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Protect Your Manufactured Home In Coolidge, AZ.

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

Welcome to Coolidge, Arizona - the multi-faceted jewel of Pinal County and keeper of ancient mysteries!

At the heart of Arizona’s Sun Corridor, nestled between the Sonoran desert and the lush agricultural plains of Pinal County, lies Coolidge — a city that embodies the timeless interplay between nature, history, and human ingenuity. Home to both ancient wonders and modern developments, Coolidge offers residents and visitors a unique blend of Southwestern experiences.

Coolidge's story has deep historical roots, and the city’s proximity to the Casa Grande Ruins National Monument is a testament to this rich past. This ancient structure, the "Great House," stands as a silent yet formidable reminder of the Hohokam civilization that once thrived in the region around a millennium ago. Its true purpose and the reason for its eventual desertion remain shrouded in mystery, but today it serves as a beacon of intrigue for archaeologists, history buffs, and the curious traveler.

The city itself was founded relatively recently in the vast timeline of the region. Named after Calvin Coolidge, the 30th President of the United States, it grew rapidly with the establishment of the Southern Pacific Railroad. The introduction of the San Carlos Irrigation Project transformed the surrounding arid desert into a fertile hub for agriculture. To this day, the farms around Coolidge contribute significantly to Arizona’s produce, especially cotton, earning the city its reputation as an agrarian jewel.

Nature enthusiasts will find solace in the expansive landscapes surrounding Coolidge. The nearby Picacho Peak State Park, with its iconic summit that rises dramatically from the desert floor, offers challenging hikes and breathtaking panoramic views, especially during the spring when wildflowers paint the terrains in a riot of colors.

Modern Coolidge maintains a close-knit community vibe. Events such as the annual “Coolidge Days” celebrate the city's heritage and culture, bringing together residents for parades, rodeos, and communal festivities. The city's parks, including the popular Kenilworth Sports Park, offer recreational spaces for families, athletes, and anyone looking to relax amidst greenery.

The culinary scene in Coolidge is a delightful blend of traditional Southwestern flavors and international cuisines. Whether you're in the mood for a hearty Mexican meal, classic American fare, or just a cup of locally brewed coffee, the city’s eateries have something to satiate every palate.

One lesser-known fact about Coolidge is its involvement during World War II as a training site for pilots. The remnants of the Coolidge Army Airfield stand as a testament to this era, with occasional vintage airplane events evoking memories of a bygone time.

In essence, Coolidge is a microcosm of Arizona's broader narrative, merging tales of ancient civilizations with those of pioneering spirits, agrarian transformations, and modern-day community endeavors. It invites you to explore its mysteries, savor its present, and look forward to a future where the past is always reverently remembered. Whether you're drawn by the whispers of ancient ruins, the allure of natural wonders, or the warmth of a close-knit community, Coolidge beckons with open arms and countless tales.

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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

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

Weather Risks in Coolidge, AZ

  • Description: Coolidge is prone to sudden severe storms, with potentials for strong wind gusts of up to 70 mph and hailstones larger than one inch. Flash floods can be particularly dangerous after heavy rainfall.
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Mobile and manufactured homes may not be anchored and can be vulnerable to strong wind gusts.
    • Floodwaters can infiltrate and severely damage these homes or tip them.
    • RV owners should avoid parking in areas prone to flooding and should be cautious of strong winds which can sway or tip their vehicles.
  • Description: The region is at a major risk for wildfires, exacerbated by dry conditions, lightning, and occasionally, human activities.
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Wildfires can quickly spread to areas with mobile and manufactured homes due to the flammable materials often used in their construction.
    • Evacuations may be more difficult for communities with limited road access.
    • RV owners must be vigilant and prepared to move their vehicles away from fire-prone areas.
  • Description: Coolidge faces extreme heat conditions, especially during the summer months, which can lead to health risks like heatstroke.
  • Implications for Mobile/Manufactured Homes & RV Owners:
    • Manufactured homes often have poor insulation which can lead to intensified indoor heat.
    • Over-reliance on air conditioning units can lead to electrical overloads or failures.
    • RVs can become unbearably hot without proper ventilation or shade, posing risks to occupants.
    • Prolonged exposure to extreme heat can lead to health complications, especially for the elderly or those with pre-existing health issues.

Recommended Attractions in/around Coolidge, AZ

  • Marvel at the 700-year-old ruins. 
  • Admire the 4-storey structure from outside and discover the history of the Hohokam people at the visitor center.
  • 45-minutes away, delve into Arizona’s railroad history. 
  • See old trains, and purchase model trains in Roy’s World.
  • Explore the region’s history at a museum that used to be a courthouse, then a hospital 
  • It now houses artifacts from early human settlements.
  • Uncover Arizona’s mining heritage with an extensive collection of local minerals and insightful exhibits.
  • Celebrate local arts. 
  • Attend workshops, view glasswork, paintings, jewelry, and support the development of the village through art sales.
  • Located in the Artisan Village, enjoy performances from talented local artists and regional performers.
  • Featured on USA TV, meet ostriches, miniature donkeys, goats, deer, and more. Try the Monster Truck Tour for added fun.
  • South of Coolidge, it’s a place for bass fishing, built as part of the San Carlos Irrigation Project in the 1920s.
  • Explore over 5,000 artworks made from copper, detailing Arizona’s rich copper history.
  • Spot many of the 150 bird species on a dedicated trail and witness the majestic saguaro cacti.

Property Crime Rates in Coolidge, AZ

Here's a detailed analysis of the crime situation in Coolidge, Arizona:

  • Coolidge has a notable crime rate, with 28 crimes per 1,000 residents. While this isn’t the highest crime rate in the nation, it is significantly above the national average, and residents have a 1 in 36 chance of becoming victims of crime.
  • When contrasted with other places within Arizona, Coolidge’s crime rate surpasses that of 83% of the state’s cities and towns of varying sizes. This is concerning, as it suggests that Coolidge faces crime challenges even when evaluated within its state context.
  • As with the other cities you mentioned, Coolidge’s crime rate is particularly troubling when compared to communities of a similar population size. In such comparisons, Coolidge’s crime rate per thousand residents stands out as notably higher than most.

Violent Crime Insights:

Property Crime Insights:

Coolidge, AZ, like many other cities, grapples with challenges in terms of both violent and property crimes. Its crime rates, especially in comparison to communities of similar size, suggest that residents and potential visitors should remain alert and cautious. For the city's administration and local law enforcement, these statistics underscore the need for ongoing community engagement, preventive initiatives, and proactive policing to enhance public safety and address underlying causes of crime.

Cancellation Policy:

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Stability of the Insurance Company:

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

Age and Condition of the Home:

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Review and Compare Policies:

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

Home Value:

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

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 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.

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:​

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 Community in Coolidge, AZ

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

Indian Skies RV Resort (AGE-RESTRICTED 55+ COMMUNITY)

Address: 1050 S Arizona Blvd, Coolidge, AZ 85128
Description: Indian Skies RV Resort is an age-restricted (55+) community offering 19 homes for sale and vacant sites available. It provides a range of amenities and activities for residents to enjoy, including a gated entrance, a clubhouse, a swimming pool, and recreational facilities. The community is conveniently located with easy access to major metro areas. Pets are allowed with no aggressive breeds.

Doc Park (AGE-RESTRICTED 55+ COMMUNITY)

Address: 850 South Main, Coolidge, AZ 85128
Description: Doc Park is an age-restricted (55+) community with 92 sites. While specific amenities are not detailed in the listing, it is a senior community with an average street width. Year built is noted as 1985.

Ho Ho Kam Mobile Village (ALL AGES COMMUNITY)

Address: 1925 S Arizona Blvd, Coolidge, AZ 85128
Description: Ho Ho Kam Mobile Village is an all-ages community with 93 sites. Weekly and monthly rates are available for stays. The pad type is described as gravel with a concrete patio. Reservations are accepted, and the community is located at an elevation of 1,410 feet (429 meters).

Coolidge'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 Coolidge

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

  • Reasoning: To combat the intense Arizona sun, shade screens are common. This endorsement provides coverage for damage to or replacement of shade screens for your mobile home.
  • Reasoning: Coolidge is located in an area with cattle ranches. If you use your RV for cattle ranch activities or visit ranches, this coverage offers liability protection for accidents or injuries that might occur during these activities.
  • Reasoning: Summers in Coolidge can be extremely hot. This coverage addresses damages to patio cooling systems, such as misting systems, due to wear and tear or accidents.
  • Reasoning: Protecting your mobile home’s foundation from heat-related issues is important. This endorsement covers the cost of cooling measures, like foundation insulation or heat-resistant materials.
  • Reasoning: When navigating rural roads with cattle guards, collisions can happen. This coverage provides protection for damages to your RV resulting from collisions with cattle guards.
  • Reasoning: To combat the heat, RVs may have cooling systems. This coverage helps with maintenance and repairs to keep your RV’s cooling system functioning efficiently.

 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

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

References:

 

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