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 El Mirage, AZ – El Mirage is a vibrant and diverse urban community located approximately 10 miles northwest of downtown Phoenix in the Greater Phoenix Metro Area. With a population of more than 35,000, El Mirage has grown from a small town dependent on agriculture to a thriving city with a strong economy.
El Mirage is conveniently situated near Luke Air Force Base, which is the largest fighter pilot training facility in the world. The city is also well-connected to major transportation corridors, with the Northern Parkway providing access to the Loop 303, Interstate 10, and Interstate 17. U.S. Highway 60 on the city’s northern edge offers easy access to Loop 101 and Loop 303. El Mirage comprises approximately 20 neighborhoods, creating a culturally diverse community. The city offers affordable housing and a small-town feel, attracting young working families, retirees, and entrepreneurs seeking expansion into new markets. El Mirage is a part of the nationally and internationally recognized Dysart Unified School District, providing excellent education opportunities for residents.
The city is committed to enhancing the quality of life for its residents through public safety and recreational initiatives. Recent voter-approved bonds have resulted in the construction of a new fire station, police station, Northwest Valley Family YMCA facility, and a new City Hall. City leaders are dedicated to keeping pace with growth through fiscal stewardship and sound financial management.
El Mirage is part of the Greater Maricopa Foreign Trade Zone (FTZ), a multi-jurisdictional effort in the West Valley. This government-designated, 400-acre site at the southern end of the city allows for the storage, assembly, and exhibition of foreign and domestic goods exempted from U.S. Customs duties and excise taxes. Retail expansion is also a significant driver of the economy, generating tax revenues, creating jobs, and attracting visitors and residents. El Mirage celebrated its 70th anniversary in 2021. The city has a rich history, with the ancient Native American culture known as the Hohokam being the earliest inhabitants of the area. During the 1930s, migrant farm workers settled in El Mirage to help build canals and harvest crops. The city’s close relationship with Luke Air Force Base, one of the U.S. Air Force’s primary fighter training bases have been maintained over the years.
El Mirage offers a range of services and resources to its residents. The city has a community garden, customer service options for water and utility services, a senior center, a library, and access to Dial-A-Ride and Paratransit services. The Parks and Recreation Services division provides opportunities for residents to engage in healthy lifestyles and educational activities. El Mirage also hosts various special events throughout the year.
El Mirage is a thriving community that offers a high quality of life, a strong economy, and a rich history. With its diverse neighborhoods, convenient location, and commitment to growth and development, El Mirage attracts residents from various backgrounds. Whether you are looking for a place to raise a family, start a business, or enjoy retirement, El Mirage offers a range of opportunities and amenities.
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 El Mirage, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Chances of Becoming a Victim of a Property Crime:
Property Crimes in El Mirage (Population: 36,016):
El Mirage has a crime rate higher than the national average (21 crimes per 1,000 residents). The chance of becoming a victim of either violent or property crime in El Mirage is: 1 in 49 and the property crime rate in El Mirage is 17 per 1,000 population, above average compared to other communities in America.
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.
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.
Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.
Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.
In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.
Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.
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 El Mirage’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! These are some things you should look out for in an insurance plan for El Mirage
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.
Offers protection against damages caused by strong winds and windstorms, which are common in the El Mirage area.
Provides coverage against damages caused by flooding, including flash floods that can occur in the area.
Protects your mobile home, manufactured home, prefabricated home, or RV against damages resulting from earthquakes, which are a possibility in Arizona.
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.
