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Protecting Your Manufactured Home in Yuma, 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 Yuma, AZ: Costs, Coverage, and Considerations

Welcome to Yuma, AZ - a place cherished by both its residents and those seeking a new place to call home. Nestled amidst the stunning landscapes of Arizona, Yuma offers a unique blend of history, natural beauty, and a warm community spirit. Whether you're already a part of this wonderful town or considering a move here, Yuma invites you with open arms to discover its allure. It's a town that beautifully blends the charm of a small community with the conveniences of modern living. From the moment you step foot in Yuma, you feel a sense of belonging and a shared pride in calling this place home.

As you embark on the journey of exploring Yuma, you'll quickly find that the town is steeped in history and culture. Discover the ancient ruins at Yuma Ruins National Monument, where the echoes of the past whisper stories of the Hohokam people who inhabited this land centuries ago. Immerse yourself in the town's rich heritage as you stroll through the Historic Downtown District, adorned with buildings that stand as testaments to Yuma's unique past.

Nature lovers will find solace in the breathtaking landscapes that surround Yuma. Explore the sprawling desert scenery, where towering saguaros stand as sentinels, and vibrant sunsets paint the sky with hues of gold and orange. Enjoy the numerous parks and recreational areas, providing endless opportunities for outdoor activities, from hiking and biking to picnicking and bird watching.

And when the desert sun becomes too warm, cool off in one of the refreshing pools or water parks that dot the town. It's a town that welcomes newcomers with open hearts and offers a vibrant social fabric encompassing neighborhood events, cultural festivals, and spirited gatherings. Embrace the warmth of the residents who will soon become friends and the genuine sense of belonging that flows through the streets of Yuma.

Yuma is a place where cherished memories are created, where the beauty of Arizona's landscapes and the warmth of a vibrant community collide. It's a town that beckons you to take part in its story, to add your own chapter, and to create a life that is uniquely Yuma.

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 Yuma, 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:

      • Drought: Extreme drought risk is present in Yuma, with the Yuma Desert watershed experiencing 938 weeks (82% of weeks) since 2000 with some area in drought. The risk is further compounded with 95 weeks (8% of weeks) encountering Extreme or Exceptional drought. The average water stress is high and is predicted to remain consistent through 2050.
      • Heat: The city has been witnessing an increase in hotter days. Between 1985-2005, Yuma had an average of 7 days above 112.2ºF each year. This number is predicted to rise to about 37 days by 2050.
    • Precipitation: Precipitation risks are relatively low, but still relevant. An extreme storm in Yuma means a 48-hour rainfall greater than 0.1 inches. Currently, around 2.6″ of rain falls over approximately 8 storms each year, but by 2050, it is projected to decrease to 2.0″ over the same number of storms.
      • Fire: About 25% of Yuma’s buildings face a high risk of wildfire. Of the 46 census tracts in Yuma, 28 have more than a quarter of buildings at significant fire risk. The danger on the most hazardous fire weather days is extreme and is predicted to rise through 2050.
    • Flood: Around 42% of Yuma’s buildings are at flood risk. Specifically, buildings in Yuma average a 24% chance of facing a flood about 1.2 feet deep over 30 years. Climate change is exacerbating both inland and coastal flooding risks due to factors like sea level rise and increased chances of heavy precipitation.
    • Earthquakes & Volcanoes: Yuma has an earthquake index of 1.73, suggesting a moderate risk compared to the U.S. average. The volcano index for Yuma is 0.0052, indicating a minimal but existent risk of volcanic activity affecting the area.
    • Thunderstorms & Wind: Weather forecasts towards the end of Summer 2023 predict thunderstorms accompanied by high winds. Residents are advised to be cautious, especially if outdoors, and to secure any loose items around their homes.
        • Heat Waves: Heatwaves in the past decade have resulted in more deaths on average than any other weather-related event. Measures to combat heatwaves include hydration, staying informed about temperature forecasts, and knowing the warning signs of heat illness.
      • Flood Watch: There are active alerts on flood watches in Yuma, suggesting that current conditions are ripe for potential flooding.
      • Dust Storms: Dust storms are a frequent occurrence, and residents should be prepared for sudden visibility issues and potential respiratory concerns.

Recommended Neighborhoods.

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

Best Yuma Schools by Neighborhood:

Property Crime Rates:

Yuma, Arizona presents a notable profile when analyzing property crime rates, both in comparison to state and national averages, as well as in relation to similarly sized cities.

General Overview:

Specific Property Crime Rates (per 100,000 residents):

Comparative Analysis:

Despite these statistics, it's crucial to understand that crime rates are influenced by a plethora of factors, and such data provides just one facet of the broader societal context. As with any community, residents, policymakers, and law enforcement need to collaborate proactively to foster safety and security.

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

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.

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.

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Cancellation Policy

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

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 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 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:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) 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 A Manufactured Home or Community in Yuma, AZ

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

We have compiled valuable information about the best local manufactured home dealers and communities in Tucson.

Mesa Terrace Mobile Estates

Type: 55+ Community Features: Heated pool surrounded by palm trees Five-star amenities Community dances and activities Proximity to golf and shopping RV sites with full hook-ups, free WiFi in the clubhouse, paved streets

Wildwood Phoenix

Type: All-Ages Community Outdoor Amenities: 8-foot-deep pool Shuffleboard courts Horseshoes Bean bag toss games Indoor Features: Billiards, Bingo, Darts, Library, Spa Local Attractions: Colorado River, The Peanut Patch, Picacho State Park, Sand Dunes, Yuma Palms Shopping Mall, Yuma Convention Center

Sierra Pacific MHC

Type: Family Community Amenities: Pool Playground Recreation Room Soccer Field Basketball Court On-Site Management Laundry Facilities Highlights: Located in the third fastest growing area in the US; proximity to shopping, airport, hospital, Arizona Western College, and the US Marine Corps & Air Station

Sunrise Manufactured Home Community

Type: Gated 55+ Community Amenities: Clubhouse Picnic Area Pool RV Storage Spa Shuffleboard Billiards Weather: Average high of 87°F and low of 53°F with an annual precipitation of 2.99 inches Unique Selling Proposition: A popular retirement property with daily social events and indoor & outdoor activities all year long

Del Valle Mobile Home Park

Type: 55+ Community Features: Pet-friendly (indoor cats only) Clubhouse Swimming Pool Recreational Facilities Gated after 10 pm for safety Opinions: Mostly positive reviews, with residents praising its safety, location, and community spirit

Desert Palms Mobile Estates

Type: All-Ages Community Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer) Amenities: Paved streets City-sourced water and sewer Off-street parking Overview: An affordable housing choice that's well-maintained and offers easy access to local amenities

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.

Liability

Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Yuma

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 Yuma:

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.

Description: This coverage is similar to an extended warranty on appliances. It covers the cost of repairing or replacing household appliances and systems if they break down due to causes like power surges or mechanical failure.

Importance: Helps homeowners manage unexpected costs related to appliance breakdowns, which can often be expensive.

Description: If there’s a power outage or your refrigerator breaks down and the food inside spoils, this coverage can reimburse the cost of the lost food.

Importance: Offers peace of mind during unexpected power disruptions and appliance malfunctions.

Description: For items that are especially valuable, like jewelry, artwork, antiques, or collectibles, this add-on provides higher limits and broader coverage than the standard policy.

Importance: Ensures that high-value items are adequately covered, offering peace of mind for homeowners with valuable belongings.

Description: Covers damage to your home and belongings if water backs up through your drains or if your sump pump overflows.

Importance: While related to flood coverage, this is a specific endorsement for homes with basements or those prone to such issues.

Description: If you’re part of a mobile home park or association, this coverage pays for your share of any loss assessment charged to each member by the association for property damage or injury claims.

Importance: Protects homeowners from unexpected expenses imposed by the association due to communal property damages or liability claims.

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 Yuma, AZ, and can tailor a policy that meets your unique requirements.

 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 Yuma AZ, don't hesitate to get a CoverTree quote now.

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