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

Welcome to Avondale, Arizona - Where magnificent desert sunsets blend into the modern American dream!

Avondale, a jewel within the sprawling landscape of Arizona's Valley of the Sun, captures the essence of progress and potential, balanced seamlessly with nature's raw splendor. Situated a stone's throw away from the bustling metropolis of Phoenix, Avondale is a city where the spirit of community and the vibrancy of modern life converge, making it a sought-after destination for both residents and visitors alike.

Founded in the latter half of the 19th century, Avondale's early days were deeply rooted in agriculture, particularly with expansive cotton farms dotting its expanse. Today, while the city has rapidly expanded into a modern suburban enclave, it hasn't forgotten its earthy roots, which are evident in the local farmers' markets and community events that pay homage to its agrarian heritage. Yet, one of Avondale's most defining features is its commitment to progress and innovation. The city's landscape is punctuated by state-of-the-art medical facilities, innovative business parks, and academic institutions, bearing testimony to its forward-thinking ethos.

Recreation in Avondale is as varied as its heritage. The Tres Rios Wetlands, a testament to nature's resilience and man's ingenuity, offers a sanctuary for birdwatchers, nature enthusiasts, and those seeking a tranquil escape. Meanwhile, the adrenaline-pumping action at the Phoenix Raceway, situated in Avondale, draws motorsports enthusiasts from all corners, making the city a hub for high-octane excitement.

The culinary landscape of Avondale is as diverse as its community. Traditional Southwestern flavors coalesce with global cuisines, offering an array of delectable choices for the discerning palate. Whether it's a family-run Mexican cantina or a contemporary bistro, dining in Avondale is a journey of flavors.

Not to be overlooked is Avondale's fervent support for the arts and culture. Festivals, community theaters, and art showcases punctuate the city's calendar, ensuring that culture vultures have their fill of performances, exhibitions, and interactive events. For those intrigued by lesser-known facets of Avondale, the city's commitment to sustainable living stands out. From preserving natural habitats to promoting eco-friendly initiatives, Avondale leads by example, ensuring that the beauty of the desert and its resources are safeguarded for generations to come.

In conclusion, Avondale, Arizona, is a testament to the harmonious blend of nature and urban development. Its desert vistas, kissed by the golden hues of the sunset, stand in serene contrast to its bustling streets and modern skyline. Whether you're a resident reveling in its growth or a traveler intrigued by its charm, Avondale invites you to discover its myriad wonders and dream under its expansive azure skies.

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

Weather Risks in Avondale, AZ

  • Monsoon Storms: The monsoon season can bring potentially damaging wind gusts in excess of 60-70 mph and large hail greater than one inch in diameter.
  • Flash Floods: Weather reports forecast significant moisture, increasing the risk of flooded roads and washes.
  • Granite Reef Dam Releases: SRP anticipates increased releases from Granite Reef Dam, leading to more water in natural waterways and potential flood conditions, especially around areas like El Mirage Road.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Safety Concerns: Rapidly rising waters can trap and endanger residents in these homes.
  • Infrastructure Damage: Fast-moving water can erode the ground, affecting the stability of mobile and manufactured homes.
  • Vehicle Safety: RVs, being vehicles, can be at direct risk from floodwaters, both when stationary and on the move.
  • Declining Air Quality: Current air quality levels have reached “Poor,” which poses health risks, especially to sensitive groups.
  • Wildfire Concerns: Based on the property’s proximity to burnable vegetation and wildfire risk areas, there is a severe risk of wildfire. Additionally, the region has an average wildfire risk greater than 74.3% of counties in the U.S., highlighting the rising threat.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Health Risks: Poor air quality can be especially harmful to seniors, children, and those with respiratory conditions – a demographic often found in mobile home communities.
  • Property Damage: Wildfires can quickly consume mobile homes and RVs, resulting in total loss of property.
  • Evacuation Preparedness: Given the increased risk, residents need to be prepared to evacuate swiftly if a wildfire threatens their location.
  • Thunderstorms: With a significant count of 736 reported incidents related to thunderstorm winds, the risk in Avondale is pronounced.
  • Hail: With 118 reported incidents, large hail can cause substantial damage to property and vehicles.
  • Other Weather Risks: Other reported weather risks include dust storms and miscellaneous events totaling 182 incidents.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Material Vulnerability: Mobile homes and RVs often have thin walls and roofs which make them more susceptible to hail and wind damage.
  • Safety: Severe weather events can pose direct threats to residents, from falling trees to flying debris.
  • Maintenance Costs: Repeated exposure to severe weather can accelerate wear and tear on mobile homes, RVs, and manufactured houses, leading to increased maintenance costs.

In Avondale, understanding these risks is paramount. Proper precautions, including regular maintenance and monitoring of weather updates, can ensure the safety and longevity of mobile homes, manufactured housing, and RVs.

Recommended Neighborhoods in Avondale, AZ

Property Crime Rates in Avondale, AZ

Here's a detailed analysis of the crime situation in Avondale, Arizona:

  • With a rate of 41 crimes per 1,000 residents, Avondale ranks among the areas with higher crime in the U.S., irrespective of the community’s size. A resident’s likelihood of falling victim to either violent or property crime in Avondale stands at 1 in 25.
  • In the context of Arizona, Avondale’s crime rate is daunting. With over 92% of Arizona’s communities boasting a lower crime rate, Avondale’s crime prevalence becomes even more pronounced.
  • Matching Avondale with communities of a similar population reveals a concerning statistic. Avondale’s combined crime rate (violent and property crimes) stands out as higher than most, indicating a pronounced issue that distinguishes it from its peers.

Violent Crime Insights:

Property Crime Insights:

The data highlights a clear and concerning narrative: Avondale, AZ grapples with elevated crime levels, both in violent and property-related offenses. This issue, especially evident when comparing Avondale to communities of a similar size, necessitates a concerted effort from law enforcement, local leadership, and the community. Enhancing safety measures, increasing community engagement, and enforcing stringent law and order protocols can pave the way to create a safer environment for Avondale's residents.

Underwriting Process:

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

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.

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.

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

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.

Exclusions and Limitations:

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

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 Avondale, AZ

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

Wigwam Villa Mobile Home Park

Address: 805 North 8th Street, Avondale, AZ 85323
Description: Wigwam Villa Mobile Home Park is an all-ages community located in Avondale, Arizona. It offers various amenities, including a clubhouse, swimming pool, recreational facilities, and off-street parking. Pets are allowed with community approval, but aggressive breeds may have restrictions. The community has a mix of single-section and multi-section homes with peaked roofs and lap siding.

Palm Vista

Description: Palm Vista is a family-friendly manufactured home community in Avondale, Arizona. The community offers various home options designed to suit individual needs and provides access to onsite resort-style amenities, including a BBQ pit, Estrella Mountain Pavilion, pet run, playground, swimming pool, and Wi-Fi. There are homes available for sale with different features and sizes.

Estrella - Wigwam Villas

Address: 805 North Dysart Road, Avondale, AZ 85323
Description: Estrella - Wigwam Villas is an all-ages community located in Avondale, Arizona. It features a swimming pool and has a mix of homes with various roof styles and lap siding. Pets are allowed with community approval, and aggressive breeds may have restrictions.

Avondale'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 Avondale

It's essential to compare quotes from various insurance providers and work with local agencies that understand Avondale'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: If you participate in a community watch program, this endorsement offers reimbursement for membership fees and expenses related to neighborhood security initiatives.
  • Reasoning: Sun protection is essential in the Arizona heat. This coverage addresses damages to sunshades and awnings on your RV due to sun exposure and strong winds.
  • Reasoning: If you’ve installed solar panels on your mobile home, this endorsement offers coverage for the repair or replacement of these energy-saving devices.
  • Reasoning: If you have a garden or landscaping around your mobile home, this coverage addresses damages to plants and outdoor property features caused by extreme heat or storms.
  • Reasoning: If you set up shade structures for your RV, this coverage provides protection for these structures against wind, sun, or storm damage.
  • Reasoning: RV tires can be costly to replace. This coverage addresses damages to RV tires, including punctures, blowouts, or road hazard damage.

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

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