Protecting Your Manufactured Home In Bullhead City, 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 Bullhead City, AZ: Costs, Coverage, and Considerations

Welcome to Bullhead City, Arizona - a modern city where the river's song meets the melody of the desert’s breeze!

Nestled on the eastern banks of the mighty Colorado River, opposite the shimmering casinos of Laughlin, Nevada, lies Bullhead City — a city characterized by the warmth of its community, the thrill of its recreational opportunities, and the serenity of its desert landscapes. With its blend of water-based activities, desert exploration, and a poignant history, Bullhead City embodies the heart and soul of the Arizona desert experience.

Born from the hardworking spirit of the pioneers, the city's origins are deeply intertwined with the railroad, mining, and the river itself. The old mining town of Oatman, with its wandering burros and preserved buildings, provides a rustic glimpse into Bullhead City’s roots and the days of gold rush fervor.

The lifeblood of Bullhead City is undoubtedly the Colorado River. It winds its way, blue and refreshing, offering a multitude of recreational pursuits. Water enthusiasts find solace in the river's embrace, partaking in everything from boating and jet skiing to fishing and river rafting. The beaches of Rotary Park provide spaces for relaxation, picnicking, and basking in the desert sun. Yet, for all the aquatic allure, Bullhead City is equally a haven for those who hear the call of the desert. The surrounding landscapes invite adventurers to explore rugged terrains, be it through hiking, off-roading, or simply driving along scenic routes that offer panoramic views of the river and the distant mountain ranges.

The Davis Dam, a marvel of modern engineering, stands not far from the city. Beyond its primary role in water storage and hydroelectric power generation, the dam has led to the creation of Lake Mohave, a reservoir that further amplifies the region’s water recreation prospects, dotted with hidden coves and surrounded by a stark, beautiful shoreline.

Bullhead City's climate, characterized by its warm winters, has made it a favored destination for snowbirds. These seasonal visitors, escaping colder northern climates, bring with them a vibrancy that further enriches the local community and culture. The culinary landscape of Bullhead City is as diverse as its topography. Local eateries offer flavors that range from traditional American and Southwestern to international cuisines, ensuring that every palate finds its delight.

Intriguingly, Bullhead City has also earned its place in aviation history. The local airport, originally a World War II training base, hosts the annual "Wings and Wheels" event, a celebration of both vintage aircraft and classic automobiles, drawing enthusiasts from all over the nation.

In essence, Bullhead City is a testament to life's dualities: where the calming flow of the Colorado River meets the stillness of the desert, where history melds with the present, and where every sunrise brings a promise of adventure. Whether you're drawn by the song of the river, the whispering tales of old mines, or the vastness of the desert, Bullhead City stands as a beacon of diverse experiences and timeless memories.

Understanding Mobile Home Insurance In Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here's a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

Home Value

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

Age and Condition

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

Location

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Home Features

Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.

Safety Features

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Coverage Amount

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

Deductible

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Claims History

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Personal Factors

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Policy Add-ons

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Community/Neighborhood Features

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

Length of Occupancy

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

Rental or Owner-Occupied

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

Type of Construction

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

Insurance Score

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Bullhead City, 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 Bullhead City, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Bullhead City, AZ

Heat Risk:

Description: Bullhead City is witnessing an increasing trend in heat levels, posing an extreme risk. The projection is for about 40 days annually surpassing 113.5ºF by 2050, up from the 7.0 days seen between 1985-2005.
Implications for Mobile/Manufactured Homeowners & RV Owners:
- Mobile and manufactured homes often have less insulation, making them susceptible to extreme heat.
- Increased energy costs due to extended use of air conditioning.
- Potential health risks from prolonged exposure to high temperatures.

Fire Risk:

Description: Fire risk is notably high, with 91% of buildings in the city at significant risk. The number of dangerous fire weather days is also projected to rise.
Implications for Mobile/Manufactured Homeowners & RV Owners:
- Mobile homes and RVs are generally more combustible than traditional homes.
- Limited protection against rapidly spreading wildfires.
- Evacuation complexities and challenges due to the nature of mobile residences.

Flood Risk:

Description: Flooding risk is pronounced, with 36% of the city’s buildings at potential risk. Properties face a 35% chance of experiencing floods about 1.8 feet deep over the next 30 years.
Implications for Mobile/Manufactured Homeowners & RV Owners:
- Mobile homes and RVs can be easily damaged or displaced by floodwaters.
- Risk of loss of property and personal belongings.
- Financial implications due to potential repair and replacement costs.

Recommended Neighborhoods in Bullhead City, AZ

Bullhead City East
Bullhead City Northeast
Havasupai Dr / Miracle Mile
Bullhead City South
Riverfront Dr / Roadrunner Dr
Bullhead City West
Bullhead City Southeast
Riviera
Bullhead City Southwest
Arena Dr / Arcadia Blvd

Property Crime Rates in Bullhead City, AZ

Here's a succinct analysis about the crime situation in Bullhead City, Arizona:

Overall Crime:

Bullhead City has a crime rate of 32 per 1,000 residents. This rate is considerably high, making Bullhead City one of the areas with elevated crime rates in the U.S. Residents have a 1 in 31 chance of becoming a victim of any crime in this city.

Comparison within Arizona:

Out of all communities in Arizona, more than 87% have a crime rate lower than that of Bullhead City. This suggests that Bullhead City is one of the more crime-prone areas in the state.

Population-based Comparison:

When compared to cities of similar size, Bullhead City has a notably high crime rate. This indicates that its crime statistics are especially concerning given its population size.

Violent Crime Insights:

Property Crime Insights:

Bullhead City's crime metrics, both in the context of Arizona and when juxtaposed with cities of a similar size, are cause for concern. With both violent and property crime rates being notably high, it underscores the need for intensified law enforcement efforts, community policing, and preventive measures in the city. Residents and potential visitors would benefit from being informed and vigilant, and the local government could consider strategic initiatives to tackle the high crime rates.

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.

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

Manufactured Home Insurance Coverage:

CoverTree offers insurance coverage specifically designed for manufactured homes in Arizona. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

Personal Liability Coverage:

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Deductibles and Premiums:

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Keep This In Mind:

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Did You Know ?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises!

Arizona Mobile Home Facts

Mobile Homes in AZ

Mobile homes account for roughly 15 percent of Arizona’s total housing units - which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

Title Issuance for Mobile Homes by MVD

The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
A $7 title fee is required for each section of the mobile home.
Mobile homes that are affixed to real property do not receive titles from MVD.

Applying for a Mobile Home Title

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

Affidavit of Affixture

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

Buying a Used Mobile Home

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see https://www.dfbls.az.gov/lta/relocation.aspx). If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:
(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.

Common Policy Riders for Mobile Home Insurance in Arizona

Sewer and Water Backup
Equipment Breakdown
Inflation Guard/Guaranteed Replacement Cost
Personal Property Replacement Cost
Home Business
Watercraft
Identity Theft
Personal Injury
Secondary Residence
Limited-Term Endorsements
Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions in Arizona Homeowners Insurance

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include:

Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
Non-accidental Incidents: Most policies will not cover damage caused on purpose.
Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.

Coverage Exclusions in a Mobile Home Policy in Arizona

Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is important for mobile homeowners to understand the coverage limitations in case of earthquake damage.

BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding A Manufactured Home or Community in Bullhead City AZ

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

Joe Cairns - Mercer Realty

Address: 2960 Silver Creek Road Lot 26, Bullhead City, AZ 86442
Description: This seems to be a real estate dealer's listing for a mobile home in Bullhead City, Arizona. They have one home listed for sale. You can contact them through the provided form for more information.

Reserve at Fox Creek (AGE-RESTRICTED 55+ COMMUNITY)

Address: 2350 Adobe Road, Bullhead City, AZ 86442
Description: Reserve at Fox Creek is an age-restricted (55+) community offering active retirement living. They have a Red Tag Sale promotion with savings up to $20,000 on select homes. The community features a gated entrance, a clubhouse, a swimming pool, recreational facilities, and more. Pet restrictions allow two pets under 50 pounds.

Silver View RV Resort (ALL AGES COMMUNITY)

Address: 1600 Silver Creek Road, Bullhead City, AZ 86442
Description: Silver View RV Resort is an all-ages community in Bullhead City, Arizona. They have two homes listed for sale and vacant sites available. The community features various amenities, but specific details are not provided in the listing.

Please note that these are property listings, and you may want to contact the respective communities or dealers for more information regarding the homes, pricing, and availability. Bullhead City'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 Bullhead City

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

Riverfront Property Flood Insurance:

Reasoning: Bullhead City is situated along the Colorado River. This endorsement provides specialized flood insurance coverage for properties near the river, addressing damages from river flooding.

RV River Recreation Liability Coverage:

Reasoning: If you use your RV for river-based activities, this coverage offers liability protection for accidents or injuries that might occur while using RV-based watercraft.

Mobile Home Patio and Deck Coverage:

Reasoning: If you have a patio or deck attached to your mobile home, this coverage addresses damages to these structures caused by weather or accidents.

Mobile Home Desert Landscaping Protection:

Reasoning: Maintaining desert landscaping can be challenging. This endorsement offers coverage for damages to desert plants and outdoor property features.

RV Riverfront Campground Liability Coverage:

Reasoning: If you frequently stay in riverfront campgrounds, this endorsement provides liability protection for accidents or injuries that might occur while using campground facilities along the Colorado River.

RV Storage Security Coverage:

Reasoning: Security concerns in RV storage facilities can be important. This coverage addresses potential damages or theft that might occur while your RV is stored.

What Additional Services can you get covered?

 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