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Protect Your Manufactured Home in
El Mirage, AZ

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

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.

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

Weather Risks

El Mirage experiences 167.8 days annually when the high temperature is over 90°, which is hotter than most places in Arizona. Heat waves are common during summer months, with July being the hottest month with an average high temperature of around 106 degrees. Extreme heat events can pose significant health risks, especially for vulnerable populations like the elderly, children, and people with pre-existing medical conditions. Exposure to high temperatures for prolonged periods can lead to heat exhaustion, heat stroke, and other heat-related illnesses that can be life-threatening if left untreated.

Summer storms are rare in El Mirage but when they do occur, they bring powerful thunderstorms with flash flooding risks. Flash floods can occur suddenly and with little warning, putting people and property at risk.
2,526 properties in El Mirage have greater than a 26% chance of being severely affected by flooding over the next 30 years, which represents 54% of all properties in El Mirage. Flooding can cut off access to utilities, emergency services, transportation, and may impact the overall economic well-being of an area. El Mirage has a moderate risk of flooding over the next 30 years, which means flooding is likely to impact day-to-day life within the community.
El Mirage is investing in flood risk reduction projects, but more may be needed to adequately prepare for potential flood events.

There are 11,972 properties in El Mirage that have some risk of being affected by wildfire over the next 30 years. Wildfires can spread quickly and pose a significant threat to people, property, and wildlife. El Mirage has an extreme risk of wildfire over the next 30 years based on the level of risk the properties face. It’s important to take precautions to reduce wildfire risk, such as maintaining defensible space around homes and buildings, having evacuation plans in place, and being prepared to act quickly in the event of a wildfire.

El Mirage, AZ neighborhoods to consider

Property Crime Rates

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.

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.

Coverage for Personal Belongings

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.

Regular Policy Review

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.

Coverage for Relocation

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.

Endorsements

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.

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 Recreational Vehicle Long-Term Rental Space Act outlines regulations for long-term rentals of RV spaces.

Arizona Mobile Home Resources
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 El Mirage, AZ

If you're in the market for a mobile or manufactured home in El Mirage, 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 El Mirage. 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 El Mirage, AZ when it comes to manufactured homes and related services.

Pueblo El Mirage

Pueblo El Mirage, situated in El Mirage, Arizona, is a premier 55+ RV and Golf Resort. With options ranging from 378 RV sites to vacation rentals and home ownership, residents have an array of choices for their stay. Not only does it boast a championship golf course and 26 pickleball courts, but the resort also offers a pool, hair salon, library, computer room, and specialized workshops for crafts. Weekly events, such as live music and food trucks, keep their community entertained. Its location near Phoenix ensures easy access to local attractions and essential health care services

Coppersun

Located in El Mirage, AZ, Coppersun is a 55+ manufactured mobile home community designed for the perfect retirement lifestyle. Embrace Arizona's radiant sunshine and scenic beauty, relax by the pool, or engage with friends at the clubhouse. The palm-tree-lined streets invite peaceful strolls or sunset walks, making it an ideal spot for both relaxation and socialization. Coppersun ensures residents enjoy a vibrant and hassle-free living experience in the heart of Arizona.

Rosewood Estates

Rosewood Estates is a gated community located in the Northwest Valley. Local conveniences include shopping, dining and entertainment. The community features a jacuzzi and two pools and residents enjoy planned activities and events throughout the year!

Palm Vista

Palm Vista in Avondale, Arizona is the family-friendly manufactured home community you've been dreaming of. Offering a variety of home designs tailored to your needs, this affordable, low-maintenance community is not only a place to live but a lifestyle to embrace. Enjoy resort-style amenities on-site and the blend of a bustling metropolis with the charm of scenic landscapes. Experience quality living without breaking the bank at Palm Vista.

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 El Mirage, AZ

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.

Offers protection against damages caused by strong winds and
windstorms, which are common in the El Mirage area.

Covers damages caused by hailstorms, which can be prevalent in Arizona.

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.

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 El Mirage, 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 El Mirage,
AZ, and can tailor a policy that meets your unique requirements.

 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 El Mirage, AZ, don't hesitate to get a CoverTree quote now.

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