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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.
Description:
San Luis, AZ experiences high temperatures, especially in the summer months, that can reach dangerously high levels. The risk of heat-related illnesses like heatstroke and heat exhaustion increases during these periods.
Implications for Mobile/Manufactured/RV Home Owners:
Description:
San Luis faces a monsoon season that brings heavy rains, thunderstorms, and high winds. These storms can occur suddenly and cause localized flooding, power outages, and downed trees.
Implications for Mobile/Manufactured/RV Home Owners:
Description:
San Luis can experience dust storms, particularly during the dry season or during monsoonal transitions. These storms reduce visibility dramatically and can cause respiratory issues.
Implications for Mobile/Manufactured/RV Home Owners:
This public park is a popular spot for locals and is gaining attention from visitors too. With amenities like an aquatic center, baseball fields, and BBQ areas, it’s a versatile spot for recreation and events.
Running from Thursday to Sunday, this downtown market offers an array of items ranging from clothing to cosmetics. The market has a unique Mexican influence, giving it a cultural flavor.
Learn about the history and traditions of the Cocopah Native Americans at this museum located on the Cocopah Reservation. The museum features traditional attire, artwork, musical instruments, and more.
Part of the University of Arizona, this garden educates visitors about the local flora. It’s not just for botanists; it’s a beautiful, serene spot for anyone looking to appreciate nature.
A significant historical landmark, this museum introduces visitors to the rough and rugged past of Yuma and San Luis. This site has a history dating back to the 1870s and offers a fascinating look at early incarceration.
Just a short drive away in Felicity, California, this quirky attraction claims to be the center of the world. Whether you believe it or not, it’s worth a visit to see the pyramid and the piece of the Eiffel Tower stairway on display.
Located on the Marine Corps Air Station in Yuma, this recreation area offers camping and a variety of water activities. It’s a great spot for fishing, swimming, and boating.
This museum is situated on the U.S. Army Yuma Proving Grounds and features historical exhibits that go back to World War II. A fascinating, if less well-known, destination.
This educational garden displays antique farm machinery alongside desert flora and fauna. It’s especially good for children, offering a duck pond and desert tortoises to view.
This center offers a range of activities including bowling, arcade games, and laser tag. It’s a great way to keep the family entertained, especially after exploring the desert’s historical sites.
San Luis has a crime rate of 7 crimes per 1,000 residents, which is lower than 63% of America’s communities. The chance of becoming a victim of either violent or property crime in San Luis is 1 in 137.
San Luis has a crime rate lower than nearly 70% of Arizona’s cities and towns, making it one of the top 100 safest cities in the U.S.
Compared to other communities of similar size across America, San Luis has a noticeably lower crime rate, making it safer than most similar cities according to NeighborhoodScout’s analysis of FBI data.
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.
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.
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.
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.
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.
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.
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.
Del Pueblo RV Resort is an age-restricted (55+) community located at 14794 S Avenue 3 E, Yuma, AZ 85365. Here are some details about this community:
Pet Policies : Pets are allowed.
Community Features: Del Pueblo RV Resort offers numerous amenities, including a clubhouse, swimming pool, recreational facilities, spa, horseshoes, Bocce Ball, basketball court, tennis court, shuffleboard court, billiard room, library, fitness center, pickleball courts, a dog park, planned social activities, and on-site staff.
Age Restrictions: Yes, this is an age-restricted (55+) community.
Number of Sites: There are 479 sites in this community.
Cactus Gardens RV Resort is another age-qualified Encore Resort located at 10657 South Avenue 9-E, Yuma, AZ 85365. Here are some details:
Pet Policies : Pets are allowed with no aggressive breeds.
Community Features: This resort features a clubhouse, swimming pool, recreational facilities, off-street parking, sidewalks, and various planned activities. It has a mix of homes with peaked roofs and lap siding, as well as RV sites.
Age Restrictions: Yes, this is an age-restricted (55 and older) community.
Year Built: The community was established in 1981.
Number of Sites: There are 428 sites in this community.
Desert Paradise RV Resort is located at 10537 South Ave SE, Yuma, AZ 85365. Here are some details about this Encore resort:
Pet Policies : Pets are allowed with no aggressive breeds.
Community Features: The resort offers a clubhouse, swimming pool, recreational facilities, off-street parking, sidewalks, and various planned activities. It has homes with peaked roofs and lap siding, as well as RV sites.
Age Restrictions: Yes, this is an age-restricted (55 and older) community.
Year Built: The community was established in 1987.
Number of Sites:There are 263 sites in this community.
Finding the Best Mobile Home Insurance In San Luis
Reasoning: San Luis experiences drought conditions. This endorsement provides coverage for the installation and maintenance of drought-resistant landscaping to conserve water.
Reasoning: If you frequently cross the border in your RV, this coverage offers assistance and guidance for border crossings and customs inspections.
Reasoning: Some properties may have freshwater wells. This coverage provides maintenance and repair coverage for well systems to ensure a continuous freshwater supply.
Reasoning: Active bilingual neighborhood watch programs can reduce crime in border regions. This endorsement offers a discount or coverage enhancement for participating in bilingual community watch efforts.
Reasoning: In border areas, bilingual assistance can be valuable. This coverage provides access to bilingual emergency assistance services in case of accidents or breakdowns.
Reasoning: For RVers traveling to Mexico, this endorsement provides comprehensive medical coverage, including healthcare services and hospitalization across the border.
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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