Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to Douglas, AZ – a vibrant, friendly and diverse city nestled in the southeast corner of Arizona. For those looking to relocate to Douglas, you’ll find a community that values hard work, family, and the beauty of the outdoors. With affordable living costs, a warm climate and access to scenic outdoor spaces, it’s no wonder why Douglas is a popular destination for those looking to start a new chapter.
And for those who already call Douglas home, you know what makes this city so special. From the annual Days of the Old West celebration to community events like the Fourth of July fireworks show at Raul Castro Park, there’s always something to celebrate in Douglas. With a rich cultural heritage steeped in history and tradition, residents are proud to call this city home. Douglas is located in the southern part of the state, close to the U.S.-Mexico border. With a population of 15,000 residents, it has been dubbed as one of the nation’s best “micropolitan” areas, known for superior amenities, growing economies, and moderate costs of living. This charming and historical border community has over 100 years of rich history, dating back to when it was founded in 1901 as a smelter site for the copper mines of Bisbee.
The town’s open grassy lands were perfect for roundups for many of the region’s largest cattle ranchers, and the entire valley is known for its rich agriculture. Spanish conquistadors established presidios throughout the region, and the present-day Douglas is close to the San Bernardino Presidio of the late 1700s. The region also has a colorful Native American history, with legendary figures such as Geronimo and Cochise among the most famous Native American figures to define the southern part of Cochise County.
In Douglas, visitors and residents can enjoy the town’s green spaces and wildlife, as well as many of its historical landmarks. It has preserved a few well-preserved examples of early 20th-century architecture in its small downtown core. The historic Gadsden Hotel, with its magnificent marble columns and Tiffany stained glass, and the Douglas Grand Theater, once the largest theater between Los Angeles and San Antonio, are some of the landmarks that visitors should check out.
Aside from these landmarks, visitors can explore the cattle ranches, the famous Slaughter Ranch, the San Bernardino and Leslie Canyon National Wildlife Refuges, and a birder’s paradise within minutes from the town. The Douglas Williams House/Museum houses one of the state’s most comprehensive photographic collections, which chronicles much of the city’s historic past. The town also has numerous community facilities such as an indoor aquatic center, art gallery, seven parks, a picturesque 18-hole golf course, tennis and racquetball courts, a recreation center, public library, Cochise College and affiliated University of Arizona course offerings, plus an impressive list of community programs and activities for its citizens. Douglas awaits, are you on the way, or loving it here right now?!
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.
The 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.
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 Douglas, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
The chance of becoming a victim of a property crime in Douglas is 1 in 52 and is higher than the national average across all communities in America.
Rate per 1,000 population in Douglas:
Douglas’s rate for property crime is 19 per one thousand people. This makes Douglas a place where there is an above average chance of becoming a victim of a property crime, when compared to all other communities in America of all population sizes.
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.
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.
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.
Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.
Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.
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.
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.
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.
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 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
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.
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:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Douglas’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!
Provides coverage for the structure of your mobile home, manufactured home, prefabricated home, or RV in the event of damage or destruction.
Protects your personal belongings inside your mobile home, manufactured home, prefabricated home, or RV against loss or damage.
Covers you financially if you are found legally responsible for injury or property damage to others while on your property or while using your RV.
Replacement Cost Coverage: Ensures that your damaged property is replaced with new items at current market prices, regardless of their depreciated value.
Covers the cost of temporary living arrangements if you are unable to live in your mobile home, manufactured home, prefabricated home, or RV due to covered damages.
Provides coverage for medical expenses if a guest is injured on your property or in your RV, regardless of fault.
