Protect Your Manufactured Home In Winslow, AZ.

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

Welcome to Winslow, Arizona - a small town located on the iconic Route 66, known for its rich history, beautiful murals, and the famous "Standin' On The Corner" statue. Winslow offers visitors a charming mix of small-town hospitality, cultural heritage, and natural beauty.

Winslow's history is deeply rooted in the Old West. The town was once a railroad hub and a trading center, frequented by cowboys, businessmen, and travelers. It has retained much of its old-west charm, and visitors can immerse themselves in the town's rich history by exploring the many historic sites and exhibits. The Old Trails Museum offers a glimpse into Winslow's past, while La Posada, a historic 1930s hotel, now a museum, showcases the town's unique architecture.

Winslow boasts a vibrant arts scene, with colorful, larger-than-life murals adorning the town's buildings. The murals reflect the town's cultural heritage and its natural beauty, with themes ranging from local wildlife and landscapes to historic events and figures. Visitors can admire the stunning artwork, take photos with the murals, and learn about their significance.

The "Standin' On The Corner" statue, inspired by the famous Eagles song "Take It Easy," is a must-see attraction. The statue depicts a man standing on a corner, with a guitar in his hand, surrounded by a park-like setting. Visitors can take photos with the statue, which has become an iconic symbol of Route 66 and Winslow.

Winslow's location, on the edge of the Painted Desert and just a short drive from the Grand Canyon, makes it an ideal base for exploring the natural beauty of the area. Visitors can take a scenic drive through the desert, hike the trails in the nearby Petrified Forest National Park or marvel at the breathtaking views of the Grand Canyon.

Winslow's small-town charm is reflected in the town's hospitality, with friendly locals welcoming visitors from near and far. The town offers a range of dining options, from classic American diner fare to authentic Mexican cuisine. Visitors can also enjoy boutique shopping, local art galleries, and unique gift shops.

Welcome to Winslow, Arizona, where small-town America meets the Old West. Enjoy the town's rich heritage, admire the stunning murals, and take a stroll down the iconic Route 66. Whether you're standing on the corner, marveling at the natural beauty of the area, or simply enjoying the town's hospitality, Winslow offers a unique and memorable Arizona experience.

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:

Home Value

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Age and Condition

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Insurance Score

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

Weather Risks in Winslow, AZ

1. Floods

Description: Flooding is the most frequent weather event in Winslow with 46 recorded events, often related to heavy rains. These events pose a risk of water damage and contamination.

Implications for Mobile/Manufactured/RV Home Owners: Homes in flood-prone areas should be elevated, and all owners should consider investing in flood barriers or sandbags. Evacuation plans should be in place, and an emergency flood kit should be prepared.

2. Hail

Description: Winslow experiences significant occurrences of hail with 38 recorded events. Hail can damage property, vehicles, and crops.
Implications for Mobile/Manufactured/RV Home Owners: Adequate shelter for mobile homes and RVs is crucial to minimize damage. Reinforced roofing and carports can help protect against hail impact.

3. Thunderstorm Winds

Description: There have been 25 recorded events of thunderstorm winds. These winds can result in broken windows, fallen trees, and other kinds of property damage.

Implications for Mobile/Manufactured/RV Home Owners: Storm straps and anchors can help secure mobile homes against strong winds. Outdoor items should be tied down or stored inside to avoid becoming dangerous projectiles.

Additional Risks

Pest Activity

With high risks for pests, regular inspection and cleaning are crucial. Eliminate standing water and ensure your home is well-sealed to prevent entry.

Poor Visibility/Lighting

Especially critical for mobile and RV owners who may be on the road, poor visibility due to fog, heavy rain, or poor lighting conditions can be dangerous. Always have emergency road kits ready and avoid travel during extreme weather whenever possible.

Volcanic Activity

The presence of Sunset Crater within 51 miles indicates a mild risk for volcanic activity, as indicated by the volcano index. Although the risk is low, awareness and emergency plans should be in place.

Recommended Attractions in Winslow, AZ

1. Stand on the Corner Park

Pay homage to the classic song “Take it Easy” by Jackson Browne and Glenn Frey. Located at the intersection of Kinsley & 2nd Streets, the park features bronze statues of the songwriters and a flatbed Ford.

2. Old Trails Museum

This free museum offers an insightful look into Winslow’s history, including memorabilia from the Santa Fe Railroad and Route 66.

3. Hubbell Trading Post & Warehouse

Learn about the Hubbell family’s trading post empire and Winslow’s importance as a railway hub.

4. La Posada Hotel and Gardens

Stay in a magnificently restored Harvey House hotel, designed by famed architect Mary Colter. Don’t forget to dine in the Turquoise Room.

5. La Posada Art Museum

Home to the artwork of Tina Mion, the museum features a blend of Native American and Contemporary art, which is free to the public.

6. Winslow Amtrak Depot and Freight Siding

Enjoy train-spotting at La Posada, which has its very own Amtrak depot.

7. First Street Pathway Park

This city park connects many of Winslow’s historic sites and provides an educational walk.

8. Snowdrift Art Space

By appointment, visit this gallery that also serves as the home and studio of sculptor Dan Lutzick.

9. Explore Winslow’s Victorian Roots

Take a walk through the residential areas to see charming Victorian cottages.

10. Brigham City Fort

Get a glimpse of this ghost town established by Mormon pioneers in 1876.

Property Crime Rates in Winslow, AZ

Overall Crime:

Population: Approximately 8,943
Overall Crime Rate: 60 per 1,000 residents
Chance of Becoming a Victim: 1 in 17

Comparison with Arizona and the U.S.:

State Comparison: Over 97% of Arizona communities have lower crime rates than Winslow.

Specific Crime Rates (per 1,000 residents):

Violent Crime Rate: Not specified, but one’s chance of becoming a victim of a violent crime is 1 in 62.
- Tracked Violent Crimes: Includes rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
Property Crime Rate: 44; chance of becoming a victim is 1 in 23.
- Motor Vehicle Theft: Exceptionally high rate with a chance of 1 in 288 of having your vehicle stolen.

Key Points:

High Crime Rates for Size: Compared to communities with similar population sizes, Winslow has an unusually high combined rate of violent and property crime. It fares poorly in this category.
Violent Crime: Winslow has one of the highest violent crime rates in the nation, across all community sizes. This includes offenses like armed robbery, rape, and aggravated assault.
Property Crime: A large proportion of the crime in Winslow is property crime, with a significant focus on motor vehicle theft, which has one of the highest rates in the nation.
Motor Vehicle Theft: This particular type of property crime is alarmingly high in Winslow. Residents face a 1 in 288 chance of having their vehicle stolen, which is exceptionally high on a national scale.

Winslow, Arizona, is facing significant challenges related to both violent and property crimes. With such high rates, it ranks poorly not only within the state of Arizona but also nationally, making it one of the communities with some of the highest crime rates in the United States. Special attention should be given to tackling the issue of motor vehicle theft, which stands out as a particularly prevalent problem in Winslow. Given these concerning statistics, comprehensive intervention involving community engagement, increased law enforcement, and social programs are urgently needed to improve the safety and well-being of the residents.

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.

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.

Consider Additional Coverage:

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Coverage Limits and Sublimits:

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Compare Deductibles and Premiums:

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Potential Rate Increases:

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

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 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.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

Affidavit of Affixture

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).

Buying a Used Mobile Home

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 https://www.dfbls.az.gov/lta/relocation.aspx). 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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 Winslow, AZ

If you're in the market for a mobile or manufactured home in Winslow, it's important to have access to reliable and trustworthy information. Winslow, 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, Winslow has something for everyone.

Soaring Eagle RV Park

Location: 2125 West 3rd Street, Winslow, AZ 86047

Contact: 928-289-1270

Hours: Open from 7:00 am to 7:00 pm

Amenities: Soaring Eagle RV Park offers 17 spaces with 20-, 30-, and 50-amp service. Space rental includes water, sewer, trash, and free Wi-Fi. The park is working on expanding and adding showers, restrooms, and laundry facilities. They offer nightly, weekly, and monthly rates, with electricity charges for monthly renters.

Sundown Mobile Home Park

Location: 3001 West Highway 66, Winslow, AZ 86047

Community Type: Age-Restricted (55+)

Additional Details Sundown Mobile Home Park is an age-restricted community with 60 sites. It features homes with peaked roofs and lap siding. The community is designed for seniors and offers a comfortable living environment.

TAKE IT EASY RV PARK

Location: Winslow, AZ 86047

Hours: Open daily, with specific office hours

Amenities: Take It Easy RV Park offers a unique and friendly RV park experience. They provide 50-amp power, and reservations can be made online through Roverpass or by calling the office. The park has camp hosts who are eager to assist guests and ensure a comfortable stay. Nearby attractions include the "Standing on the Corner" park, Meteor Crater, Twin Arrows Navajo Casino, Petrified Forest National Park, and more.

Winslow'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 Winslow

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

Mobile Home Historic Preservation Coverage:

Reasoning: Winslow has historic sites. This endorsement provides coverage for the costs associated with preserving historic elements on or around your mobile home property.

RV Meteor Crater Liability Coverage:

Reasoning: The nearby Meteor Crater is a popular attraction. If you frequently visit the Meteor Crater with your RV, this coverage offers liability protection for accidents or injuries that might occur during visits.

Mobile Home Route 66 Nostalgia Coverage:

Reasoning: Winslow is a part of Route 66. This endorsement offers coverage for maintaining or restoring Route 66-themed elements on your mobile home property.

Mobile Home Local Artisan Liability Coverage:

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

RV Petrified Forest Protection Coverage:

Reasoning: The Petrified Forest is nearby. This coverage addresses damages to your RV that might occur during visits to the Petrified Forest National Park.

RV Meteor Shower Viewing Liability Coverage:

Reasoning: Winslow is known for meteor showers. If you host or participate in meteor shower viewing events from your RV, this coverage offers liability protection for accidents or injuries during these activities.

What Additional Services Can You Get Covered?