payson. The town has a hospital and various medical clinics to ensure residents have easy access to quality healthcare.

Overall, Payson offers a serene and picturesque setting, an abundance of outdoor recreational activities, a close-knit community, and a range of cultural experiences. Whether you're exploring the natural wonders of the Mogollon Rim, participating in community events, or enjoying the local shops and dining establishments, Payson provides a welcoming and enriching environment for residents and visitors alike.

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:

Home Value

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Age and Condition

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Insurance Score

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

Weather Risks in Payson, AZ

1. Wildfires:

Definition: An uncontrolled fire that spreads rapidly through vegetation and may extend to structures, often exacerbated by dry conditions, winds, and human activity.

Problem Caused:

Threat to life and property.
Air pollution from smoke affecting health.
Economic impact on tourism and local businesses.

Implication for Mobile/Manufactured Home and RV Owners:

High risk of loss if fire reaches these relatively less fire-resistant homes.
May require frequent evacuations or preparations, especially if in the “ember zone” or near combustible vegetation.

2. Flooding:

Definition: The overflowing of water onto land that is usually dry, often caused by heavy rainfall, snowmelt, or a combination of these.

Problem Caused:

Property damage including to infrastructure and homes.
Risk of waterborne diseases.
Disruption of local transportation and utilities.

Implication for Mobile/Manufactured Home and RV Owners:

High risk of water damage, particularly given the property’s “Major Flood Factor®.”
Potential for being stranded due to road closures or other infrastructure damage.

3. Extreme Heat:

Definition: Unusually hot weather conditions that persist for extended periods, often coupled with high humidity levels.

Problem Caused:

Heat-related illnesses (heat exhaustion, heat stroke).
Increased energy costs due to air conditioning.
Worsened drought conditions, contributing to fire risk.

Implication for Mobile/Manufactured Home and RV Owners:

Inadequate cooling systems can lead to a greater risk of heat-related illnesses.
Increased utility costs due to more frequent use of cooling systems.

Given these significant risks, residents and particularly mobile/manufactured home and RV owners in Payson, AZ, should strongly consider preventive measures. These could include the installation of sump pumps for flooding, fire-resistant materials for construction, and keeping an emergency evacuation plan in place. Understanding local weather and environmental reports is key for immediate and long-term planning.

Recommended Attractions in Payson, AZ

Rim Country Museum and Zane Grey Cabin

A museum showcasing Arizona’s early history and the works of famed Western author Zane Grey.

Payson Farmers Market

A local farmers market offering fresh produce and artisan goods, open from late fall to summer on Saturdays.

Tonto Creek Fish Hatchery

An educational facility where visitors can learn about fish conservation and even feed baby fish.

Green Valley Park

A popular public park featuring an urban fishing lake, walking trails, and picnic areas. Free parking and admission.

Mazatzal Wilderness Area

An expansive wilderness offering hiking trails and opportunities to spot various wildlife, including deer, bears, and mountain lions.

Deming Pioneer Park

A park operated by the Northern Gila County Historical Society, focused on preserving the history of pioneers who settled the area.

Paleo Site In Payson

A location where you can hunt for fossils, providing a window into the region’s prehistoric past.

Mogollon Rim Fishing

A haven for fishing enthusiasts, with an abundance of native and stocked fish species in various lakes, rivers, and streams.

Shoofly Village Ruins

Ancient ruins dating back 750 to 1,000 years, offering insights into the Mogollon people’s history and culture.

Railroad Tunnel Trail

A hiking trail leading to the remnants of an unfinished 19th-century rail line, highlighting the area’s historical transportation challenges.

Payson offers a mix of historical, cultural, and outdoor attractions, making it a diverse destination for visitors.

Property Crime Rates in Payson, AZ

Overall Crime:

Payson has a notably high crime rate of 36 crimes per 1,000 residents, making it one of the communities with one of the highest crime rates in America. The chance of becoming a victim of either violent or property crime is 1 in 28.

Comparison to Arizona:

In the context of Arizona, Payson’s crime rate is higher than 89% of the state’s other communities. This indicates a relatively higher level of crime within the state.

Comparison to Similar-sized Communities:

Payson’s crime rate stands out as higher than most other communities of similar population size in America.

Violent Crime Insights:

Violent crime in Payson is considerably high, one of the highest across communities of all sizes in the nation.
The types of violent crimes tracked include rape, murder, non-negligent manslaughter, armed robbery, and aggravated assault.
Your chance of becoming a victim of one of these violent crimes is 1 in 68.

Property Crime Insights:

The crime rate in Payson, AZ, is notably high, both in the context of the state of Arizona and compared to similar-sized towns and cities in the United States. Both violent and property crimes are contributing factors to the high overall crime rate. This suggests that residents and authorities should be very concerned about safety in the community. Given these statistics, it may be necessary for local law enforcement agencies to reassess their current strategies and perhaps adopt new measures for combating crime. Community engagement initiatives, increased police patrols, and preventive education may be some of the avenues worth exploring to address the issue. Furthermore, residents might consider taking personal safety precautions and participating in community safety programs to contribute to a safer environment.

Additional Structures:

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.

Deductibles and Premiums:

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.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

Discounts and Bundling Options:

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.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Personal Liability Coverage:

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.

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 in AZ

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!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

Affidavit of Affixture

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).

Buying a Used Mobile Home

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 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

Home Relocation Fund in the case of:

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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 or Community in Payson, AZ

If you're in the market for a mobile or manufactured home in Payson, it's important to have access to reliable and trustworthy information. Payson, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Payson has something for everyone.

Gateway Mobile Home Park

Location: 1107 South McLane Road, Payson, AZ 85541

Description: Gateway Mobile Home Park is an all-ages community with 41 sites. It features homes with peaked roofs and lap siding. Pets are allowed with community approval, and there are no age restrictions. The streets are paved but narrow, and there are off-street parking spaces available. The community was built in 1977 and is located approximately 19.2 miles from water sources.

Pineview RV Resort

Location: 3680 E Arizona 260, Star Valley, AZ 85541

Description: Pineview RV Resort is an age-restricted (55+) community with 82 sites. It allows two pets with restrictions. The community offers a clubhouse and recreational facilities. The streets are paved and of average width. There are vacant sites available, and the community is RV-friendly with 50% RV sites. Age restrictions apply, and the community is located in Star Valley, Arizona.

Cedar Grove Mobile Home Park

Location: 703 East Frontier Street, Payson, AZ 85541

Description: Cedar Grove Mobile Home Park is an age-restricted (55+) community with 41 sites. It has specific pet restrictions, including the requirement for a fenced yard and limitations on dog breeds. Up to two pets are allowed per lot. The streets are dirt and have an average width. The community was built in 1977 and features homes with peaked roofs and lap siding. It is located approximately 17.2 miles from water sources.

Payson'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.

Finding the Best Mobile Home Insurance In Payson

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

Burglary and Theft Endorsement:

Payson, AZ, like any other area, is not immune to property crimes such as burglary and theft. Adding this endorsement provides additional coverage specifically for these risks, protecting against losses resulting from break-ins and thefts that may occur in the area.

Vandalism Endorsement:

Vandalism can occur anywhere, including Payson. Adding this endorsement can help cover damages caused by acts of vandalism to the property, such as graffiti or deliberate destructions.

Wildfire Endorsement:

Payson, AZ, is located in a wildfire-prone area, surrounded by forests. Adding a wildfire endorsement can provide coverage for damages caused by wildfires, including damage to the home, outbuildings, and personal property. This is important to protect against the significant risks associated with wildfires in the region.

Hailstorm Endorsement:

Payson also experiences hailstorms from time to time, which can cause damage to roofs, windows, and other vulnerable areas of mobile, manufactured homes, and RVs. Adding a hailstorm endorsement provides coverage for repairs or replacements needed as a result of hail damage.

Flood Insurance:

While Payson is not as flood-prone as certain other regions, it is still important to consider flood insurance. Flash floods can occur during heavy rainstorms or due to snowmelt, presenting a risk to properties. Having flood insurance in place helps protect against damage caused by flooding.

Skirting Endorsement:

Skirting helps protect mobile and manufactured homes located in Payson from weather elements and potential pests. Adding a skirting endorsement will provide coverage for repairs or replacements needed due to damage caused by weather events, accidents, or vandalism.

What Additional Services Can You Get Covered?