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Protect Your Manufactured Home In Wickenburg, 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 Wickenburg, AZ: Costs, Coverage, and Considerations

Welcome to Wickenburg, Arizona - a charming town nestled in the Sonoran Desert, known for its rich Wild West history, stunning natural landscapes, and thriving arts community. Wickenburg offers a delightful mix of small-town charm and unique western allure.

Wickenburg's Wild West heritage is celebrated throughout the town. Once a bustling mining and cattle hub, Wickenburg retains its old-west character with its preserved historic downtown area. Wandering down the streets, visitors can admire the authentic western architecture and browse through shops offering western attire, handmade crafts, and unique souvenirs. The Desert Caballeros Western Museum is a must-visit, showcasing art and artifacts that highlight the rich cultural and historical significance of the region.

Nature lovers will find solace in Wickenburg, as the town is surrounded by captivating natural beauty. The Sonoran Desert offers a playground for outdoor enthusiasts, with its rugged mountain ranges, vast desert landscapes, and unique flora and fauna. The Hassayampa River Preserve, a lush oasis in the desert, provides a serene environment for hiking, birdwatching, and picnicking. Wickenburg is renowned for its numerous guest ranches, allowing visitors to experience the true spirit of the Wild West. These ranches offer a range of activities, such as horseback riding, cattle drives, and guided tours, providing an immersive experience into the cowboy lifestyle. Guests can reconnect with nature, enjoy breathtaking sunsets, and savor hearty cowboy cuisine cooked over an open fire.

The arts community in Wickenburg is thriving, with galleries, studios, and theaters showcasing local talent. The Webb Center for the Performing Arts offers a diverse lineup of performances, including music, dance, and theater productions. Throughout the year, the town hosts various art festivals and events, providing opportunities for artists to exhibit their work and engage with the community.

Wickenburg's residents take pride in their close-knit community and vibrant downtown. The town hosts several annual events, such as the Gold Rush Days and the Bluegrass Festival, which attract visitors from far and wide. These events offer a chance to experience the rich heritage of Wickenburg, with live music, parades, rodeos, and western reenactments.

Wickenburg's location, just an hour's drive from Phoenix, provides a convenient escape from the big city while still offering access to urban amenities. The town's small airport and proximity to major highways make it easily accessible for travelers seeking a unique Arizona experience.

Welcome to Wickenburg, Arizona, where the Wild West is still alive and the spirit of adventure thrives. Explore the town's captivating history, immerse yourself in natural beauty, and join a tight-knit community that cherishes its western traditions. Whether you're admiring western art, riding horses through the desert, or strolling along historic streets, Wickenburg offers a genuine cowboy experience that will take you back to the days of the Wild West.

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.
  • he 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 Wickenburg, 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 Wickenburg, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Wickenburg, AZ

Description: Thunderstorms appear to be the most frequent weather event in Wickenburg, with a total of 239 recorded events. These storms can bring heavy rainfall, strong winds, and sometimes hail, posing a risk to property and safety.

Implications for Mobile/Manufactured/RV Home Owners: Thunderstorms can be particularly damaging to lighter structures like mobile homes and RVs. It’s essential to secure your home with storm straps or anchors. RVs and mobile homes should be relocated to safer, sturdier structures when a severe storm warning is in effect. Always have an emergency kit ready and be prepared to evacuate if necessary.

Description: With 87 recorded events, hail is another notable weather risk. Hail can cause significant damage to vehicles, roofs, and other exposed structures.

Implications for Mobile/Manufactured/RV Home Owners: Protective coverings are highly recommended to mitigate hail damage. Indoor storage for RVs can provide the best protection. Reinforced roofing materials can also provide an extra layer of protection for mobile and manufactured homes.

Description: Although not as frequent as other events, Wickenburg has recorded 30 flood events. Flooding can lead to property damage and pose serious health risks due to contaminated water.

Implications for Mobile/Manufactured/RV Home Owners: Ensure your home is elevated on a floodplain, if possible, to mitigate risks. Portable barriers can help protect against minor flooding. In the case of a flood warning, evacuation to higher ground is strongly advised.

Property Crime Rates in Wickenburg, AZ

 23 per 1,000 residents

  • State Comparison: Violent crime rate in 2019 was 47.07% lower than the Arizona average, and property crime was 14.03% lower than the Arizona average.
  • National Comparison: Violent crime was 36.48% lower and property crime was 0.56% lower than the national averages in 2019.
  • Violent Crime Rate: 2 per 1,000 residents; the chance of becoming a victim is not specified.
    • 2019 Incidents: Aggravated assault (13), Rape (4)
    • 2023 Projected Incidents: Aggravated assault (19), Rape (5), Robbery (1)
  • Property Crime Rate: 21 per 1,000 residents.
    • 2019 Incidents: Burglary (32), Larceny and Theft (93), Motor Vehicle Theft (23)
    • 2023 Projected Incidents: Burglary (36), Larceny and Theft (84), Motor Vehicle Theft (26)
  • Overall Downward Trend: While violent crime is increasing, property crime is decreasing, leading to a projected overall decrease in the crime rate for 2023 compared to 2019.
  • State and National Comparison: Wickenburg’s crime rates are generally lower than both state and national averages.
  • Violent vs. Property Crime: Although violent crime is on the rise, it remains lower than the national average. Property crime, while decreasing, also remains lower than the national average.

Wickenburg, Arizona, seems to be on a positive trajectory with an overall downward trend in crime rates, despite an uptick in violent crimes. The town performs well when compared to state and national averages, especially in property crimes. Given the upward trend in violent crimes, community engagement, and preventative measures should focus on this area to maintain and improve the town's generally favorable crime statistics.

Recommended Attractions in Wickenburg, AZ

Wickenburg is a treasure trove of Southwestern culture, history, and natural beauty. Whether you're captivated by the past, looking to explore the great outdoors, or in search of artistic inspiration, Wickenburg has something for everyone. Here's your complete guide to discovering this charming town.

Recommended Attractions in Wickenburg, AZ

Experience the desert in full bloom. Roadsides and the landscape are washed in color thanks to Desert Marigolds, Brittle Bush, Lupine, Mexican Gold Poppy, and more. Note that seasonal conditions can affect the bloom.

Located just north of Wickenburg on Highway 93, this unique forest sports huge cream flower stalks when in bloom.

A popular hiking destination with breathtaking views. Certificates are awarded to those who complete the hike.

A stunning natural preserve that’s perfect for a day of outdoor adventure.

Arts & Culture

Learn about Arizona and Western American history through an impressive collection of artifacts and art. Admission charged.

A 600-seat venue featuring a variety of performances from country to classical.

Recreational Activities

Choose from three stunning courses: Rancho de los Caballeros, Wickenburg Golf Club, and Big Wick at Wickenburg Ranch.

Make use of the hiking guide for exploring the desert trails safely.

Step back in time and explore this historic mining town. Tours available October through May.

Historic Attractions

A self-guided tour of historic buildings and interactive bronze statues around the town.

A living testament to Wickenburg’s past, this mesquite tree served as the town’s first jail. It has also been recognized as one of Arizona’s “Magnificent 7” Heritage Trees.

A historical marker commemorating the lives lost in an 1871 Apache-Mohave warrior attack.

A beautifully preserved steam engine, located on Frontier Street near the Santa Fe Depot.

A historical railroad car that once transported cowboys and cattle from Montana to California.

For more information and to plan a quintessential Wickenburg adventure, contact the Wickenburg Chamber of Commerce & Visitors Bureau at (928) 684-5479. Whether you're a history buff, outdoor enthusiast, or art lover, Wickenburg offers a unique blend of experiences that are sure to captivate any visitor.

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!

Discounts and Bundling Options:

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

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.

Underwriting Process:

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

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.

Mitigation Measures:

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

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.

Did You Know?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

Arizona Mobile Home Facts

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!

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.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

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.

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:​

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 A Manufactured Home or Community in Wickenburg, AZ

If you're in the market for a mobile or manufactured home in Wickenburg, it's important to have access to reliable and trustworthy information. Wickenburg, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Wickenburg has something for everyone.

Horspitality RV

Location: 51802 US Highway 60/89, Wickenburg, AZ 85390

Community Type: Age-Restricted (55+)

Pet Policies: Pets allowed on a leash with breed restrictions

Key Features: Horspitality RV is an age-restricted community with 100 sites located in Wickenburg. It offers various amenities, including a clubhouse, recreational facilities, and RV sites. This community provides a relaxed and friendly environment for residents aged 55 and over.


Location: 2501 W Wickenburg Way, Wickenburg, AZ 85390

Hours: Monday - Friday, 8 a.m. - 4 p.m.

Key Features: Westpark is a 55+ retirement mobile home community in Wickenburg. The community features a spacious clubhouse, community-organized activities, shuffleboard and tennis courts, a swimming pool, fitness center, billiard facilities, and more. It offers a convenient and comfortable living environment for retirees.

Country Club Park

Location: 1855 West Wickenburg Way, Wickenburg, AZ 85390

Community Type: Age-Restricted (55+)

Pet Policies: Pets allowed with size and breed restrictions

Key Features: Country Club Park is an age-restricted community with 140 sites in Wickenburg. It offers amenities such as a clubhouse, swimming pool, shuffleboard court, billiard room, library, fitness center, and planned social activities. The community provides a welcoming environment for residents aged 55 and over.

Wickenburg's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Wickenburg

It's essential to compare quotes from various insurance providers and work with local agencies that understand Wickenburg'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: Wickenburg has a rich Western heritage. This endorsement provides coverage for the costs associated with preserving Western heritage elements on or around your mobile home property.

Reasoning: If you keep horses or participate in equestrian activities with your RV, this coverage offers liability protection for accidents or injuries related to horse activities.

Reasoning: Adobe structures are common. This endorsement offers coverage for the restoration and maintenance of adobe elements on your mobile home property.

Reasoning: If you host local events or gatherings on your mobile home property, this coverage offers liability protection for accidents or injuries that might occur during these events.

Reasoning: Many RVers have cowboy gear. This coverage addresses damages to or theft of cowboy gear, including saddles, boots, or Western attire stored in your RV.

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

  • 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

Now that you've got the lowdown on mobile home insurance coverage in Wickenburg AZ, don't hesitate to get a CoverTree quote now.



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