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.
Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.
Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.
Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.
Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!
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.
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: Prescott Valley, AZ
Homes Offered: Manufactured homes by Cavco Durango and Cavco West
Services: Assistance in selecting floor plans, interior decor, front doors, kitchen backsplashes, and kitchen cabinets.
Location: Prescott, AZ
Homes Offered: Manufactured homes by Cavco Durango
Services: Offers a range of manufactured home styles and assists with the home buying process.
Services: Offers mobile and modular home options, consultation on various home features such as kitchens, entertainment centers, and spa bathrooms.
Services:
Foundation Retrofitting
FHA Compliance
HUD Compliance
Features: Licensed & Bonded, specializes in the foundation needs of the manufactured home industry.
Features: Year-round resort environment, variety of on-site activities including tennis, putt-putt, swimming, and local hiking. Offers 300 days of sun per year.
Location: 7901 Arizona 69, Prescott Valley, AZ 86314
Features: Large housing lots, pool, barbecue area, clubhouse, crafts room, gym, library, pet park, picnic area, and proximity to local shopping and dining.
55+ Community
Services: Information on manufactured homes in Prescott Valley, Arizona, emphasizing energy efficiency. Also, discusses the benefits of modular home construction in the area.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Prescott Valley
Prescott Valley is also located in an area prone to flash floods. Therefore, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting coverage for flood damage, which can help pay for repairs or replacement of the structure, personal property, and any costs associated with flood cleanup.
Hailstorms can cause significant damage to mobile/manufactured/prefabricated/RV homes, including the roof and windows. Hail damage coverage can help pay for repairs or replacement if the property is damaged during a hailstorm.
This type of coverage provides additional protection in the event that construction costs have increased beyond the policy limit. This coverage can also help ensure that mobile/manufactured/prefabricated/RV homeowners or park owners have enough coverage to replace their property if needed.
With the rise of identity theft and cyber crimes, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting identity theft coverage that could help with the recovery process if their personal information is compromised.
This coverage is designed for RV owners, and it can help pay for repairs or replacement of an RV if it is damaged or destroyed while on a trip away from the permanent site.
Mobile home and RV owners should consider coverage for equipment and accessories such as awnings, satellite dishes, or generators. This coverage protects against damage or theft of these items.
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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