Covertree’s Comprehensive Guide!
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.
Having safety features such as smoke detectors, burglar alarms, and fire extinguishers can lead to discounts on premiums.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Casa Grande
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
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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
References:
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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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