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

Welcome to Peoria, Arizona – a vibrant and thriving city located in the heart of scenic Maricopa County. Whether you're new to the area or have been a long-time resident, you’ll find plenty to love about Peoria. Nestled perfectly between Phoenix and Glendale, Peoria boasts all the conveniences of big-city living while preserving the small-town charm and natural wonder of the nearby Sonoran Desert.

From gorgeous parks and recreational areas to championship golf courses, Peoria offers something for everyone. Are you an avid outdoor enthusiast? Then you'll love hiking and biking the New River Trail, spending a day at Lake Pleasant, or exploring the stunning landscapes of the nearby Estrella Mountain Regional Park. Or perhaps you're more into sports and entertainment – in which case, you'll revel in the excitement of Peoria Sports Complex, the Peoria Center for the Performing Arts, or catching a game at the State Farm Stadium or Talking Stick Resort Arena.

But that's not all Peoria has to offer. Boasting exceptional schools, world-class shopping and dining, and a robust economy, Peoria is the perfect place to live, work, and play. And with an abundance of diverse neighborhoods and safe, family-friendly communities, it's no wonder so many people choose to call Peoria home.

So whether you're planning to move to Peoria, AZ, or are looking to explore all that this beautiful city has to offer, we invite you to come see for yourself why so many people love living here. Welcome to Peoria – we’re glad you’re here!

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 Peoria, 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 Peoria, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some legal considerations relevant to mobile homes, manufactured homes, pre-fab homes, and RVs in Peoria, AZ:

Weather Risks in Holbrook, AZ:

  • Flood and fire ratings are based on the number of buildings in Peoria exposed to these hazards.
  • People in Peoria, AZ are especially likely to experience increased risks from drought, heat, and flood.
  • Drought and Heat Risks:
    • Drought and heat risk in Peoria is classified as extreme.
    • Precipitation risk is relatively low.
    • 93% of buildings in Peoria are at risk of flooding.
    • 62% of buildings in Peoria are at risk of wildfire.
  • Risk Variance:
    • Fire and flood risk can vary significantly for individual properties within a city.
    • For detailed heat, storm, fire, drought, and flood risks up to 2050, individuals should check specific addresses.
  • Drought Risk:
    • The recent average water stress in Peoria is high and will increase through 2050.
    • The Aqua Fria watershed has had a significant percentage of weeks since 2000 experiencing drought conditions.
  • Heat Risk:
    • The number of days above 110.5ºF is projected to rise drastically by 2050.
    • Climate change is causing more frequent and intense heatwaves.
  • Flood Risk:
    • Buildings in Peoria have an average of 21.0% chance of a flood about 2.4 feet deep over 30 years.
    • A significant number of census tracts have buildings at risk from different types of flooding.
  • Precipitation Risk:
    • The amount of rainfall during extreme days is projected to remain roughly constant through 2050.
    • Climate change can cause extreme precipitation events, increasing potential risks.
  • Heat Risk:
    • Peoria faces extreme risk from heat due to rising “feels like” temperatures and the fact that a large portion of homes in Peoria have a high Extreme Heat Factor. 
    • Fire risk is extreme on the most dangerous days, and it’s expected to increase through 2050.
    • A significant portion of census tracts have buildings with significant fire risk based on various criteria.
    • Breakdown of property heat risks in Peoria:
      • Severe: 11.5K properties
      • Extreme: 62.7K properties
  • Wildfire Risk:
    • 60% of properties in Peoria are at risk from wildfires over the next 30 years.
    • Wildfires can cause various damages and complications beyond just property damage.
    • Breakdown of wildfire risks in Peoria:
      • Residential Severe Risk: 40,208 out of 67,575 homes.
      • Commercial Severe Risk: 537 out of 1,890 commercial properties.
      • Critical Infrastructure Moderate Risk: 44 out of 95 facilities.
      • Social Facilities Major Risk: 58 out of 130 facilities.

Recommended Neighborhoods:

Greatest Peoria Income Growth By Neighborhood (last 5 years):

Best Peoria Schools by Neighborhood:

Property Crime Rates:

Peoria's crime rate, notably at 17 crimes per one thousand residents, ranks above the national average across all American communities. The likelihood of becoming a victim of either violent or property crime in Peoria stands at 1 in 58. Despite these numbers, when compared to its peer cities of similar sizes, Peoria's crime rate is actually lower than average. Nevertheless, the city isn't amongst America's safest, as inferred from FBI crime data.

When discussing property crimes in Peoria:

Peoria's crime dynamics necessitate a dual approach in interpretation. While the city isn't on the list of America's safest, when compared against cities of similar sizes, it fares better. Violent crimes, although more frequent than in other U.S. communities, are still relatively low, but it's the property crimes that majorly contribute to Peoria's overall crime rate. Residents and potential homeowners should be well-informed and possibly take preventive measures to ensure personal safety and the security of their belongings.

Review the Claims Process

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

Get Some Quotes

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

Check Availability of all Applicable Discounts

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

Look Over the Details

Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.

Review and Compare Policies

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

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.

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 or Community in Peoria, AZ

If you're in the market for a mobile or manufactured home in Peoria, it's important to have access to reliable and trustworthy information.

We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Peoria.

Sun Garden Manufactured Home Community

Location: 8301 N. 103rd Avenue, Peoria, AZ 85345

Description: Premier community with spacious 2, 3, and 4 bedroom floorplans. Residents enjoy community events and activities. Located near Loop 101, 15 miles west of Phoenix. Nearby entertainment includes Peoria Pines Golf & Restaurant, Desert Diamond Casino, Tanger Outlets Phoenix, and more.

Jadestone on Olive

Location: Not Specified

Description: A 55+ community near Phoenix offering amenities like shuffleboard at the clubhouse, swimming pool, and spa. Located close to Downtown Phoenix and Mesa, and situated amid the beauty of the Sonoran Desert.


Location: 7302 W Peoria Ave, Peoria, AZ 85345

Description: Mobile home community offering nearby dining, shopping, and entertainment options. Close proximity to lakes and parks.

Peoria Palms

Location: 7344 W. Peoria Ave, Peoria, AZ 85345

Description: A 55+ manufactured home community in the Oakridge Trails neighborhood. Amenities include a community recreation room, swimming pool and spa, picnic area, and more.

Solara Sands

Location: 10810 North 91st Avenue, Peoria, AZ 85345

Description: Manufactured home community where residents of all ages can enjoy onsite resort-style amenities and proximity to city attractions. Ideal for those who love sunshine and desert views.


Locations: SUNCREST I: 10955 N. 79TH AVE., PEORIA, AZ 85345


Description: Both parks offer low space rental rates and quality living in a 4-star park setting. Amenities include nearby shopping centers, schools, and recreational areas like Lake Pleasant.

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 Peoria

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

Peoria, AZ can experience extremely hot
temperatures in the summer months, which can cause damage to roofs, walls, and
other materials in manufactured homes. Ensuring that your policy covers heat-related
damages may provide protection for repairs or replacements.

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.

In the event of severe weather or other major incidents,
debris removal may be necessary to clean up and restore your property. Having
coverage for debris removal can help cover the costs associated with clearing debris
and disposing of it properly.

Consider opting for replacement cost coverage instead
of actual cash value coverage. Replacement cost coverage will reimburse you for the
full cost of repairing or replacing damaged items or your home, without factoring in

This coverage provides an additional layer of
protection by covering the cost of rebuilding your home even if it exceeds the policy
limit. It can be particularly valuable in cases of high demand for construction services
after a disaster.

Loss of use coverage can provide financial assistance if your
mobile/manufactured or prefabricated home becomes uninhabitable due to a covered
event. It can help with temporary living expenses, such as hotel bills or rental costs,
while your home is being repaired or rebuilt.

 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 Peoria AZ, don't hesitate to get a CoverTree quote now.

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