Covertree’s Comprehensive Guide!
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The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
Finding the Best Mobile Home Insurance In Bullhead City
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
References:
CoverTree operates in CA as MHTree Insurance Services
CA license # 6009070
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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