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Protect Your Manufactured Home in Casa Grande, AZ

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

Welcome to Casa Grande, AZ – a place cherished by both its residents and those seeking a new place to call home. Founded in 1879, the city was named after the famous Hohokam Indian Ruins located 20 miles to the northeast. Casa Grande boasts a rural heritage and hometown appeal, and is situated midway between Phoenix and Tucson. With its strategic location at the intersection of two major interstates (I-8 and I-10), the city offers a mix of manufacturing, healthcare, logistics, and retail industries. The city has grown to be the largest community in Pinal County since its incorporation in 1915.

Casa Grande offers numerous scenic attractions that make it perfect for visitors and residents alike. From the once dependent agriculture and mining, the city evolved into a full-service area with various tourist-related employment. Tourists can indulge themselves in the Promenade at Casa Grande, which hosts many upscale fashion stores, and the Cactus Antique Aircraft Fly-In in March. Visitors can also tour the Casa Grande Ruins National Monument, which is a popular destination situated near Coolidge, 30 minutes away from the city.

Casa Grande’s proximity to the Phoenix and Tucson metropolitan areas, direct access to two major interstates, the Union Pacific railroad, and robust infrastructure have made it an attractive destination for innovative companies and projects such as the 1.75 million square foot international business-to-business sourcing center, PhoenixMart, Lucid Motors, the next generation of electric vehicles, and Attesa Motorsports, a 2,500-acre master-planned project featuring two professional racetracks. The city has facilities such as Grande Sports World which hosts Major League Soccer teams, as well as national and Olympic teams who come to train and play at the facility.

The city of Casa Grande provides an extensive range of community facilities, including parks, fitness centers, and golf courses, among others. There are more than 18 parks with ramadas, miles of hiking trails, handball courts, tennis courts, softball diamonds, and playground equipment to be enjoyed. The Casa Grande Valley Historical Museum is replete with historical items on displays that tell the local history of the area. The Museum of Casa Grande is another great place to learn more about the region's history and growth throughout the years. It contains over 50,000 artifacts, including prehistoric, archaeological, historic, and contemporary items.

Casa Grande is a city that offers a unique blend of rural heritage and urban attractions. From outdoor fun in the sun to a nighttime museum, Casa Grande has many attractions that make it perfect for a visit or stay. Its strategic location, scenic attractions, and community facilities, among other things, make Casa Grande a perfect place to live, work, and play.

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.

Having safety features such as smoke detectors, burglar alarms, and fire extinguishers can lead to discounts on premiums.

  • 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.

If you or the previous owner of the home has made insurance claims in the past, especially frequent or recent ones, your rates might be higher.

  • 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.

Homes that are occupied full-time might have different rates than those that are only occupied seasonally or occasionally.

Homes that are rented out to others can have different risk factors and might be insured differently than homes that are owner-occupied.

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

Weather Risks in Casa Grande

Casa Grande is susceptible to several weather risks, including:

Casa Grande experiences extreme heat, with 100% of homes at risk. A heat wave of 3 or more consecutive days with “feels like” temperatures reaching or exceeding the local definition of a hot day (113ºF) is increasingly likely. Casa Grande is expected to have 7 hot days this year and 19 days above 113ºF in the next 30 years.

This leads to increased energy usage for cooling, with air conditioning being used for approximately 299 days annually.

Over the next 30 years, the number of cooling days is projected to increase to 310, resulting in a 5.80% increase in electricity usage for cooling purposes.

Casa Grande faces a major risk from wildfires, with 99% of properties (25,218 properties) at risk of being affected over the next 30 years.

Wildfires can have a significant impact on properties, access to utilities, emergency services, evacuation routes, and the overall economic well-being of the area.

Casa Grande has minor risk from flooding, major risk from wildfires, and minimal risk from severe winds.

Casa Grande, AZ Neighborhoods to consider.

Here are some of the safest neighborhoods in Casa Grande:

Property Crime Rates

Casa Grande has a higher property crime rate compared to the national average, with a chance of becoming a victim of a property crime being 1 in 34. The property crime rate in Casa Grande includes:

Rate per 1,000:

While Casa Grande's overall crime rate is not among the highest in the country, it is higher than 84% of cities and towns in Arizona. When compared to communities of similar population size, Casa Grande's crime rate per thousand residents stands out as higher than most.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Additional Structures

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

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.

Discounts and Bundling Options

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

Claim Process and Customer Service

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

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?

Regulations for RV parks in Michigan may vary depending on the local jurisdiction. Local governments often set zoning regulations and land use ordinances that govern the establishment and operation of RV parks.

Arizona Mobile Home Resources
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!

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.

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:
(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.

  • 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 Mobile Home Community In Casa Grande, AZ

When it comes to finding the best dealerships or mobile home manufacturers to get a manufactured or mobile home in Casa Grande, there are a few options worth considering. These dealerships and manufacturers offer a range of homes and provide a high level of quality and customer service:

Sundance 1 RV Resort

A three in one treat for anyone looking for comfortable and affordable living, short-term or long-term. That’s because Sundance 1 RV Resort, Sundance 2 and The Buttes at Sundance (a 55+ adult community) are all located in Casa Grande, Arizona. Looking for year-round residency? Prefer living full time in your RV? Or perhaps converting to a Park Model home or expanding into a larger Manufactured Home in the Sundance 2 extension? For renters, this place offers spacious sites to rent for your RV and also offers a selection of Park Model Home Rentals.

Casa Buena MHP Community

All ages are welcome in this conveniently-located, pet-friendly community that is just 47 miles away from Phoenix, 52 miles from Scottsdale, and 71 miles from Tucson. You can commute to and from here easily via the I-10 to your destination. See what else is waiting for you at the affordable, yet quaint and memorable, Casa Buena.

Casa Verde Estates

Located in Casa Grande, Arizona, Casa Verde Estates offers mobile homes tailored for the 55+ community and boasts itself as Arizona's hidden gem. Within this secure, gated environment, residents enjoy the blend of intimacy and service, evident in features like individual trash pick-up, door-to-door mail, and expansive streets surrounded by mature landscapes. Their amenities include an 8,000 sq. ft. clubhouse, sports facilities ranging from putting greens to bocce ball courts, two heated pools and spas, on-site RV storage, and much more.

Fairways Community

Welcome to the Fairways Community, nestled beside the Dave White Municipal Golf Course in Casa Grande, Arizona. This 55+ community offers both the privacy seniors desire and the advantage of close proximity to the golf course. Occasionally, homes open up for new members, and these are detailed on their website.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.


Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Casa Grande

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

Given the extreme heat and intense sunlight in Casa
Grande, many mobile homes have rooftop equipment, such as solar panels or HVAC
units. Ensure that your insurance policy includes coverage for damages to these rooftop
installations, as they are vital components of your home.

The soil in Casa Grande can experience
shifting and settling. Look for an insurance policy that includes coverage for damages to
your mobile home's foundation or structural elements caused by ground movement.

Casa Grande is known for its golf courses, and errant golf balls
can potentially cause damages to mobile homes situated near them. Consider a policy
that covers damages caused by golf balls, including broken windows, dented siding, or
other impacts.

Casa Grande has a diverse wildlife population, which can
sometimes lead to animal intrusions in mobile homes. Ensure that your policy includes
coverage for damages caused by wildlife, such as damage from pests, birds, or other
animals entering the home.

If your mobile home is located within a community
or park with shared amenities, check if your insurance policy covers damages to
community structures, such as swimming pools, clubhouse buildings, or common areas.
It's important to discuss these specific coverage needs with your insurance
provider, as they will have a better understanding of the risks associated with
Casa Grande, AZ, and can tailor a policy that meets your unique requirements.
CoverTree can help you with the easiest quote on the market, just click here

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 coverag
Personal Injury Protection coverage
Locksmith coverage
Golf Cart coverage

So what are you waiting for? Click here to get a quote now! CoverTree has got your back!

Now that you've got the lowdown on mobile home insurance coverage in Casa Grande, AZ, don't hesitate to get a CoverTree quote now.

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