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 Eloy, Arizona – an oasis of history and skydiving in the Sonoran Desert!
Situated amidst the sweeping landscapes of Arizona’s Sonoran Desert, Eloy stands as a testament to the resilience and adaptability of desert communities. Flanked by cacti-studded vistas, with the backdrop of distant mountain ranges, Eloy has etched its unique mark on Arizona’s vast tapestry.
The origins of Eloy trace back to the early 20th century, when the Southern Pacific Railroad carved its tracks through the desert, bringing with it settlers and economic opportunities. As with many communities of the Old West, Eloy’s early days were marked by ranching, agriculture, and a sense of frontier independence. Today, remnants of that pioneering spirit can still be felt in the town’s architecture, its historic districts, and the tales of its long-time residents.
However, while history is an essential part of Eloy’s charm, the city has earned a modern reputation that draws thrill-seekers from around the world: skydiving. Eloy is often touted as the “Skydiving Capital of the World.” Thanks to its clear skies, low rainfall, and vast open spaces, the conditions here are almost always perfect for the sport. Skydive Arizona, based in Eloy, is one of the largest skydiving facilities globally and offers experiences ranging from tandem jumps for novices to advanced training for seasoned skydivers.
Beyond the adrenaline rush of free falls, Eloy’s natural beauty and tranquility have a magnetism of their own. The Picacho Peak State Park, a short drive away, is famed for its springtime wildflower displays and the iconic Picacho Peak, which offers challenging hikes and panoramic views.
Agriculture, too, remains a vital part of Eloy’s character. The desert, with its scorching days and cool nights, offers a unique cultivation environment. Eloy and its surroundings are known for cotton farming, and as you drive through the outskirts, it’s not uncommon to see sprawling cotton fields, their white, fluffy flowers shimmering in the sunlight.
Culturally, Eloy celebrates its heritage and the diverse tapestry of its population. Events like the annual Cotton Festival pay homage to the town’s agricultural roots, combining fun, food, and entertainment with an appreciation of Eloy’s farming history. Yet, for all its attractions, perhaps Eloy’s most enduring quality is its sense of community. It’s a place where neighbors know each other, where local businesses thrive on word-of-mouth, and where the desert’s timeless rhythms echo in the everyday lives of its residents. To visit Eloy is to experience a blend of history and modernity, of earth-bound farming and the ethereal thrill of skydiving, all set against the vast, unyielding beauty of the Sonoran Desert. Whether you’re gazing at the horizon from thousands of feet in the air or simply enjoying a desert sunset, Eloy invites you to be part of its ever-evolving story.
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 Eloy, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Here's an in-depth breakdown of the crime scenario in Eloy, Arizona
The data paints a detailed picture of Eloy, AZ’s struggles with both violent and property crimes. While it doesn’t rank among the highest crime areas in the country, its significant rates, especially when compared to communities of similar size, call for action. Local law enforcement, civic leaders, and community members must work collectively to implement strategies that can curb criminal activities. This might include initiatives like community policing, increased surveillance in high-crime areas, and fostering community engagement and collaboration.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.
Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.
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.
Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.
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.
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 Eloy’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!
