Protect Your Manufactured Home in Albuquerque, NM

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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 Albuquerque, AL: Costs, Coverage, and Considerations

Welcome to Albuquerque, New Mexico- a city where the spirit of the Southwest is woven into every sunset, and ancient traditions blend seamlessly with modern innovation. Nestled in the high desert of New Mexico, Albuquerque is a city of vibrant contrasts, where the majestic Sandia Mountains meet the sprawling Rio Grande, and centuries-old adobe buildings stand alongside cutting-edge architecture.

As you explore the streets of Albuquerque, embrace the city’s rich cultural heritage, deeply rooted in Native American and Hispanic influences. The historic Old Town, with its charming plazas, winding alleys, and hidden courtyards, is a living museum where the past comes alive. Here, local artisans showcase their crafts, from intricate silver jewelry to brightly colored textiles, each piece telling a story of Albuquerque's diverse and storied history.

Albuquerque's connection to nature is profound and enduring. The Sandia Peak Aerial Tramway offers a breathtaking journey to the crest of the Sandia Mountains, where panoramic views stretch across the city and the desert landscape beyond. For outdoor enthusiasts, the surrounding area is a playground of adventure, offering everything from hiking and mountain biking to hot air ballooning – an activity that has become synonymous with the city, thanks in part to the iconic Albuquerque International Balloon Fiesta.

The city's cultural tapestry extends to its vibrant arts scene. The Albuquerque Museum and the National Hispanic Cultural Center are just two of the many institutions that celebrate the artistic spirit of the region. Meanwhile, the city’s theaters and music venues host a wide array of performances, from traditional flamenco dances to contemporary concerts and plays.

Albuquerque's culinary landscape is as diverse as its population. The city's cuisine is a flavorful fusion of Native American and Hispanic flavors, with local chiles adding a signature zest to many dishes. From savory street food to fine dining experiences, Albuquerque offers a culinary journey that is both unique and delicious.

Innovation and progress are at the heart of Albuquerque’s identity. The city is home to research institutions like the University of New Mexico and national laboratories, driving advancements in science and technology. This forward-thinking mindset, coupled with a deep respect for tradition, makes Albuquerque a city that not only honors its past but also embraces the possibilities of the future.

In Albuquerque, every sunset paints the sky in vibrant hues, every street corner tells a story, and every face you meet is a chapter in the city's rich narrative. Welcome to Albuquerque, New Mexico, where the enchantment of the Southwest lives in the rhythm of daily life, the beauty of the natural surroundings, and the warmth of its people. Here, amidst the dance of ancient traditions and innovative spirit, find a city that invites you to explore, connect, and be captivated.

Understanding Mobile Home Insurance in New Mexico

Understanding the Essentials:

Mobile and manufactured homes in New Mexico are popular, affordable housing choices that, like traditional homes, need insurance for protection. Coverage typically includes damages to the home, personal property, and liability in case of injuries on the property.

Choosing the Right Policy:

It's crucial to pick insurance that reflects the specific needs of your mobile home based on location, age, and other factors like claims history and credit score.

Finding Your Insurance Provider

Select an insurer with a strong reputation for mobile home coverage. Options range from national providers to local specialists.

Coverage Details

Liability Coverage

Offers financial protection if someone gets hurt on your property.

Personal Property Coverage

Secures your belongings against theft or disaster-related damage.

Additional Living Expenses Coverage

Consider coverage for extra costs if you’re displaced from your home due to a covered event.

Policy Review and Customization:

Ensure your policy aligns with the unique aspects of your mobile or manufactured home, taking into account New Mexico’s specific conditions and risks.

Insurance Rates:

Factors like location and the home's condition can influence your insurance premium, which averages around $1,000 annually in New Mexico.

Discounts and Savings:

Look out for discounts that can lower your premium, such as those for safety features or bundled policies.

Filing a Claim:

In case of damage, contact your insurer immediately, document repairs, and keep all receipts.

General Facts about Mobile Home Insurance in New Mexico New Mexico

Embracing the NM 16 Endorsement

If you’re looking to include your manufactured home as part of your property in New Mexico, the NM 16 Endorsement has got you covered. It ensures your cozy prefab or mobile home is part of the “land” mentioned in your policy. Just make sure everything’s lined up—ownership, location, and that it’s snugly attached to your land (we’re talking no wheels and hooked up to utilities). And hey, don’t forget to check that any old titles are canceled and taxes are cleared. If it’s assessed as real property, you’re all set. This way, you can relax knowing your home sweet (manufactured) home is insured and secure.

Navigating Insurance Requirements

Compliance with Local Laws: It’s not just about having insurance; it’s about ensuring your coverage meets the specific standards set by New Mexico law, ensuring that your mobile home is properly classified and protected under state regulations.

The Importance of Coverage Options

Customizing Your Safety Net: Whether it’s liability coverage for unforeseen accidents or comprehensive protection for personal belongings, tailoring your insurance to fit your lifestyle is key to enjoying peace of mind in your mobile home.

Preparing for the Unexpected

Mitigating Risks with Coverage: Life can be full of surprises, but with the right mobile home insurance, New Mexicans can safeguard their homes against theft, natural disasters, and other unforeseen events that could disrupt their tranquil desert living.

These sections aim to guide mobile home owners in New Mexico through the various aspects of obtaining and understanding the insurance necessary to protect their unique homes and the lifestyle they cherish.

Coverage Options for Mobile Home Insurance in New Mexico .

Here's a list of coverage options that are typically available for mobile and manufactured home insurance in New Mexico:

Dwelling Coverage: Protects the physical structure of your mobile or manufactured home from covered damages.
Personal Property Coverage: Safeguards your belongings inside the home in the event of theft, loss, or damage.
Liability Protection: Offers financial protection against legal responsibility if someone is injured on your property.
Additional Living Expenses: Helps cover the cost of temporary housing if your home is uninhabitable due to a covered loss.
Extended Coverage: Provides protection for structures attached to your home, like porches or carports.
Trip Collision Coverage: For mobile homes that will be moved, this covers damage that may occur during transit.
Fire Department Service Charge Coverage: Covers the charges incurred if the fire department is called to save or protect your home.
Flood Insurance: Separate from standard policies, necessary for homes in flood-prone areas.
Earthquake Coverage: Special coverage for damages caused by earthquakes, which may be a consideration in certain parts of New Mexico.
Scheduled Personal Property Endorsement: Additional coverage for high-value items such as jewelry, electronics, or art.

Remember to discuss with your insurance provider to tailor your coverage based on your specific needs and the location of your home in New Mexico.

Do I Need Mobile Home Insurance in New Mexico?

While not mandatory in New Mexico, insurance is a wise choice, especially if you have a mortgage on your mobile home. With the heightened risks of wildfires as a stark reality, having mobile home insurance becomes not just a precaution but a necessity. The state's increasing wildfire risk, which has led to an insurance bubble, signifies the urgency for homeowners to secure coverage that can help rebuild and recover in the event of such disasters. Mobile home insurance offers a safety net against these unpredictable forces of nature, ensuring that you have the means to restore your home and possessions while also providing vital liability protection.

Given New Mexico's susceptibility to wildfires, it’s a prudent step to safeguard your investment and secure your family’s well-being. Choose wisely to ensure your peace of mind in the Land of Enchantment.

RV Insurance in New Mexico: A Guide for Outdoor Enthusiasts

Choosing the right mobile home insurance for Ann Arbor, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

RV Insurance Essentials in New Mexico

In New Mexico, RV insurance offers a safeguard for your motorhome, travel trailer, camper, and even horse trailers. The coverage is adaptable for up to 250 days a year, perfect for those extended trips or winter getaways.

Coverage Types:

Liability Coverage: This is mandatory and covers bodily injuries and property damage in the event of an accident.
Comprehensive and Collision: These options protect against physical damage to the RV, with settlement choices like Stated Value, Agreed Value, or Replacement Cost.
Vacation Liability: Useful when the RV is used as a temporary residence.
Personal Effect Coverage: Insures items within the RV against damage or loss.
Roadside Assistance: Provides help 24/7 for breakdowns or accidents.

Financial Considerations

Cost of RV Insurance:

Premiums can vary, with an average around $125 per month, influenced by factors like RV type, age, and usage.

Saving on Premiums:

Discounts for safe driving, original ownership, or bundling policies can lower insurance costs.
Insuring multiple items with a single company can lead to savings.

Rental Insurance Insights

Why Rental Insurance Is Key:

RV rental insurance in New Mexico covers you for collision damage and liability, ensuring you’re not paying out of pocket for damages during your rental period.

Choosing the Right Rental Insurance:

Determine if your auto insurance extends to RV rentals.
Consider the RV’s value and your chosen deductible.
Look for comprehensive coverage options that suit your needs.

Finding the Best Provider:

Compare quotes from multiple companies.
Check if your personal possessions are covered by your home insurance while in the RV.

The Importance of RV Insurance in New Mexico

Safeguarding Against Natural Risks:

New Mexico’s unique landscape presents certain risks, such as wildfires and flash floods, which are particularly relevant for RV owners. RV insurance is crucial in New Mexico to protect against the financial repercussions of these natural events.

Understanding RV Insurance Policy Types

Liability Coverage

A foundational coverage that’s legally required, it protects you from the costs associated with damage or injuries you may cause to others.

Comprehensive and Collision

These coverages are vital for the protection of your RV itself, offering financial protection against a wide range of potential damages, from accidents to environmental hazards.

Personal Effect Coverage

For the belongings inside your RV, this coverage ensures that you’re compensated for losses due to theft or damage, making it essential for peace of mind while you’re on the road.

Roadside Assistance

Given the vast and remote areas of New Mexico, having a policy that includes roadside assistance can be a lifesaver if you find yourself stranded due to mechanical failure.

Special Considerations for RV Rentals in New Mexico

Rental Insurance Necessity

When renting an RV, insurance is not just a formality but a necessity that covers liability and collision, safeguarding your journey across the diverse terrains of New Mexico.

Tailored Coverage

Whether you’re renting for a short trip or an extended period, ensure your rental insurance is tailored to your itinerary and the specific challenges you may encounter in New Mexico.

By understanding the importance of RV insurance and the various policy types available, RV owners in New Mexico can ensure they're adequately protected for every adventure.

Unique Considerations for New Mexico Mobile Home Insurance

Wildfire and Environmental Damage Coverage

Proactive Protection for Your Home: In New Mexico, the arid climate increases the risk of wildfires, making it essential for owners of mobile, manufactured, and modular homes to ensure their insurance policies include coverage for such environmental damages. This coverage can help rebuild or repair your home without the financial stress that typically follows a natural disaster.

Flood Insurance Endorsement

An Essential Add-On in Prone Areas: Given the risk of flash floods in certain regions, it’s critical to have flood insurance as an endorsement, as standard policies often exclude flood damage. This addition can be crucial in safeguarding your home against the destructive power of sudden water influx.

Earthquake Insurance Consideration

Securing Stability Against the Shakes: While less frequent, New Mexico can experience seismic activity. Earthquake insurance endorsements for mobile homes, which are particularly vulnerable to ground movement, can provide peace of mind and financial security.

Personal Property Coverage for High-Value Items

Tailored Coverage for Your Treasures: Due to the mobile nature of these homes, ensuring your policy includes coverage for personal property, with specific endorsements for high-value items like electronics, jewelry, and family heirlooms, is crucial in New Mexico, where break-ins and theft can occur.

Liability Coverage for Property Terrain

Unique Landscapes, Unique Liabilities: New Mexico’s varied terrain can pose unique liability risks, from uneven ground causing injuries to guests to overhanging trees damaging neighbor’s property. A comprehensive liability coverage tailored to the unique aspects of your property’s terrain is an important consideration for homeowners.

Choosing the Right Mobile Home Coverages for Albuquerque, NM

Weather & Environmental Risks:

Heat Risk

Description: Increasing number of extremely hot days, with temperatures projected to rise further.
Implications:
- Cooling and Insulation: Enhanced cooling systems and improved insulation are necessary to cope with higher temperatures.
- Health Risks: Increased risk of heat-related illnesses; staying hydrated and avoiding outdoor activities during peak heat is advisable.

Fire Risk

Description: Very high risk of wildfires, especially on the most dangerous fire weather days.
Implications:
- Preparedness and Evacuation Plans: Regular updates on fire warnings and having a clear evacuation plan.
- Property Protection: Using fire-resistant materials for construction and maintaining defensible space around properties.

Drought Risk

Description: High drought risk with increasing water stress projected.
Implications:
- Water Conservation: Implementing water-saving practices and preparing for water usage restrictions.
- Landscaping Choices: Opting for drought-resistant plants and landscaping that requires less water.

Flood Risk

Description: Significant risk from surface and riverine flooding.
Implications:
- Elevation and Anchoring: Elevating homes and securely anchoring them to prevent flood damage.
- Flood Barriers: Use of sandbags or other flood defense measures during high-risk periods.

Precipitation Risk

Description: Although relatively low, the risk of extreme precipitation events exists.
Implications:
- Drainage and Runoff Management: Ensuring proper drainage systems are in place to handle heavy rainfall.

Earthquake and Volcano Risk

Description: Although lower, there is a risk of earthquakes and volcanic activity.
Implications:
- Structural Integrity: Ensuring homes, especially mobile/manufactured ones, are built to withstand seismic activity.
- Emergency Kits: Maintaining emergency supplies in case of volcanic or seismic events.

Additional Considerations

Regular Weather Updates: Keeping informed about weather forecasts and warnings is crucial.
Insurance: Ensuring adequate insurance coverage for natural disasters.
Community Resources: Familiarity with local emergency services and resources.

Conclusion

Residents of Albuquerque, especially those in mobile/manufactured homes and RVs, should be aware of and prepare for these climate change risks. This includes making structural adaptations to homes, staying informed about weather conditions, and having emergency plans in place.

Recommended Attractions in/around Albuquerque:

Here's a detailed guide to the top 10 attractions in Albuquerque, New Mexico:

Sandia Peak Tramway

Overview: Experience breathtaking views on one of the world’s longest aerial tramways.
Features: The tramway travels to the 10,378-foot peak of the Sandia Mountains.
Tips: Ideal for sunset views and hiking; visit the restaurant at the top for a meal with a view.

Albuquerque International Balloon Fiesta

Event Description: The world’s largest hot air balloon festival, held annually.
Highlights: Enjoy the spectacular sight of hundreds of balloons in the sky.
Planning Advice: Check the schedule for special events like the Mass Ascension and evening glows.

Old Town Albuquerque

Experience: Explore the historic heart of Albuquerque, dating back to 1706.
Must-See: Charming adobe buildings, local shops, restaurants, and galleries.
Visitor Tip: Don’t miss the San Felipe de Neri Church and the many cultural festivals.

ABQ Biopark

Attractions: Includes an aquarium, botanical garden, and the Rio Grande Zoo.
Family-Friendly: A great destination for families with children.
Unique Offer: Check out the seasonal events like the River of Lights during winter holidays.

Indian Pueblo Cultural Center

Cultural Insight: Dedicated to the preservation and perpetuation of Pueblo culture.
Highlights: Rotating exhibits, traditional dances, and an on-site restaurant serving native cuisine.
Learn: Discover the history and art of the 19 Pueblos of New Mexico.

Girard Wing at the Museum of International Folk Art

Educational Experience: Learn about the Atomic Age, from early research to modern uses of nuclear technology.
Exhibits: Includes replicas of the Little Boy and Fat Man bombs.
For Families: Interactive displays and engaging educational programs for all ages.

Petroglyph National Monument

Historical Significance: Explore thousands of ancient petroglyphs created by Native Americans and Spanish settlers.
Hiking: Several trails available, ranging in difficulty and length.
Tip: Visit early or late in the day to avoid the heat and enjoy better visibility of the petroglyphs.

The Albuquerque Museum

Art and History: Focuses on the art, history, and culture of the American Southwest.
Collections: Features both permanent and rotating exhibitions.
Highlight: The museum’s sculpture garden is a peaceful retreat in the city.

Explora Science Center

Interactive Fun: A hands-on science center and museum for all ages.
Exhibits: Engage in exhibits related to physics, biology, and more.
Great for Kids: Numerous educational and fun activities to stimulate young minds.

The Turquoise Museum

Unique to Albuquerque: Learn about the history and significance of turquoise, a gemstone central to the area’s culture.
Exhibits: See a vast collection of turquoise from around the world.
Visitor Experience: Guided tours available, providing in-depth knowledge about turquoise mining and jewelry making.

Visitor Guide Section

Best Time to Visit: Spring and fall for mild weather and outdoor activities.
Getting Around: Rent a car for convenience, or use the ABQ Ride buses.
Accommodations: Range from luxury hotels to cozy bed and breakfasts.
Local Cuisine: Try New Mexican cuisine, a blend of Native American and Spanish flavors, famous for its use of chilies.
Safety Tips: Standard urban safety precautions apply; stay aware of your surroundings.
Cultural Etiquette: Respect the local cultures and traditions, especially when visiting cultural centers and pueblos.

Enjoy your exploration in Albuquerque, where rich history, vibrant culture, and stunning natural landscapes offer a unique southwestern experience!

Crime Rates:

Overview

Overall Crime Rate: 58 per 1,000 residents.
Chance of Being a Victim in Albuquerque: 1 in 17.
State Comparison (New Mexico): Higher than 98% of New Mexico communities.

Violent Crime

Rate: 1 in 72 residents.
Chance of Being a Victim: One in 72.
Types Tracked: Rape, murder, non-negligent manslaughter, armed robbery, aggravated assault.
Comparison: One of the highest violent crime rates in the nation.

Property Crime

Rate: 44 per 1,000 residents.
Chance of Being a Victim: One in 23.
Types Tracked: Burglary, larceny over fifty dollars, motor vehicle theft, and arson.
National Comparison: Above average property crime risk.

Motor Vehicle Theft

Rate: One in 115 residents.
Recommendation: Take extra precautions to secure your vehicle, such as using anti-theft devices and parking in well-lit areas.

Murder Rate

Comparison: Albuquerque experiences one of the higher murder rates in the nation when compared to cities and towns of all population sizes.

Safety Tips for Albuquerque Residents

Travel Safely: Be cautious when walking or driving at night, and park in well-lit areas.
Social Media Caution: Avoid sharing travel plans and personal information on social media platforms.
Emergency Preparedness: Prepare an emergency kit and have a communication plan for your family in case of unexpected events.
Vehicle Tracking: Consider installing a vehicle tracking system to aid in recovery in case of theft.

Albuquerque faces significant challenges with both violent and property crimes, including a high motor vehicle theft rate. Residents can take proactive measures to enhance their safety and security, such as investing in home and vehicle security systems, participating in community watch programs, and practicing personal safety awareness. Collaborative efforts can contribute to a safer living environment for all residents of Albuquerque.

Additional Tips:

Handling Altitude Changes in RVs

1) Adjust your driving style and RV maintenance for high-altitude areas.

2) Be aware of the effects of altitude on engine performance and braking systems.

Xeriscaping for Mobile Home Yards

1) Implement xeriscaping to conserve water in your mobile home yard.

2) Choose native plants that thrive in New Mexico’s climate.

Balloon Fiesta RV Camping

1) Enjoy the Albuquerque Balloon Fiesta from the comfort of your RV.

2) Book early and follow the event's specific RV camping rules.

Securing Mobile Homes Against Strong Winds

1) Strengthen tie-downs and anchoring systems for New Mexico’s wind gusts.

2) Regularly inspect and maintain these safety features.

Historical Sites RV Route Planning

1) Plan RV routes to visit New Mexico’s rich historical sites.

2) Respect preservation rules and parking restrictions at historical locations.

Insulating Pipes in Mobile Homes

1) Protect water pipes from freezing during colder New Mexico nights.

2) Insulate and regularly inspect your plumbing systems.

Did You Know?

In Albuquerque, NM mobile homes must be titled with the Secretary of State.

New Mexico Mobile & Manufactured Home Facts

Mobile & Manufactured Home Living in New Mexico: A Snapshot

New Mexico, with its scenic landscapes and diverse cultures, is a state where mobile and manufactured homes play a significant role in the housing market. Offering affordability and flexibility, these homes cater to a substantial segment of the state's population.

However, In New Mexico, the allure of mobile homes goes beyond affordability; they embody flexibility and a spirit of independence that resonates with many residents, offering a unique living experience in the diverse landscapes of the state. Here's an in-depth look at the mobile and manufactured home scene in New Mexico, drawing from the latest U.S. Census data and state-specific regulations.

Mobile and Manufactured Home Insurance Statistics in New Mexico:

The State of Mobile Homes in New Mexico

Widespread Affordability: With 145,087 occupied mobile homes, representing 18.6% of New Mexico’s housing, mobile homes offer an accessible route to homeownership, especially vital in an economy that presents many with financial challenges.
Value Variances Across Cities: The worth of these homes varies significantly across major cities — from Albuquerque’s average of $43,922 to Rio Rancho’s $99,002, highlighting a diverse market that can cater to various financial capabilities.
Community Sizes: The average manufactured home community has 104 homes, with most established around 1976.

Historical Roots and Modern Developments

A Rich Heritage: Mobile homes have been part of New Mexico’s housing fabric since the 1940s, evolving significantly to meet modern living standards while retaining their historical charm.
Community Sizes and Amenities: The average manufactured home community in New Mexico consists of 104 homes, with developments typically dating back to 1976, offering a blend of vintage appeal and contemporary conveniences.

The Purchase Process: Guidance and Resources

Navigating the Buying Journey: The New Mexico Manufactured Housing Association plays a pivotal role in guiding potential buyers through the process, from selecting the right home to understanding financing options.
Regulatory Framework for Peace of Mind: State standards ensure all manufactured homes are built safely and to industry benchmarks, providing consumers with confidence in their investments.

Transportation and Installation: Ensuring Safety and Compliance

Strict Transport Guidelines: New Mexico mandates a comprehensive checklist and route survey for mobile home transportation, ensuring every move is conducted safely and efficiently.
Zoning and Setup Regulations: Prospective homeowners must navigate local zoning laws and, interestingly, pass a homeowner’s examination for set-up and foundation, reflecting the state’s commitment to safety and proper installation.

Titling and Taxation: A Dual Framework

Titling for Legal Clarity: Mobile homes are titled similarly to vehicles, but once placed on a permanent foundation and the wheels are removed, they can be reassessed as real property, affecting taxation and ownership rights.
Consumer Protection in Disputes: The state manages a dispute resolution program to address any issues with manufactured homes, ensuring consumer rights are upheld and assistance is readily available.

Insurance and Protection: A Must for Homeowners

The Importance of Adequate Coverage: With environmental risks like wildfires posing a threat, mobile home insurance is not just a financial safeguard but a crucial aspect of responsible homeownership in New Mexico.
Customized Insurance Options: Policies must be tailored to the unique risks presented by the local climate, including additional coverage for floods, earthquakes, and personal valuables.

By understanding these facets of mobile and manufactured home ownership in New Mexico, prospective buyers can make informed decisions and invest in homes that not only meet their budget but also provide security and a sense of community.

Mobile Homes in NM - Did You Know?

The New Mexico Manufactured Housing Association aids buyers through the purchasing process.
State standards ensure safety and quality in the construction of manufactured homes.
Transporting a mobile home requires adherence to specific guidelines and a route survey.
Home setup necessitates passing a homeowner’s examination for proper installation.
Mobile homes are initially titled as personal property but can be reassessed as real property once permanently affixed to land.
The state provides a dispute resolution program for manufactured home issues.
With environmental concerns like wildfires, mobile home insurance is essential, and policies must be customized to address local risks.

Understanding Reverse Mortgages for Manufactured Homes

Reverse mortgage loans offer a unique financial solution for homeowners, and for those living in manufactured homes, it's essential to adhere to specific guidelines to qualify. Reverse mortgages allow homeowners aged 62 and older to convert part of their home equity into cash while retaining homeownership.

Manufactured homes must comply with Federal Housing Administration (FHA) standards to be eligible. Key requirements include being a double-wide or larger, built post-1976, affixed to a permanent foundation, and classified as real property. Additions must be compliant with HUD standards, and the home must have never been moved. An engineer's report is often required, and the home must have a deactivated title.

This financial tool can offer a lifeline by tapping into the home's equity, providing owners with additional income or a lump sum to enjoy their retirement years comfortably.

MUST A MANUFACTURED HOME BE ASSESSED BY THE COUNTY ASSESSOR?

Yes, according to New Mexico state law, manufactured homes MUST be assessed for property taxes. The Assessor will require a copy of the mobile home vehicle registration or title, as well as the mobile home property address or location.

Learn about The New Mexico Manufactured Housing Association (NMMHA)

The NMMHA is a professional body that represents the interests of the manufactured housing industry in New Mexico. It advocates on behalf of manufacturers, retailers, suppliers, and community owners, focusing on legislative representation and business resources. Aimed at fostering industry growth, the association also offers consumer resources to assist with purchasing manufactured homes, emphasizing the benefits of factory construction like quality control, efficient use of materials, and reduced build times.

The NMMHA serves as the voice of the manufactured housing industry in the state. It brings together retailers, manufacturers, and community owners, providing a united front to promote industry interests, especially at the legislative level. NMMHA ensures its members have access to vital information and tools necessary for thriving in the housing market. It also aids consumers in navigating their housing options, underscoring the advantages of manufactured homes such as cost-effectiveness and efficient construction.

Learn About The New Mexico Regulation & Licensing Department's (Manufactured Housing Division )

This division oversees the construction, installation, and setup of manufactured homes within the state. They handle licensing for industry professionals, such as installers, dealers, and manufacturers, ensuring that these entities comply with the standards and regulations set forth for safe and reliable home manufacturing and sales.

Regarding licensing, there are fees for new licenses and renewals, with specific amounts for different roles within the industry. For instance, a dealer or manufacturer's new license and renewal fee are each $200 and $500, respectively. There are also late fees that start to accumulate after a 30-day grace period, increasing by a dollar a day up to 60 days, and doubling the original license fee thereafter.

The division also emphasizes the importance of consumer protection, offering a dispute resolution program to help address any issues between consumers and industry professionals. They provide resources and guides on various aspects, such as obtaining transport permits, adhering to zoning laws, and the requirements for setting up a manufactured home, including the necessity of passing a homeowner's examination for setup and foundation before issuing a permit.

Learn about New Mexico’s Mobile Home Park Act

The New Mexico Mobile Home Park Act is a set of regulations that governs the relationships between landlords and tenants within mobile home parks in New Mexico. Here are some key points from the Act divided into sections:

Lease Agreements and Legal Compliance

All tenancy agreements in mobile home parks must be in writing, with specific disclosures required by law.
Lease or rental agreements are the primary documents for resolving disputes, supported by the Mobile Home Park Act and the Uniform Owner-Resident Relations Act unless conflicts arise.
Rental agreements cannot waive a resident’s rights under the Act, and any such provisions are considered void.

Security Deposits and Rent Increases

Landlords may charge a security deposit up to one month’s rent, or two months’ for multi-wide mobile homes.
Rent increases require a 60-day written notice to the resident, with potential penalties for failure to comply.

Fees and Charges

Landlords are permitted to charge for rent, security deposits, utility costs, and other services agreed upon in writing.
The Act prohibits charging additional “entry fees” as a condition of park tenancy or when a resident sells their mobile home.

Sales and Transfers

Landlords cannot impose fees on residents for selling or transferring their mobile homes within the park.
No fees can be charged to new buyers of a mobile home for purchasing within the park.

Rights and Disclosures

Landlords must provide written disclosures before occupancy, detailing rent, payment due dates, park rules, zoning information, and the right to request alternative dispute resolution.
The Act outlines a resident’s rights and the landlord’s obligations to maintain a fair and equitable living environment.

These sections encapsulate the essence of the Mobile Home Park Act, designed to protect the rights of mobile home park residents and maintain a standardized set of rules for park management in New Mexico.

Know Your Rights:

Finding A Manufactured Home in Albuquerque, NM

If you're in the market for a mobile or manufactured home in Albuquerque, 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 Albuquerque.

El Sueno Communities

Location: Albuquerque, NM, and Peralta
Contact: (505) 620-8538 or (505) 459-3073, 11311 Linn Ave NE, Albuquerque, NM 87123
Since: 1989
Offerings: Affordable housing with rent-to-own options, online tenant portal for requests and rent payments
Properties: Selection of mobile homes in various communities
Additional Services: Sale of used mobile homes

Four Hills Community

Location: 12300 Horseshoe Trail SE, Albuquerque, NM
Contact: (505) 271-2709
Amenities: Three community buildings with activity centers and coffee lounges, three swimming pools, four playgrounds, multiple courts for tennis, basketball, shuffleboard, etc., sales office
Financing: Low monthly payments starting at $1125/mo*, low down payments, option to buy at cost Homes: Variety of models available with different features and specifications
Operation Hours: Monday – Friday: 8 am to 5 pm, Saturday & Sunday by appointment

Sandia Mobile Homes

Services: Sale of single-wide and double-wide mobile and manufactured homes
Sales Approach: Professional and personable service for buying, selling, or trading mobile homes
Financing Assistance: Help in obtaining financing through several sources
Transport Recommendations: R&T Mobile Home Transporters (505-866-1405)
Mobile Home Supplies: Recommendations for suppliers like Magic Mobile Home Supply (505-831-1601)

These communities and services in Albuquerque offer a range of options for those seeking affordable housing or the purchase of mobile homes. For more detailed information or to inquire about available properties, contacting the respective offices is recommended. These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Albuquerque, NM. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Albuquerque

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

Here are some coverage options, endorsements, and add-ons specific to Albuquerque, NM, considering the unique needs of the area:

Hail and Windstorm Coverage:

Given the frequency of hailstorms and windstorms in Albuquerque, consider specific coverage that protects your mobile/manufactured home or RV against damage caused by these weather events.

Monsoon Coverage:

Albuquerque experiences monsoon season, which brings heavy rains and flash floods. Look for coverage options that include protection against water damage caused by monsoons and flash floods.

Crime Protection Endorsements:

Albuquerque has higher crime rates compared to the national average. Consider additional endorsements that provide coverage or discounts for security systems, burglar alarms, and window locks, specifically tailored to address the crime statistics in the area.

Balloon Fiesta Liability Coverage:

Albuquerque hosts the International Balloon Fiesta, which attracts a significant number of visitors and can increase the risk of accidents or injuries on your property. Ensure your liability coverage includes higher limits to protect against potential claims during this event.

Dust Storm Protection:

Albuquerque is occasionally affected by dust storms or haboobs. Look for coverage options that include protection against damage caused by these unique weather phenomena.

Fire Safety Endorsements:

Considering the arid climate and the risk of wildfires in Albuquerque, look for endorsements that offer additional fire protection coverage and discounts for fire-resistant building materials or equipment.

Roadside Assistance for Remote Areas:

As Albuquerque is surrounded by vast, remote areas, including national parks and forests, consider roadside assistance coverage specifically tailored to address potential breakdowns or emergencies encountered in these remote locations.