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

Welcome to Sahuarita, Arizona - a town that exudes majesty, grandeur, and elegance. Nestled in Pima County, just south of Tucson, Sahuarita offers a peaceful and welcoming environment, surrounded by breathtaking desert vistas and majestic mountain ranges, creating an unforgettable experience for residents and visitors alike. The town caters to a diverse range of residents, from singles to families to senior citizens, with its exceptional amenities and a vibrant cultural scene, promising a fulfilling life for all.

Families will appreciate Sahuarita's highly ranked public school system, providing a top-notch education to students of all ages. The town's safe community and abundance of parks and green spaces create an ideal environment for children to play and explore the great outdoors. Sahuarita ensures that families have all the resources they need to thrive.

Singles will be captivated by Sahuarita's vibrant nightlife and entertainment scene. Numerous restaurants, bars, and music venues offer a variety of options for a fun night out. Whether you're looking for a cozy dinner or a lively gathering with friends, Sahuarita has it all. Its proximity to Tucson also provides easy access to a wider range of attractions and amenities.

For senior citizens, Sahuarita's allure lies in its abundance of benefits tailored specifically for their needs. The town's planned neighborhoods and active adult communities provide housing options designed for senior living. These communities offer amenities such as fitness centers, swimming pools, walking trails, and organized social activities, ensuring a comfortable and engaging lifestyle for senior residents.

Sahuarita takes great pride in providing exceptional resources and services exclusively for senior citizens. The Sahuarita Senior Center serves as a hub for social activities, educational programs, and support services. From lively dances and game nights to fitness classes and informational seminars, the center fosters a strong sense of community for seniors. Moreover, the town boasts state-of-the-art medical facilities and accessibility to quality healthcare services, ensuring the well-being of its senior population.

But Sahuarita's appeal goes beyond just its amenities and services. The town's natural beauty captivates residents of all ages. Surrounded by picturesque desert vistas and nearby mountain ranges, Sahuarita offers a breathtaking backdrop for outdoor enthusiasts and nature lovers. The nearby Santa Rita Mountains present an abundance of hiking trails and opportunities for outdoor adventures, allowing residents to stay active while immersing themselves in the wonders of nature.

Welcome to Sahuarita, Arizona, where majesty, grandeur, and elegance meet exceptional amenities and a warm community. Whether you are a single, a family, or a senior citizen, Sahuarita promises a fulfilling and enchanting life for all who choose to call it home.

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

Weather Risks in Sahuarita, AZ

Sahuarita, Arizona has its own set of weather-related challenges and risks, especially for residents living in mobile/manufactured homes or RVs. Here's a breakdown:

1. Extreme Heat & Sun Exposure:

Definition: Extreme heat in Sahuarita is characterized by prolonged periods of high temperatures, sometimes exceeding 100°F. Sahuarita often has clear, sunny days, exposing residents to UV radiation.

Problems Caused:

Increased risk of heat-related illnesses.
Strain on the local power grid due to air conditioning use.
Risk of sunburn, heat stroke, and long-term skin damage.

Implication for Mobile/Manufactured Home and RV Owners:

Ensure proper insulation and air conditioning functionality.
High electricity bills due to constant air conditioning use.
Install shades or use UV-protective window films.
Keep hydrated and minimize direct sun exposure.

2. Thunderstorms:

Definition: Sahuarita experiences seasonal thunderstorms, particularly during the monsoon season.

Problems Caused:

Flash flooding.
Lightning strikes, potentially causing fires or electrical problems.

Implication for Mobile/Manufactured Home and RV Owners:

Ensure proper drainage around the property to prevent flooding.
Need for lightning rods or other preventive measures.

3. High Mosquito/Pests Activity:

Definition: Warm weather and standing water from rain contribute to high mosquito activity. Ant infestations and indoor pests are common, influenced by weather conditions.

Problems Caused:

Increased risk of mosquito-borne diseases.
Property damage.
Potential health risks due to bites or allergens.

Implication for Mobile/Manufactured Home and RV Owners:

Ensure window and door screens are intact.
Use of mosquito repellents and traps.
Regular pest control measures may be necessary.
Seal gaps and cracks where pests could enter.

Recommended Attractions in Sahuarita, AZ

1. Titan Missile Museum

Delve into the history of the Cold War at this museum, which is the only one of its kind remaining. The site tours, led by retired Air Force veterans, are both educational and dramatic.

2. Green Valley Farmer’s Market

Located a few miles from Sahuarita, this is possibly southern Arizona’s largest and oldest market. It offers an array of produce, crafts, and local delicacies.

3. Anamax Recreation Center

A multi-purpose center offering sports facilities, nature trails, and dog parks. The center is also host to various special events throughout the year.

4. Community Performance and Art Center

Situated nearby in Green Valley, this venue features over 100 live events annually and includes a dedicated art gallery.

5. Asarco Mineral Discovery Center

Learn about Arizona’s rich mining history and take a tour of a working, open-pit copper mine. Advanced reservations are recommended.

6. Madera Canyon

Close to Sahuarita, this canyon offers popular hiking trails, campgrounds, and a chance to observe local wildlife.

7. Tubac

An important historic site, Tubac was one of Arizona’s earliest European settlements. Today, it’s a thriving arts community with galleries, shops, and restaurants.

8. Tumacacori Mission

Originally built in 1692, this historic mission offers insights into the area’s colonial past. The site is part of the larger Tumacacori National Historic Park.

9. The Tucson Museum of Art

Just a short drive from Sahuarita, this museum features art influenced by the Southwest and Native American culture.

10. Green Valley Pecan

Learn about the local pecan industry and take a tour of one of the largest pecan farms in the area. Don’t forget to check out the gift shop!

11. Desert Diamond Casino

Open 24/7, this casino offers a variety of gaming options, dining experiences, and even includes a 2,000-seat concert venue.

12. Gene C. Reid Park

A park offering a multitude of recreational opportunities, from walking trails to picnic spots, making it a great outing for the family.

Sahuarita offers a blend of historical sites, natural beauty, and modern attractions, making it an interesting destination for all types of travelers.

Property Crime Rates in Sahuarita, AZ

Overall Crime:

Sahuarita has a moderate overall crime rate of 9 crimes per 1,000 residents. The chance of becoming a victim of crime is 1 in 107, placing it near the average for U.S. cities and towns of all sizes.

Comparison to Arizona:

Relative to other communities in Arizona, Sahuarita fares well, with a crime rate lower than approximately 61% of other locations in the state.

Comparison to Similar-sized Communities:

Compared to other communities of similar size across America, Sahuarita is safer than most, as per NeighborhoodScout’s analysis of FBI crime data.

Violent Crime Insights:

Sahuarita has an average violent crime rate compared to the national standard, standing at 1 violent crime per one thousand residents.
Violent crimes include offenses like armed robbery, aggravated assault, rape (not statutory), and murder and non-negligent manslaughter.
The chance of becoming a victim of a violent crime in Sahuarita is 1 in 721, which aligns closely with national averages.

Property Crime Insights:

Sahuarita, AZ appears to be a relatively safe community when compared both to the state of Arizona and to other communities of similar size across the U.S. While violent and property crimes do occur, they happen at rates that are close to or better than national averages. This makes Sahuarita a place where residents might feel a relative sense of safety, but like any community, it would benefit from continued efforts to further reduce crime rates. These efforts could include community policing initiatives, educational programs, and the active involvement of local residents in crime prevention measures.

Coverage Limits and Sublimits:

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Potential Rate Increases:

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Coverage for Relocation:

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.

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!

Exclusions and Limitations:

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

Inflation Protection:

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

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 Sahuarita, AZ

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

Sahuarita Heights Mobile Home Park

Location: 17111 South Country Club Road, Sahuarita, AZ 85629

Description: Sahuarita Heights Mobile Home Park is an all-ages community with 47 sites. It has vacant sites available and allows pets as long as they are inside dogs. The streets are narrow and paved. This community was built in 1972 and is located about 9 miles from water sources, 7 miles from golf, and 3 miles from parks.

Los Arboles Community

Location: 17200 South La Villita Road, Sahuarita, AZ 85629

Description: Los Arboles Community is an all-ages community with 101 sites. It offers vacant sites and has various amenities, including a playground and recreational facilities. Pets are allowed, with restrictions (no more than 2 pets, each weighing less than 30 pounds, subject to community approval). The streets are of average width and paved. This community was built in 1969 and is located about 8.6 miles from water sources, 6 miles from golf, and 1 mile from parks.

Graham MH Sales

Location: 7040 N Oracle Rd, Suite C, Tucson, AZ 85704

Description: Graham MH Sales is a mobile home dealer specializing in 55+ and all-age parks in Tucson, AZ. They have 26 homes for sale and offer assistance in buying or selling homes in various communities in the area. The dealer is available by appointment and has been serving Tucson since 1984, providing real estate services for mobile homes. You can contact them at 520-297-1136 for more information.

Sahuarita'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 Sahuarita

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

Foundation Coverage:

Offers coverage for repairing or replacing the foundation of a mobile/manufactured/pre-fab home in case of damage caused by a covered event.

Trip Collision Coverage:

Protects your mobile/manufactured/pre-fab home during transportation/moving from one location to another, covering any damages that may occur during transit.

Awnings/Carports Coverage:

Provides coverage for repairs or replacement of awnings/carports attached to your mobile/manufactured/pre-fab home if they are damaged in a covered incident.

Detachability Coverage:

This endorsement allows for detached structures, such as sheds or garages, to be covered under your mobile/manufactured/pre-fab home policy.

Total Loss Replacement Coverage:

Provides coverage for the full replacement cost of your RV with a brand new one of similar value if it is declared a total loss due to a covered event.

Full-Time RV Coverage:

If you live in your RV full-time, this endorsement provides additional coverage tailored to the unique needs of full-time RVers, such as personal liability coverage and coverage for personal belongings.

What Additional Services Can You Get Covered?