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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.
Welcome to Florence, AZ – founded in 1866, it is the sixth-oldest non-Native American settlement in the state of Arizona. It is located in Pinal County and is about 45 minutes away from both the Phoenix and Tucson metropolitan areas. The town is well-connected with three major transportation corridors: Highway 287, Highway 79, and Hunt Highway.
As a full-service municipality, the Town of Florence provides various services to its residents and customers, including police, fire, library, senior center, parks, water, sewer, and more. The town is proud of its history and has designated its downtown area as a National Historic District. It aims to balance preservation of the past with preparing for the future, encouraging new growth and revitalization while maintaining an authentic sense of place.
Education in Florence includes three public schools within the town’s boundaries, two K-8 schools, and one high school. There is also a K-6 charter school operated by the American Leadership Academy. The main campus of Central Arizona College is nearby, and Arizona State University’s Polytechnic Campus is located in the area, with the main campuses of Arizona State University and the University of Arizona in Tempe and Tucson respectively.
Florence is home to several major employers, including Pinal County, the Town of Florence, Florence Unified School District, Safeway, Florence Hospital at Anthem, Horizon Health, and nine correctional institutions. The town has a population of approximately 27,500, which increases during the day due to the number of jobs available.
Recreational landmarks and areas of interest in and around Florence include the Gila River, which runs through historic Florence, offering scenic views and opportunities for hiking, exploration, and other outdoor activities in the Sonoran Desert. Visitors can also explore landmarks such as the Casa Grande Ruins National Monument, Lost Dutchman State Park, and Boyce Thompson Arboretum State Park.
There are several special events that take place in Florence throughout the year, including the Home Tour of Historic Florence in February, the Country Thunder U.S.A. music festival in April, and the Junior Parada, the world’s oldest children’s rodeo, held every Thanksgiving weekend.
Florence is known for its historic downtown area and its commitment to preserving the past. The 1891 Second Pinal County Courthouse and numerous adobe buildings showcase Victorian architecture and the town’s western roots. The town’s collection of adobe buildings includes structures dating back to 1868. Florence’s western heritage is also celebrated through events like the Florence Junior Parada, the world’s oldest sanctioned youth rodeo.
Outdoor enthusiasts can explore the area’s public lands, offering off-roading, hiking, and opportunities to experience the rich botanical, wildlife, and cultural resources of the region. It’s worth noting that Florence also has a collection of federal, state, and private prisons, making it a notable feature of the town. The Pinal County Historical Museum showcases historical artifacts, including nooses used in executions and a double electric chair. The museum also pays tribute to western movie star Tom Mix, who died south of Florence. Overall, Florence, Arizona offers a blend of history, outdoor recreation, and cultural events for residents and visitors alike. It embraces its western heritage while also encouraging growth and development.
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 Florence, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Excessive heat poses a major risk in Florence, Arizona. Overexposure to extreme heat can lead to heat cramps, heat exhaustion, and heat stroke if not properly addressed. An Excessive Heat Warning indicates a period of very hot temperatures, even by local standards.
Take the following actions to lessen the impact of extreme heat:
Recognize the signs and symptoms of heat-related illnesses, such as thirst, muscle cramps, cool and moist skin, headache, dizziness, weakness, and exhaustion.
The most serious heat-related illness is heat stroke, which requires immediate medical attention and may present with symptoms such as vomiting, confusion, throbbing headache, decreased alertness, high body temperature, rapid pulse and breathing, and seizures. Heat stroke can be deadly.
Florence, Arizona experiences a moderate level of property crime and is quite a safe city, ranking higher than 80% of other U.S. cities! The property crime rate includes offenses such as burglary, theft, motor vehicle theft, and arson. While Florence is generally a safe community, it is still important to remain vigilant and take precautions to protect your property. Florence reports only 2 crimes per sq. mile while Arizona’s average is close to 28!
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
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.
Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.
Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.
Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.
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 Florence’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 Florence:
Florence, AZ and surrounding areas are prone to wildfires. Make sure your insurance policy includes coverage for wildfire-related damage.
Florence, AZ experiences occasional dust storms and haboobs that can cause damage to your home. Check for coverage specifically for these kinds of events.
Monsoon storms can bring flooding, high winds, and hail, which can cause significant damage to mobile or manufactured homes. It's crucial to check that your policy has coverage for these hazards.
Arizona has some of the most active faults in the United States, which makes it necessary to have coverage for potential earthquake damage.
Florence experiences harsh winters with heavy snowfall. Having coverage for issues like roof collapse due to the weight of snow or damage from ice dams can be crucial.
Mobile homes in Florence are susceptible to wind and snow damage. A comprehensive home insurance policy should include added coverage for these types of damage.
Hailstorms are another common occurrence in Florence. Homeowners should make sure their home insurance policy offers protection against hail damage to avoid high repair costs.
A mobile or manufactured home insurance policy in Florence should cover personal property in the event of damage or theft. Homeowners should ensure that their coverage limit is sufficient to protect all of their possessions.
While not common, flooding can occur in Florence and the surrounding areas. Its important to confirm with your insurance provider whether or not flood damage is included in your policy.
This coverage can protect homeowners from lawsuits if someone is injured while on their property.
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.
