Covertree’s Comprehensive Guide!
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.
Sedona faces significant flood risks, which could severely affect local properties and infrastructure:
While tornadoes aren’t as common as floods, they’ve historically impacted the region around Sedona:
Climate change exacerbates both flooding and tornado risks and introduces new challenges:
Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.
Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.
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.
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.
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.
Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.
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.
This is a 55+ manufactured home community in Sedona that may offer both homes for sale and for rent.
Located just outside the Sedona area in Pinetop, AZ, R-Anell Homes is a manufactured and modular homebuilder that offers a range of customizable floor plans to meet a variety of housing needs. They provide a range of energy-efficient features and options that can help you save money on your utility bills.
With locations in Phoenix and Tucson, Palm Harbor Homes has been serving Arizona residents for over 40 years. They offer a range of mobile, manufactured, and modular homes built with quality craftsmanship and designed to meet a variety of lifestyle needs. Additionally, they offer financing and insurance services options to make home buying easier.
With two locations in Tucson, Clayton Homes offers a range of manufactured and modular homes with customizable floor plans and high-quality features. Their manufactured homes can be built to HUD code, and they offer a range of energy-efficient and other options and upgrades. Furthermore, they provide financing assistance and have a vast selection of homes that can meet various budgets.
With several locations throughout Arizona, J & M Homes LLC is a manufactured and modular home dealership that offers a range of new and pre-owned manufactured homes from various manufactures such as Fleetwood Homes, Cavco Homes, and Schult Homes. Some of the benefits of working with J&M Homes are competitive pricing, customization options, and finance options.
Located in Cottonwood, AZ, just 18 miles away from Sedona, Pine Shadows is a 55+ active adult community offering both manufactured homes and RV spaces. With a great location, affordable rates, and easy access to amenities such as shopping centers, golf courses, and health facilities, Pine Shadows offers an ideal combination of location and quality living.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Sedona
Given the climate and weather conditions in Sedona, AZ, it’s crucial to have coverage for specific weather-related events such as windstorms, hail, or monsoons. Checking the specifics of the policy to ensure these perils are covered is important.
If you own a boat or other watercraft, this coverage can help protect you from legal liability if someone is injured while on your vessel or if your boat causes damage to someone else’s property.
For mobile and manufactured homeowners with decks, patios, retaining walls, and sheds, outdoor property coverage helps protect these structures from damage or destruction due to weather-related incidents.
If you work from home, this coverage can protect your home and business assets against damages and liabilities.
Helps cover the additional costs of rebuilding your home to meet updated local building codes after it has been damaged.
Provides coverage for eco-friendly upgrades to your home, such as solar panels, eco-friendly heating and cooling systems, and more.
Extends liability coverage when you are using your RV as a vacation residence, offering protection against injuries that occur at your campsite.
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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