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Protect Your Manufactured Home in Tempe, AZ

Disclaimer: Data Accuracy and Sources
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 Tempe, AZ: Costs, Coverage, and Considerations

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

Welcome to Tempe, AZ – Nestled in the heart of Arizona, Tempe is a lively community bursting with energy, art, and endless fun. Anchoring this vibrant city is the picturesque Tempe Town Lake, a hub for both adventure and relaxation. Whether you’re paddling a dragon boat, jogging along the five-mile scenic pathway, or simply capturing the breathtaking views with your camera, there’s a slice of paradise waiting for you at every corner. And for those with a passion for celebrations, Tempe Town Lake hosts over 40 annual events, from the thrilling Ironman Arizona to the spectacular July 4th festivities.

But Tempe isn’t just for the outdoor enthusiast. For the food connoisseurs, the city is a culinary dream, offering handcrafted cocktails from local distilleries like Adventurous Stills and iconic brews from places such as Four Peaks Brewery. Dive into award-winning local eateries like Vincentorio’s and Cafe Boa, and let Tempe tantalize your taste buds. Art lovers will find themselves immersed in Tempe’s rich cultural scene, with art galleries peppered throughout the city, like the esteemed ASU Art Galleries and the City of Tempe galleries. Revel in stellar performances at venues like ASU Gammage and the Tempe Center for the Arts. And if history beckons, the Tempe History Museum and Arizona Heritage Center at Papago Park are treasures waiting to be explored.

For those with a penchant for adventure, the city promises exhilarating hiking and biking trails, from the heart of downtown to the expansive regional parks nearby, such as the magnificent South Mountain. And with a public park every mile, there’s always a spot to relax, play, or simply bask in Tempe’s beauty. The community-driven Kiwanis Park, complete with a serene lake, batting cages, and even a wave pool, stands as a testament to Tempe’s commitment to leisure and family fun.

Beyond its well-known attractions, Tempe boasts a rich tapestry of lesser-known gems that paint a full picture of this dynamic city. Home to the historic Mill Avenue, a stroll down this bustling street is a journey through time, as modern shops and cafes intertwine with preserved architectural wonders. Evenings here are particularly magical, with street musicians providing a melodious backdrop to the shimmering lights and lively chatter. And if you’re in the mood for a hearty laugh, the Tempe Improv, Arizona’s oldest comedy club, showcases a brilliant array of comedic talents sure to leave you in stitches.

Another unique feature of Tempe is its unwavering spirit of community and inclusivity. Throughout the year, the city is dotted with diverse festivals celebrating various cultures and traditions. From the vibrant Aloha Fest that brings the Hawaiian spirit alive to the rhythmic beats of the Dragonboat Regatta, every festival is a testament to Tempe’s multicultural ethos. Moreover, the city’s commitment to sustainability and eco-friendliness is evident in its numerous green spaces and initiatives like the Indian Bend Wash Greenbelt, a 40-mile-long oasis interconnecting parks, lakes, and golf courses. In Tempe, tradition meets innovation, and every visitor becomes a cherished part of its unfolding story.

Come to Tempe, where every street corner, park, and eatery invites you to live, laugh, and make memories. Welcome!

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 Tempe, AZ

Choosing the Right Mobile Home Insurance for Tempe, 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 Sierra Vista, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some laws, rules, and ordinances related to mobile homes, manufactured homes, prefabricated homes, and RVs in Sierra Vista, AZ:

Weather Risks

  • Does Sierra Vista have Wildfire Risk? Sierra Vista is facing a significant threat from wildfires. Over the next three decades, every property in the city, totaling 15,952, is at some risk from wildfires. These fires not only jeopardize properties but can disrupt utilities, hinder emergency services, block evacuation routes, and have broader economic implications. Sierra Vista Wildfire Risk Breakdown:
    • Residential Extreme Risk: All 14,175 homes are at extreme risk.
    • Commercial Extreme Risk: All 542 commercial properties are under extreme threat.
    • Critical Infrastructure Extreme Risk: 55 critical infrastructure facilities are all categorized under extreme risk.
    • Social Facilities Extreme Risk: 53 out of 55 social facilities face extreme risk.
    Given these statistics, the city needs to prioritize preventive measures and ensure adequate firefighting and evacuation resources are in place.

  • Monsoon season spans from June to September. With it comes increased humidity, fluctuating temperatures, and the potential for various extreme weather phenomena, including thunderstorms, lightning, heavy rain, hail, flash flooding, and strong winds. Monsoon Safety Driving Tips:
    • Be prepared for sudden changes in weather.
    • Equip your vehicle with essentials like a fully charged phone, drinking water, and an emergency kit.
    • If faced with a storm, it’s often safer to pull over and wait until it passes.
    • Find a safe spot away from the road.
    • Avoid driving through flooded areas, and always heed “Road Closed” signs.
    • Be wary of falling debris, especially after a storm has passed.

Climate change exacerbates both flooding and tornado risks and introduces new
  • Microbursts, intense small-scale downdrafts, can cause damage equivalent to a tornado. Sierra Vista has previously experienced the wrath of such events. In a past incident, a particular microburst storm impacted Cochise County residents profoundly. The brief yet intense storm, lasting 2-3 minutes, led to significant damage. Affected areas saw:
    • Trailers being completely demolished.
    • Large containers, holding water, being thrown around.
    • Infrastructure, like a smaller house, had its roof completely torn off, leading to interior structural damage.
    Given their swift and destructive nature, it’s crucial for residents to have a better understanding of microbursts and take protective measures when they occur.

Recommended Neighborhoods

According to the data, the greatest Tempe income growth by neighborhood (last 5 years):

Best Tempe Schools by Neighborhood:

Property Crime Rates in Tempe, AZ

Property Crime Rates in Tempe, AZ

Tempe, located in Arizona, exhibits a concerning trend when it comes to property crime rates, with these rates being significantly higher than the national average.

Tempe’s property crime rate stands at a staggering 62.7 per 100,000 citizens, which is notably higher than the U.S. average of 35.4.

According to crime statistics from 2019, a substantial number of 8,309 crimes were reported in Tempe. When adjusted for population, this equates to 4,229 incidents for every 100,000 people, a rate that is significantly higher than the national average of 2,489 incidents for every 100,000 individuals. Property crimes, in particular, account for about 89% of all reported offenses in Tempe. This is higher than the national proportion, where property crimes make up 85% of total reported crimes.



Motor Vehicle Theft:

Tempe’s property crime rates are alarmingly higher than both state and national averages. Residents and potential visitors are urged to take appropriate precautions to safeguard their belongings and properties.

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

Research Insurance Providers

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Consider the Coverage Options

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

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.

Evaluate Replacement Cost Coverage

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.

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!

Review the Claims Process

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

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 Tempe, AZ

Finding the Best Mobile Home Insurance In Tempe, AZ

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

These are some things you should look out for in an insurance plan for Tempe:

This is the most basic coverage and protects against damage to the mobile home itself. It covers damages from a variety of perils, including fire, wind, hail, theft, and vandalism. Given Tempe’s climate, coverage against extreme weather events can be particularly valuable.

This covers the contents of the mobile home, including furniture, appliances, electronics, and personal belongings. It provides protection in case of theft, fire, or other covered perils. It’s crucial for homeowners to estimate the value of their possessions accurately.

Should someone get injured on your property, or if you unintentionally cause injury or property damage to others, this coverage can protect against the costs of legal fees or potential lawsuits.

For mobile homeowners who occasionally relocate their homes, this is essential. It covers any damage to your mobile home while it’s being moved from one place to another.

Mobile homes often have structures like porches, decks, or carports attached. Standard policies might not cover these, so an additional option to insure them is necessary.

Standard mobile home policies often don’t cover natural disasters like floods and earthquakes. Given the potential for flash floods in Arizona and its proximity to seismic activity, it’s wise for homeowners in Tempe to consider adding these coverages, especially if their home is in a vulnerable area.

It’s important to discuss these specific coverage needs with your insurance provider, as they will have a better understanding of the risks associated with Tempe, AZ, and can tailor a policy that meets your unique requirements. CoverTree can help you with the easiest quote on the market.

  • 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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