Covertree’s Comprehensive Guide!
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.
Chino Valley has a major risk from heat. 99% of homes in Chino Valley have a Major Heat Factor risk. A heat wave of 3 or more consecutive days where the “feels like” temperature meets or exceeds the local definition of a “hot day” (96ºF) is increasingly possible. It is estimated that Chino Valley will experience the use of air conditioning for approximately 202 days this year to stay cool indoors. Over the next 30 years, the number of cooling days will increase to 215 days per year, resulting in a 13.5% increase in electricity usage for cooling purposes.
Chino Valley has minor risk from flooding, minor risk from wildfires.
and minimal risk from severe winds.
Earthquakes, severe storms and tornados are also possible in Chino Valley.
Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.
Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.
Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.
Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!
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.
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 Detroit.
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.
They are dedicated to guiding you every step of the way in your home buying journey - with adept and friendly consultants who are ready to address all your queries regarding mobile and modular home choices. Visit their easily accessible location to explore their array of single and double wide display homes and browse through diverse manufactured home floor plans. From expansive kitchen islands and open layouts to luxurious spa-like bathrooms, they will assist you in pinpointing the features that will transform a house into your dream home. Whether it's an integrated entertainment hub or a lavish soaker tub you desire, they’re here to help make your vision a reality.
Nestled in the heart of scenic Chino Valley, AZ, Country West stands as an idyllic 55+ Manufactured Home Community and RV Park. With a rich history spanning over 25 years, this family-owned and operated enclave has cultivated a warm and engaging atmosphere, brimming with activities tailored for active seniors. Their homes offer affordable senior living options, with prices ranging from $90,000 to $290,000. In addition to homes, they provide full hook-up RV sites and storage facilities. As an authorized dealer for Cavco Homes, they can also facilitate orders for new manufactured homes to be situated on any vacant lot within Country West.
Established in 1983 by Darwin Levie, Levie Homes has been at the forefront of providing affordable mobile homes in Chino Valley and Paulden. Additionally, they have played a significant role in developing plots in Granite Mountain Homesites, situated on Williamson Valley Road. Selling the exquisite craftsmanship of Champion Homes, manufactured right here in Arizona, the Bistro Bay model stands out, showcasing state-of-the-art design and functionality. Their inventory comprises a broad spectrum of Manufactured Homes, alongside numerous Land Home Packages that are prepped and ready for immediate occupancy.
Mountain View in Chino Valley, Arizona, is a serene retreat nestled in over 10.6 lush acres with 84 spacious lots suitable for mobile and RV homes. Conveniently located near recreation, shopping, and health facilities, the park offers oversized lots that are 25%-35% larger than typical area lots. Their community, a mix of professionals, retirees, and military personnel, enjoys easy access to Prescott off Highway 89. They also provide attractive move-in specials, ensuring a smooth and affordable transition to their welcoming community. These are just a few of the best local manufactured home retailers, manufacturers, dealers, and communities in Chino Valley, AZ. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Chino Valley
Covers damage caused by water from sources such as
broken pipes, overflows, or sewage backups. This coverage can be especially important
in areas where monsoon storms can cause flooding or heavy rains result in water
damage.
Mold can be a common problem in homes that have experienced
water damage, making this coverage an important consideration. Look for policies that
include mold coverage to ensure you're protected.
This coverage pays for damage to essential home
systems such as air conditioning, heating, and electrical systems due to a mechanical
or electrical breakdown. This could be particularly important in a hot climate like Chino
Valley.
Protects you in the event that you're found legally
responsible for causing bodily injury or property damage to someone else. This
coverage can be especially important if you have a lot of visitors to your home.
Covers you in the event that you're sued for things like libel,
slander, or invasion of privacy. This coverage can be particularly important if you're
active on social media or have a personal blog where you express opinions that could
be potentially harmful to others.
Provides protection in the event that your identity is stolen.
This coverage can help reimburse you for expenses related to restoring your identity
and repairing damage to your credit score.
This covers high-value items that may
exceed the limits of your policy's personal property coverage. Examples could include
jewelry, fine art, or musical instruments.
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
Chino Valley, 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 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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