CoverTree Secures $13 Million in Series A Funding to Revolutionize Manufactured Home Insurance Read More
Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Florence, AZ

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.

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

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

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.

Understanding Mobile Home Insurance in Arizona

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.

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.

Choosing the Right Mobile Home Insurance for Florence, AZ

Choosing the Right Mobile Home Insurance for Florence, 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 Florence, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Florence, AZ

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:

  • Stay indoors and seek air-conditioned buildings.
  • Drink plenty of water and avoid dehydrating alcoholic, sugary, or caffeinated drinks.
  • Dress in lightweight and light-colored clothing.
  • Eat small, frequent meals.
  • Monitor individuals at a higher vulnerability to heat, especially small children and the elderly.
  • Check on family, friends, and neighbors regularly, especially those who are more susceptible to heat-related issues.
  • If engaging in outdoor activities, take longer and more frequent breaks and avoid the hottest parts of the day.

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.

Thunderstorms are a weather risk in Florence, Arizona. Lightning and heavy rainfall are common during thunderstorms. In addition to the general risks associated with thunderstorms (e.g., lightning strikes, strong winds, and flash flooding), mobile home owners may face specific challenges like flooding, where their homes are more susceptible to water damage during heavy rainfall and flash floods than traditional houses due to their design and vulnerability to water penetration.

Microbursts are smaller-scale versions of downbursts. Downbursts occur when strong winds drop to the ground, forcing air to spread out in all directions. Microbursts are visually impressive and can produce intense, localized wind gusts. Although microbursts are not as well-known as tornadoes, they can still cause significant damage. When experienced alongside thunderstorms with lightning, microbursts can create a visually stunning and potentially dangerous weather phenomenon.

Florence, AZ Neighborhoods to consider

  • Florence Gardens
  • Florence Northeast
  • Florence East
  • Cactus Forest
  • Crestfield Manor / Wild Horse Estates
  • Belmont / Magic Ranch Ironhorse
  • Magma Ranch / Quail Run
  • Florence Townsite / Villa Adelaida
  • Douglas / Florence Heights

Property Crime Rates in Florence, AZ

Property Crime Rates in Florence, AZ

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!

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in Florence, AZ, looking for mobile home insurance

Inflation Protection

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.

Cancellation Policy

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.

Potential Rate Increases

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.

Consider Additional Coverage

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.

Compare Deductibles and Premiums

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.

Group Discounts

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.

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.

Arizona Mobile Home Facts

Arizona Mobile Home Facts

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!

What is the MVD?

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.

Mobile Home Relocation Fund

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 If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:​

  • closure of the park
  • redevelopment of the park
  • a qualifying rent increase
  • a change in community age restriction; or
  • 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 the Best Mobile Home Insurance In Florence, AZ

Finding the Best Mobile Home Insurance In Florence, AZ

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.

  • 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



CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

Copyright © 2022 CoverTree Inc. All rights reserved