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Protect Your Manufactured Home In Bisbee, AZ.

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

Welcome to Bisbee, Arizona - a timeless mélange of arts, history, and natural canyon magnificence!

Cradled within the picturesque Mule Mountains of southeastern Arizona lies Bisbee: a town that not only defies the conventional, but embraces its quirks with open arms. Once heralded as the "Queen of the Copper Camps", today's Bisbee has metamorphosed from a mining juggernaut into a thriving arts colony, effortlessly marrying its historic past with a bohemian spirit.

Born from the copper boom in the late 19th century, Bisbee quickly rose to prominence as one of the richest mineral sites in the world. Its architectural legacy reflects this golden era with meticulously preserved Victorian and European-style buildings lining its streets. The Copper Queen Mine, one of the town's iconic landmarks, offers travelers a chance to delve deep into its subterranean wonders, retracing the steps of miners from ages past.

Yet, what truly sets Bisbee apart is its seamless transition from a mining town to an arts hub. Over the years, artists, writers, and free spirits have been drawn to its labyrinthine alleyways and vibrant aura, imbuing the town with an eclectic charm. Galleries abound, featuring everything from traditional Southwestern art to avant-garde installations. Events like the Bisbee After 5 ArtWalk further showcase the town’s fervent artistic heart, turning its historic streets into a sprawling exhibition space.

Nature, too, plays its part in Bisbee's allure. Beyond its urban confines, trails like the Ramsey Canyon Preserve beckon hikers and bird enthusiasts, offering sanctuary to a myriad of bird species, especially hummingbirds. The region's canyons and high-altitude landscapes create a microclimate that stands in stark contrast to the typical Arizonian desert, fostering a lush biodiversity. The culinary scene in Bisbee is as diverse as its cultural tapestry. Cafés and restaurants dotting its historic district serve up a smorgasbord of flavors, from classic Southwestern dishes to international delicacies. Many of these establishments are housed in century-old buildings, adding a touch of nostalgia to every meal.

Delving into the lesser-known facets of Bisbee, one stumbles upon a town deeply proud of its LGBTQ+ community, often celebrating diversity through events and parades. Bisbee's penchant for the quirky is also evident in its annual events like the Bisbee 1000 Stair Climb – a unique race through its many staircases – and the Rolling Art Parade featuring whimsical wheeled creations.

In essence, Bisbee, Arizona, is where the strands of history, art, and nature weave a tapestry that's both enchanting and evocative. It's a place where time seems suspended, where every corner has a tale to narrate, and where the spirit of creativity dances unabashedly under the vast southwestern sky. Whether you’re an artist seeking inspiration, a history buff retracing America’s mining legacy, or simply a traveler yearning for an experience off the beaten path, Bisbee promises memories that last a lifetime.

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

Weather Risks in Bisbee, AZ

  • Extreme Flooding Risk: Over the next 30 years, Bisbee is at an extreme risk of flooding, which means flooding can become a regular challenge affecting daily life.
  • Flash Flood Warnings: AccuWeather indicates a looming risk of severe weather and flash floods targeting Bisbee.
  • Severe Weather Patterns: The region faces threats from damaging wind gusts, large hail, and even possible tornado occurrences.

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

  • Infrastructure Damage: Flooding can lead to significant property damage, eroding the ground and potentially destabilizing mobile homes.
  • Safety Concerns: Flash floods pose immediate dangers. Strong winds and hail can also lead to injuries and property damage.
  • Evacuation Readiness: Given the extreme flooding risk, residents should always be prepared for potential evacuations, especially during severe weather warnings.
  • Damaging Wind Gusts: Wind gusts can reach speeds of 60-70 mph, posing a severe threat to structures and vehicles.
  • Hail Threat: There’s a risk of large hail with a diameter greater than one inch.
  • Data on Wind & Hail Events: Historically, there have been 70 recorded hail incidents and 84 incidents related to thunderstorm winds.

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

  • Property Vulnerability: Lightweight constructions like mobile homes and RVs can suffer considerable damage from strong winds and hail.
  • Safety Measures: Reinforcing structures and having safety protocols during wind and hailstorms can protect residents and their assets.
  • Insurance Implications: With high hail incidents, residents should consider comprehensive insurance coverage.
  • Sun Exposure: There’s a high risk of harm from unprotected sun exposure. It’s advised to limit sun exposure between 11-32 minutes and utilize SPF 30+ sunscreen along with protective clothing.
  • Other Risks: While other risks like avalanches, blizzards, and wildfires have a recorded incidence of zero, it’s always essential to be prepared and stay informed about potential future risks.

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

  • Health Implications: Overexposure to the sun can lead to skin conditions, heat exhaustion, and dehydration.
  • Safety Protocols: Proper sun protection can mitigate the risks of sunburns and other sun-related conditions.
  • Staying Informed: Even though some weather risks have a zero incidence, changes in climate patterns could alter future risks. Being informed and prepared is always the best strategy.

In conclusion, the diverse weather risks in Bisbee necessitate proactive preparations, especially for mobile homeowners, manufactured housing populations, and RV owners. Adequate safety measures and continuous awareness can help mitigate potential damages and ensure the safety of residents.

Recommended Attractions in/around Bisbee, AZ

  1. Historic district is walkable.
  2. Explore winding streets, back alleys, and famous stairs with street art.
  1. Take the Queen Mine Tour, 1,500 feet underground.
  2. Wear mining gear and learn from former mine employees.
  1. Viewable from an overlook on Highway 80.
  2. Visit the Bisbee Mining & Historic Museum afterward.
  1. Numerous open mic nights and live acts.
  2. Venues include The Copper Queen, The Grand Hotel, St. Elmos, and more.
  3. Open jam at The Grand every Wednesday night.
  1. Belleza: Features over 20 artists.
  2. The Artemezia Foundation Museum: Houses works from Banksy, Warhol, etc.
  3. The Central School Project: Non-profit art space for events.
  4. Sam & Poe Gallery: Showcases art by Poe Dismuke and Sam Woolcott.
  1. A vintage street reminiscent of the town of Lowell.
  2. Dine at the Bisbee Breakfast Club.
  1. Killer Bee Honey: Honey and bee relocation.
  2. Optimo Hat Works: Handcrafted hats.
  3. Tumbleweed Mining Company: Unique desert plant-based gifts and jewelry.
  4. Bisbee Oil & Vinegar Company: Premium olive oils.
  5. Patisserie Jacqui: Pastries and baked goods.
  6. Classic Rock Couture: Vintage clothing and accessories.
  7. Miners and Merchants Antiques: Curated antiques and oddities.
  1. 30-minute drive from Bisbee.
  2. Hiking trails with views and interpretive kiosks about The Coronado Expedition.
  1. Gravel road through Coronado National Monument.
  2. Views of various mountain ranges and the San Rafael Valley.
  3. 45-minute drive to Montezuma Pass.
  1. The Old Bisbee Ghost Tour: A combination of history and ghost stories.
  2. Haunted Pub Crawl: Visit haunted bars in Bisbee.
  3. Bisbee Seance Room: One-man show with Victorian parlor magic.

Property Crime Rates in Bisbee, AZ

Here's a summarized analysis of the crime situation in Bisbee, Arizona:

  • Bisbee has a crime rate of 20 crimes per 1,000 residents, making it higher than the national average. With this, residents have a 1 in 50 chance of being victims of either violent or property crime.
  • Relative to other areas in Arizona, Bisbee’s crime rate surpasses 70% of the cities and towns of varying sizes, positioning it on the higher end in terms of crime within the state.
  • Compared to other similarly sized communities, Bisbee’s crime rate is notably higher. This distinction becomes even more pronounced when only observing communities with comparable populations.

Violent Crime Insights:

Property Crime Insights:

Bisbee, AZ, has notable challenges with both violent and property crimes, especially when contrasted with other communities of its size. The town's higher-than-average violent crime rate, especially the rate of murders, is particularly alarming. It is essential for local authorities to understand and address these issues, formulating strategies and initiatives to improve public safety and reduce crime. Meanwhile, residents and potential visitors should remain informed about these statistics and take appropriate precautions to ensure their safety and well-being.

Policy Expiration and Renewal:

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

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.

Insurance Company Reputation:

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

Manufactured Home-Specific Coverage:

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

Group Discounts:

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

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:​

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 Bisbee, AZ

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

Sieling's Mobile Village

Address: 798 West Sieling Loop, Bisbee, AZ 85603
Description: Sieling's Mobile Village is an all-ages community located in Bisbee, Arizona. It offers vacant sites, wide gravel streets, and off-street parking. There are no age restrictions in this community, and pets are allowed.

Crestview Estates Mobile Home Park

Address: 400 Santa Cruz Drive, Bisbee, AZ 85603
Description: Crestview Estates Mobile Home Park is an all-ages community in Bisbee, Arizona. It features wide dirt streets and off-street parking. Small pets are allowed, and there are no age restrictions mentioned. The community has homes with peaked roofs and lap siding.

Sunset Acres

Address: 10 La Cholla, Bisbee, AZ 85603
Description: Sunset Acres is an age-restricted (55+) community in Bisbee, Arizona. It offers vacant sites, with gravel streets and off-street parking. This is a 55+ community, and pet policies may require community approval. Homes in this community have peaked roofs and lap siding, and there are also RV sites available.

Bisbee'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 Bisbee

It's essential to compare quotes from various insurance providers and work with local agencies that understand Bisbee'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: Bisbee has a rich historic district. This endorsement offers coverage for preserving and restoring historical features of your mobile home or RV if applicable.
  • Reasoning: If you frequently stay in RV parks, this endorsement offers liability protection for accidents or injuries that might occur while using park facilities.
  • Reasoning: Ensuring the stability of your mobile home’s foundation is crucial. This coverage helps with repairs or reinforcement to protect against foundation damage.
  • 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 weather.
  • Reasoning: If your RV trip gets interrupted due to severe weather or unexpected events, this coverage reimburses you for additional expenses like lodging, meals, and transportation.
  • Reasoning: If you travel with valuable art or collectibles in your RV, this endorsement provides additional coverage to protect these assets in case of theft, loss, or 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 Bisbee AZ, don't hesitate to get a CoverTree quote now.

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