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Protect Your Manufactured Home in Douglas, AZ

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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.

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

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?!

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

Weather Risks

There are 5,923 properties in Douglas that have some risk of being affected by wildfire over the next 30 years. This represents 99% of all properties in Douglas.

In addition to damaging properties, wildfires can also cut off access to utilities, emergency services, impact evacuation routes, and may impact the overall economic well-being of an area.

Overall, Douglas has a major risk of wildfire over the next 30 years. This is based on the level of risk the properties face rather than the proportion of properties with risk.

Douglas has a major risk from extreme heat. This is due to “feels like” temperatures increasing and because 100% of homes in Douglas have a Major Heat Factor risk. A heat wave consisting of 3 or more consecutive days where the “feels like” temperature meets or exceeds the local definition of a “hot day” is an increasing possibility as temperatures rise. The “hot day” temperature for Douglas is 99ºF. 30 years ago, the likelihood of a 3 day or longer heat wave in Douglas was 8%.

  • Hail: There have been 57 instances of continuous hailstorms in the last 60 years within 50 miles of Douglas.
  • Flood: There have been 97 cases of extreme flooding in the last 60 years within 50 miles of Douglas.
  • Thunderstorm and Wind: There have been 60 instances of severe thunderstorms (including wind) in the last 60 years within 50 miles of Douglas.

Douglas, AZ Neighborhoods to consider

Property Crime Rates

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.

Seek Professional Advice

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.

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.

Manufactured Home Insurance Coverage

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.

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.

Policy Limits

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.

Premium Costs

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.

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?

The Arizona Mobile Home Parks Residential Landlord and Tenant Act sets forth regulations for the relationship between mobile home park landlords and tenants.

Arizona Mobile Home Resources
Mobile Homes in AZ.

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 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:
(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 in Douglas, AZ

If you're in the market for a mobile or manufactured home in Douglas, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Douglas. Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Douglas, AZ when it comes to manufactured homes and related services.

ManufacturedHomes.com

Navigating the home buying process is easier with expert guidance, and that's why they offer a comprehensive directory of trusted manufactured and modular home retailers and builders. Conveniently located near Douglas, Arizona, these professionals will help you customize and purchase your dream home. If financing is on your mind, their experienced team, backed by a database of lenders skilled in manufactured home financing, will guide you through options from FHA/VA loans to Land/Home packages. Embrace the flexibility and affordability of factory-built homes, and start your journey in Douglas, where your ideal home can be placed anywhere.

Sieling's Mobile Village

Sieling's Mobile Village, located at 798 West Sieling Loop, Bisbee, AZ 85603, offers all-ages affordable housing with lot rents between $425 - $575, covering trash pickup, water, and sewer. The community features wide gravel streets, city-sourced water, and off-street parking. It's conveniently situated near schools, recreational areas, shopping, and entertainment venues.

Rincon Country

Rincon Country Manufactured Home Park is a dedicated senior community emphasizing the well-being and interests of its residents. The park, reminiscent of a cozy small town within a larger city, promotes activities like walking, jogging, and bicycling. With home values ranging from $30k to $100,000, your dream home at Rincon Country MHP is within reach.

Los Arcos Estates

Los Arcos is a vast all-age community in Sierra Vista, boasting breathtaking mountain views and a warm community ambiance. Centrally located, it's a short walk to Historic Fort Huachuca and a brief 30-minute drive to the historic towns of Bisbee and Tombstone. Since coming under new ownership in March of 2020, the community has witnessed significant upgrades, including new roads, a refurbished clubhouse and pool, and a brand new basketball court. Los Arcos provides 217 spaces and a special RV section.

El Frontier

El Frontier eagerly awaits to be your next home. Nestled near top-rated schools and attractions like Saguaro National Park and the Tucson Museum of Art, and just 5 miles from Downtown Tucson, it's perfect for families. Enjoy the convenience of public transport for easy exploration, dine at local favorites like The Grill at Hacienda del Sol, and shop at nearby Walmart, The Home Depot, or Tucson Mall. Their pet-friendly community champions amenities like carports, a clubhouse, hot tub, laundry facilities, playground, swimming pool, and more. Let them make your home ownership dreams come true in El Frontier.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 Douglas

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.

For mobile homes or manufactured homes
that are unoccupied for extended periods, this coverage protects against risks
associated with vacant properties, such as vandalism or theft.

Offers assistance if your RV breaks down
while on the road, including towing, battery jump-starts, fuel delivery, and locksmith
services.

Provides an extra layer of liability protection beyond the
limits of your underlying mobile home, manufactured home, prefabricated home, or RV
insurance policy.

Protects you financially if you
are involved in an accident with a driver who is uninsured or underinsured.
Insurance coverage and requirements may vary between different insurance providers.
It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in Douglas, AZ to understand the specific coverage options available to
you. 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 Douglas,
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 (LINK TO
CTA)

 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

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 Douglas, AZ, don't hesitate to get a CoverTree quote now.

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