Covertree’s Comprehensive Guide!
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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.
Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.
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.
If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.
Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.
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.
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.
Location: Just 6 miles from Downtown Tucson
Highlights:
Close to attractions such as Saguaro National Park, Pima Air & Space Museum, and Tucson Museum of Art.
Local transportation, including buses, makes exploration easy.
Nearby dining includes BBQ Rush and Brooklyn's.
Shopping options include Walmart, Costco, and Tucson Mall.
Pet-friendly community.
Amenities: Basketball Court, Carports, Clubhouse (also available for rent), Home Brokerage Services, Laundry Facilities, Lighted Streets, Newsletter, Off Street Parking, On-Site Maintenance, Management, Sales Office, Pets Welcome, Picnic Area/Pavilion/Grill, Playground, and a Swimming Pool.
Location: Right off West Ajo Way in Tucson, Arizona.
Highlights:
Exclusive for the age 55+ community.
Beautifully landscaped with an abundance of trees and picnic areas.
24-hour guarded entrance for enhanced safety.
Recreational facilities including 2 clubhouses, 2 swimming pools, 2 jacuzzis, library, and more.
Social programs: aquatic exercises, billiards, bingo, bowling (off-site), card & board games, dances, exercise classes, parties, and potluck dinners.
For Sale: Manufactured homes available for sale and spaces open for new homes.
Location: On Pantano Road between Golf Links and 22nd Street.
Highlights:
A luxurious 55+ manufactured home community.
Resort-like atmosphere for both indoor and outdoor activities.
Residents own and maintain their homes but rent their home site.
Homes available for sale on their website.
Location: 1661 W Prince Rd, Ste 103, Tucson, Arizona 85705
Highlights:
Largest selection of used mobile homes for sale in Tucson.
Expertise in placing homes in both 55+ and all age communities.
In-house financing, "owner carry", and private money loans available.
Provides assistance with short sales, estate sales, and legal liquidations.
Location: 1661 W Prince Rd Ste, 103, Tucson, AZ, United States, 85705
Contact: +1 520-696-0100
Highlights:
Offers a vast selection of pre-owned Manufactured homes throughout Tucson and its surrounding areas.
Provides a free listing service and also directly purchases homes from homeowners.
Guaranteed sales on almost any home listed with them.
Known as Tucson and Southern Arizona's Leading Mobile Home Broker with easy financing options available.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Tucson
These are some things you should look out for in an insurance plan for Tucson:
Given the extreme heat and intense sunlight in Tucson, many mobile homes have rooftop equipment, such as solar panels or HVAC units. Ensure that your insurance policy includes coverage for damages to these rooftop installations, as they are vital components of your home.
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.
The soil in Tucson can experience shifting and settling. Look for an insurance policy that includes coverage for damages to your mobile home’s foundation or structural elements caused by ground movement.
Tucson is known for its golf courses, and errant golf balls can potentially cause damages to mobile homes situated near them. Consider a policy that covers damages caused by golf balls, including broken windows, dented siding, or other impacts.
Tucson has a diverse wildlife population, which can sometimes lead to animal intrusions in mobile homes. Ensure that your policy includes coverage for damages caused by wildlife, such as damage from pests, birds, or other animals entering the home.
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
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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