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

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

Welcome to Tolleson, Arizona – a small yet vibrant city located in Maricopa County. Known for its rich agricultural heritage, close-knit community, and convenient location, Tolleson offers a charming mix of small-town charm and modern amenities.

Tolleson is proud of its agricultural roots and celebrates its farming heritage. The city was once known as the “Vegetable Capital of the World” due to its thriving agricultural industry. Today, while urban development has transformed some of the farmland, the city still pays homage to its agricultural heritage with events like the Arizona International Film Festival and Downtown Farmer’s Market, where local growers come together to showcase their fresh produce and artisanal products.

The city embraces a strong sense of community and offers numerous events and activities that bring residents together. Tolleson’s Parks and Recreation Department organizes various community events throughout the year, such as parades, festivals, and concerts. The city’s Veterans Park is a popular gathering spot, featuring a splash pad, playground, and picnic areas where families can relax and enjoy quality time together. The Tolleson Community Center also hosts classes, workshops, and activities for residents of all ages.

Although small in size, Tolleson offers a range of dining options that cater to diverse tastes. From authentic Mexican cuisine to American comfort food, residents and visitors can enjoy a variety of culinary experiences. The local eateries reflect the city’s cultural diversity, and some even offer live music and entertainment to enhance the dining experience.

Conveniently located near major highways and transportation hubs, Tolleson provides easy access to nearby cities and attractions. The city’s proximity to downtown Phoenix makes it an ideal choice for commuters seeking a peaceful place to call home while being close to urban amenities. The nearby Estrella Mountain Regional Park offers opportunities for hiking, biking, and outdoor recreation, allowing residents to enjoy the natural beauty of the surrounding desert landscape.

Tolleson’s commitment to education can be seen in its quality schools and educational programs. The Tolleson Union High School District serves the area, providing students with excellent academic and extracurricular opportunities. For those seeking higher education, Tolleson is within commuting distance of several universities and colleges, making it a convenient location for lifelong learning.

With its rich history, welcoming community, and convenient location, Tolleson is a hidden gem in the heart of Arizona. Whether you’re exploring the local farmers market, enjoying a community event, or simply soaking in the friendly atmosphere, Tolleson offers a small-town charm that will make you feel right at home.

Welcome to Tolleson, Arizona, where community spirit blossoms, and cultural heritage thrives. Experience the warmth and hospitality of this tight-knit city and discover the hidden beauty waiting to be explored. Tolleson is more than just a place to live – it’s a place where neighbors become friends and memories are made.

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 Tolleson, AZ

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

Weather Risks in Tolleson, AZ

Description: Tolleson faces extreme heat risks, especially during the summer months. Temperatures can rise as high as 105 °F, posing a severe risk to health and property.

Implications for Mobile/Manufactured/RV Home Owners: Extreme heat can cause a range of problems, from malfunctioning air conditioning units to potential heat damage to the vehicle’s interior and exterior. RV owners should consider finding shaded or indoor storage spaces, and invest in high-quality protective coverings specifically designed for extreme heat conditions. Ventilated indoor storage can also prevent moisture build-up, reducing the risk of mold and mildew.

Description: The area experiences a high level of thunderstorm activity, as well as a significant tornado index. These storms can come with severe wind, hail, and lightning.

Implications for Mobile/Manufactured/RV Home Owners: Given the higher susceptibility to wind and hail damage, mobile or RV homeowners should have robust safety measures in place, such as over-the-top ties for mobile homes. During tornado warnings, evacuating to a sturdier structure is strongly advised. Protective coverings can help shield against hail and minor wind damage.

Description: Tolleson has a minor risk of flooding, but when it happens, it can be sudden and severe, particularly in low-lying areas.

Implications for Mobile/Manufactured/RV Home Owners: Given that mobile and manufactured homes are often less secure than traditional structures, flood risks should not be ignored. Relocating during flood watches or warnings is advised. If the RV is stored outdoors, make sure it is on high ground to minimize flood risk.

Additional Considerations
Pests and Health Risks: Ants and other pests pose a health risk in Tolleson. Make sure your property is well-sealed against pests. Use safe and effective pesticides to treat any infestations.
Heat and Health: The link between extreme heat and health problems like heart attacks is significant. Older adults and people with preexisting health conditions who live in mobile homes should take extra precautions during hot weather, such as staying hydrated and keeping cool.

Recommended Attractions in Tolleson, AZ

  • Whoopee Daze Festival
  • Tolleson Parks
  • Corral West Horse Adventures
  • Monument Hill
  • Tres Rios Wetlands
  • Estrella Star Tower
  • Avondale Friendship Park
  • Brass Armadillo Antique Mall
  • Peoria Farmers’ Market
  • Glendale Historic District

Property Crime Rates in Tolleson, AZ

The following data is from 2019, click here to see Tolleson’s City provided crime data.

Comparison with Arizona and the U.S.

  • Tolleson vs. Arizona: Tolleson’s overall crime rate is 243% higher than Arizona’s rate of 2,896 per 100,000 people.
  • Tolleson vs. the U.S.: The national overall crime rate is 2,489 per 100,000, making Tolleson’s rate extremely high in comparison.

Specific Crime Rates (per 100,000 residents)

  • Property Crime Rate: 9,001; nationally, the rate is 2,110.
  • Larceny: 5,271; U.S. rate is 1,550.
  • Burglary: 2,784; U.S. rate is 341.
  • Motor Vehicle Theft: 946; U.S. rate is 220.

Violent Crime Rate

  • Violent Crime Rate: 919; nationally, the rate is 379.
  • Aggravated Assault: 595; U.S. rate is 250.
  • Robbery: 270; U.S. rate is 82.
  • Rape: 54; U.S. rate is 43.
  • Murder: 0; U.S. rate is not specified, but there were 16,425 murders nationwide in 2019.

Type of Crimes Committed:


Tolleson, Arizona, has an exceptionally high crime rate compared to both the state of Arizona and the United States as a whole. Particularly concerning is the rate of property crimes, which are significantly higher than the national averages. While violent crimes are less frequent compared to property crimes, their rate is still considerably higher than the U.S. average. Given these statistics, it’s evident that Tolleson faces serious challenges related to crime. Effective strategies involving community engagement, law enforcement, and social services are urgently needed to address these high crime rates and improve public safety.

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

Insurance Company Reputation

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

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.

Seek Professional Advice

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

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.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Get Some Quotes

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

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 Tolleson, AZ

Finding the Best Mobile Home Insurance In Tolleson, AZ

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Tolleson’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: Tolleson experiences monsoon storms. This endorsement provides coverage for damages caused by monsoon-related events like heavy rains, flash floods, and wind damage.

Reasoning: If you use your RV for desert adventures, this coverage addresses damages to or theft of specialized equipment like dirt bikes, ATVs, or dune buggies stored in your RV.

Reasoning: Desert landscaping is popular. This endorsement offers coverage for damages to desert plants, rocks, or garden features on your mobile home property.

Reasoning: Active participation in local community watch programs can enhance security. This endorsement offers a discount or coverage enhancement for participating in neighborhood watch efforts.

Reasoning: If you frequently take your RV on off-road trails, this coverage offers liability protection for accidents or injuries that might occur during off-road adventures.

Reasoning: In desert regions, wildlife encounters can occur. This coverage provides protection for damages to your RV resulting from interactions with desert wildlife, such as collisions with animals.

  • 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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