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

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

Welcome to Tucson, AZ a place ! Nestled within the majestic embrace of the Sonoran Desert and basking in the glow of 350 sun-kissed days annually, Tucson is Arizona’s sparkling gem. More than just a city with clean air and tantalizing Southwestern cuisine, it’s a vibrant cultural melting pot where Mexican, Native American, and Western traditions come alive in harmonious symphony.

When you first think of Tucson, what might come to mind is its legendary Southwestern cuisine. But that’s just the beginning. The city is a haven for art and culture aficionados! Do you truly want to immerse yourself in the arts? Explore the Tucson Museum of Art or take a neon class at the Ignite Sign Art Museum. Book lovers rejoice during the Tucson Festival of Books, while the Fourth Avenue Street Fair brings together global artists and local delights. For the adventurers, the surrounding desert offers trails that beckon hikers, mountain bikers, and horseback riders. And once the sun dips below the horizon, Tucson’s nightlife emerges with places like Sky Bar, where astronomy meets relaxation, and the retro-cool Shelter Bar.

For families, places like the Pima Air and Space Museum and the interactive Children’s Museum Tucson ensure young minds are always engaged and entertained. And for those who find solace in the gentle thwack of a golf ball, Tucson’s greens like the Randolph Dell Urich Golf Course await your swing.

If you’re someone who’s always up for a festival or two, Tucson has got you covered year-round. Book lovers flock to the Tucson Festival of Books, while those in search of unique trinkets can’t resist the allure of the Tucson Gem, Mineral, and Fossil Showcase. But perhaps what captures the spirit of the city the most is the All Souls Procession Weekend, a stunning display of art and reflection that celebrates life and death.

Outdoor enthusiasts will feel right at home here. With national parks such as Saguaro and recreation areas like Sabino Canyon beckoning, every hike, camp, and cycle becomes a cherished memory. And for the families? The Pima Air and Space Museum offers an out-of-this-world experience, while places like the Children’s Museum Tucson ensure endless hours of learning and fun. Of course, no mention of Tucson would be complete without highlighting its vibrant nightlife. From the astronomy-themed Sky Bar Tucson to the retro Shelter Bar, there’s a place for every kind of night owl.

But what truly makes Tucson special is its people. With a diverse community ranging from college students to retirees, it’s a city that thrives on shared experiences, be it over a game of golf or a night of stargazing.

While Tucson, like any city, has its challenges, the allure of its warm weather, eclectic culture, and the undeniable charm of its adobe-style buildings make it a place many are proud to call home. Tucson boasts an affordable living standard and a myriad of activities, but it also faces challenges with higher temperatures and some safety concerns. But the welcoming spirit, rich culture, and endless recreational options make it a fantastic place to call home. So, if you’re seeking a blend of cultural richness and sunlit adventures, making the big move or just dropping by for a visit, know that Tucson is ready to welcome you with open arms and sunny skies. Come and discover the magic for yourself! Tucson might just be the place for you. Welcome aboard!

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 Tucson, AZ

Choosing the Right Mobile Home Insurance for Tucson, 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

  • Overview: Arising predominantly during the monsoon season, these intense dust storms, known locally as “haboobs,” can drastically reduce visibility within seconds.
  • Impact: Besides hampering visibility and endangering motorists, haboobs can exacerbate respiratory conditions, deposit grime on properties, and interrupt daily activities.
  • Insurance Implications: Residents might consider insurance policies that address damage from dust storms, especially related to health complications or property damages.

  • Overview: As the data suggests, the number of sweltering days exceeding 109.9ºF in Tempe is projected to skyrocket from an average of 7 days a year (between 1985-2005) to an alarming 44 days by 2050.
  • Impact: Such oppressive heat can jeopardize public health, strain the city’s power grid, and lead to escalated utility costs. In light of the escalating temperatures, Tempe is proactively addressing the urban heat island effect. By implementing green building codes and promoting green infrastructure, the city hopes to provide its residents with cooler, more sustainable urban spaces.
  • Insurance Implications: While some damages, like those caused by electrical surges due to AC overloads, might be covered by standard policies, residents may benefit from policies that address other heat-induced damages.

  • Storms: Even though Tempe’s annual precipitation is not expected to change significantly by 2050, extreme storm events can trigger flooding, endangering 91% of buildings in the city.
  • Drought: Tempe lies within the Lower Salt watershed, which has seen 20% of its weeks since 2000 experiencing Extreme or Exceptional drought conditions.
  • Insurance Implications: Given the risks, homeowners might evaluate their coverage for flood and drought-related damages.

Recommended Neighborhoods

Greatest Tucson Income Growth By Neighborhood (last 5 years):

Best Tucson School Neighborhoods:

Property Crime Rates in Tucson, AZ

Property Crime Rates in Tucson, AZ

The crime rate in Tucson is higher than the national average across all communities in America. Compared to other communities of similar population size, Tucson has a crime rate that is noticeably higher than the average. This means that for comparably sized cities all across America, Tucson is actually more dangerous than most.

Tucson’s crime landscape is notably alarming when compared to both national and state averages:

Overall Crime Rate: 47 per one thousand residents

Comparison within Arizona:

Benchmark with Similar Cities:

Violent Crimes:

Property Crimes:

Motor Vehicle Theft:

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

Review and Compare Policies

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.

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.

Additional Structures

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.

Personal Liability Coverage

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.

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.

Look Over the Details

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.

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 Tucson, AZ

Finding the Best Mobile Home Insurance In Tucson, AZ

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



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