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Protect Your Manufactured Home in Surprise, 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 Surprise, AZ: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Surprise, AZ: Costs, Coverage, and Considerations

Welcome to Surprise, Arizona – an energetic and vibrant city located in Maricopa County. Known for its family-friendly neighborhoods, recreational opportunities, and growing community, Surprise offers a delightful blend of suburban living and urban amenities.

Surprise is a haven for outdoor enthusiasts, thanks to its numerous parks and recreational areas. The city boasts over 25 scenic parks, providing ample space for picnicking, walking, jogging, and playing sports. The Surprise Recreation Campus is a popular destination, offering state-of-the-art sports facilities, including baseball fields, tennis courts, and a skate park. The sprawling White Tank Mountain Regional Park, located nearby, is a paradise for hikers, with its breathtaking desert landscapes and picturesque trails.

The city also embraces a vibrant arts and culture scene. The Surprise Arts and Cultural Advisory Commission organizes events and exhibitions throughout the year, showcasing local artists and performers. The Surprise Stadium hosts spring training games for major league baseball teams, allowing residents and visitors to enjoy the excitement of the sport up close. The community theater and performing arts center provide a platform for local talent to shine, while the Surprise Symphony Orchestra performs a diverse range of musical genres for the enjoyment of all.

Surprise values its residents and strives to provide a high quality of life for all ages. The city is home to top-rated schools, ensuring that children receive an excellent education. The Surprise Aquatic Center and the Surprise Tennis and Racquet Complex offer opportunities for both competitive and recreational sports. The city’s library and recreation centers provide resources and programs for learning and enrichment. Residents also enjoy a variety of shopping and dining options, including the bustling Surprise Marketplace and the charming town center.

Surprise is a city that embraces growth and innovation. As its name suggests, Surprise has experienced rapid development over the years, attracting new residents and businesses. The city’s strategic location near major highways and airports makes it an attractive destination for entrepreneurs and investors. Surprise is committed to economic development and has created business-friendly policies to encourage growth and job opportunities.

One quirky fact about Surprise is its unique street naming system. The majority of Surprise’s streets are named after notable people, including athletes, entertainers, and notable figures in history. Walking through the neighborhoods, you may find yourself on streets named after Clint Eastwood, Sandra Day O’Connor, or Mickey Mantle, adding a touch of surprise and curiosity to the city’s charm.

Welcome to Surprise, Arizona, where outdoor adventures, cultural experiences, and a thriving community await. Discover the surprises that this dynamic city has to offer, and join a community that is committed to embracing the best of suburban living with a hint of urban excitement.

Understanding Mobile Home Insurance in Arizona

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.

The 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 Surprise, AZ

Choosing the Right Mobile Home Insurance for Surprise, 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 Surprise, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Surprise, AZ

Surprise experiences extreme heat during the summer months with temperatures that can exceed 110 degrees Fahrenheit. This extreme heat poses significant risks to health and safety, especially for vulnerable populations.
Extreme heat can be particularly harsh on mobile homes which may not have the same level of insulation as traditional homes. Air conditioning units may struggle to keep up with the heat, and utility costs can skyrocket. Consider installing reflective or “cool” roofing, shades, or using air-conditioning units specifically designed for these types of homes to mitigate the heat’s impact.

Monsoon season in Arizona brings moisture-bearing winds that result in thunderstorms. These storms are accompanied by strong winds, blowing dust, and even hail.
Mobile homes are generally more susceptible to wind and hail damage than traditional homes. Secure your mobile home with over-the-top or frame ties. For those living in RVs, it may be wise to move to a more secure location if a severe storm is predicted. Make sure to close and lock all windows and doors to prevent wind and hail damage.

Although not frequent, the area does experience floods, particularly in low-lying regions and during the monsoon season. Flash floods can occur with little warning. Flooding poses a significant risk to mobile and manufactured homes, which are often not as securely anchored as traditional homes. Residents should be aware of their flood risk and consider relocating temporarily during flood watches or warnings. Flood skirts or barriers could also be installed around the home to minimize water intrusion.

Recommended Neighborhoods in Surprise, AZ

  • Sun City Grand North
  • Greer Ranch
  • Sierra Montana West
  • Beardsley
  • The Classics
  • Lexington
  • Asante
  • Sun City Grand
  • Arizona Traditions
  • Sierra Montana

Property Crime Rates in Surprise, AZ

  • Overall Crime Rate: 16 crimes per 1,000 residents
  • Chance of Becoming a Victim: 1 in 64

Comparison with Arizona and the U.S.

  • State Comparison: Higher than approximately 62% of Arizona communities.
  • National Comparison: Higher than the national average.
  • Similar Sized Communities: Lower than the average crime rate.

Specific Crime Rates (per 1,000 residents)

Specific Crime Rates (per 1,000 residents)

Violent Crime Rate:

  • Rate: 1
  • Chance of becoming a victim: 1 in 773
  • Tracked Violent Crimes: Armed robbery, aggravated assault, rape (not statutory), murder and non-negligent manslaughter.

Property Crime Rate:

  • Rate: 14
  • Tracked Property Crimes: Motor vehicle theft, arson, larceny, and burglary.
  • Chance of becoming a victim: 1 in 69

Key Points

  • Relative Safety Among Similar Sized Cities: Surprise stands out as being safer than most cities of similar size across the U.S. This is a notable positive in the city’s overall crime profile.
  • Violent Crime: The violent crime rate in Surprise is about average for all communities in America, presenting a moderate risk for residents.
  • Property Crime: The property crime rate, however, is above average, indicating a higher likelihood for residents to become victims of property-related offenses.

Surprise, Arizona’s crime profile is a mixture of contrasts. Its overall and property crime rates are higher than national averages, representing areas where the community needs to invest more in preventive and enforcement measures. However, when compared to similarly sized communities, Surprise stands out as being relatively safer, particularly with respect to violent crimes.

Residents and authorities in Surprise should recognize these dynamics in their approach to community safety. Understanding the nuances of the local crime rate can help guide effective policy and community engagement, working towards a safer environment for all residents. It’s important for local communities to work together, stay informed, and support local law enforcement initiatives to reduce crime and ensure public safety.

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Are you in Surprise, AZ, looking for mobile home insurance

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.

Age and Condition of the Home:

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.

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.

Stability of the Insurance Company:

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

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.

Manufactured Home Insurance Coverage:

CoverTree offers insurance coverage specifically designed for manufactured homes in Arizona. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

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.

Arizona Mobile Home Facts

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.

  • 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.

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:​

  • closure of the park
  • redevelopment of the park
  • a qualifying rent increase
  • a change in community age restriction; or
  • 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 the Best Mobile Home Insurance In Surprise

Finding the Best Mobile Home Insurance In Surprise

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

Reasoning: Surprise experiences intense sun exposure. This endorsement provides coverage for damages caused by prolonged sun exposure, including fading, cracking, or warping of exterior surfaces.

Reasoning: Surprise has many golf courses. If you park your RV near golf courses, this coverage offers liability protection for accidents or injuries related to golf course activities.

Reasoning: Installing security cameras can enhance safety. This endorsement offers discounts on the installation of security cameras and related equipment for your mobile home.

Reasoning: Active participation in local art and cultural events can reduce crime. This endorsement offers a discount or coverage enhancement for participating in art and cultural programs in the community.

Reasoning: Golf carts are commonly used in RV communities. This coverage addresses damages to or theft of golf carts stored on your RV property.

Reasoning: If you attend golf tournaments or events in your RV, this coverage offers liability protection for accidents or injuries that might occur during these events.

  • 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



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