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Protect Your Manufactured Home in Gilbert, AZ

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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.

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

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

Welcome to Gilbert, AZ – a vibrant and bustling town that is bursting with pride (and has an amazingly aesthetic website)! Nestled in the heart of the desert, Gilbert may be technically considered an incorporated town, but that doesn’t mean it lacks importance. In fact, Gilbert is the most populous town in the entire country, making it a true gem in the Arizona landscape.

One of the things that sets Gilbert apart is its deep appreciation for craft beer. If you’re a fan of an icy cold brew, you’ll find yourself right at home at World Of Beer. Their extensive menu offers everything from local brews to imported favorites. And let’s not forget about the pretzels – they’re served to you on a banana stand, bigger than your head! Whether you choose mustard or cheese as your dipping sauce, you’re in for a treat.

But Gilbert isn’t just about enjoying good food and drinks. It’s also a place where you can reconnect with nature and find peace for your soul. The Riparian Preserve At Water Ranch is a haven for wildlife, with beautiful trails that connect to Gilbert’s Trail System. As you explore these trails, keep an eye out for the 200 species of birds that call this place home. And don’t forget to take a moment to relax and soak in the breathtaking Arizona sunsets.

If you’re in the mood for adventure, Gilbert has got you covered. Arizona Frontiers tours will take you on a journey through the state’s most scenic areas, from Sedona to the Grand Canyon. And if you’re looking for some excitement closer to home, join in the celebration of Gilbert Days. This unique three-day event commemorates the paving of Gilbert Road through downtown, and includes a carnival, a 5k run, a rodeo, and a parade featuring Old Saint Nick himself.

It’s no wonder that people are flocking to Gilbert. The population here is growing faster than ever, and for good reason. Gilbert consistently ranks as one of the best places to live, with its top-notch public schools, affordable healthcare options, low crime rates, and sunny skies. The family-friendly neighborhoods and active community make it a place where residents feel truly at home.

Speaking of community, Gilbert hosts some incredible events that bring people together. SanTan Village’s hot air balloon display during the holiday season is a sight to behold, and admission is free for all to enjoy. And let’s not forget about the love for golf in Gilbert – with a wide selection of courses to choose from, residents here take their favorite recreational sport very seriously. Come and experience the warm and inviting community of Gilbert for yourself. With its scenic beauty, lively events, and welcoming atmosphere, it’s no wonder that Gilbert is considered one of the best places to live. So, what are you waiting for? Discover the charm of this incredible town and create lasting memories in Gilbert, Arizona.

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 Gilbert, AZ

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

Weather Risks in Gilbert, AZ

The North American Monsoon is a climatic event that brings significant seasonal rainfall to the Southwestern U.S., typically starting in July and lasting until September. It’s a dramatic shift from the normally arid conditions experienced in this region. This can cause other calamities including:
  • Flash Flooding
  • Lightning
  • High Winds

Haboobs are intense dust storms that are driven by strong winds, usually from a collapsing thunderstorm. These walls of dust can be several miles wide and several thousand feet tall. When a Haboob is hovering, you can expect:
  • Reduced Visibility
  • Respiratory Health Concerns
  • Dust Pollution

As a desert town, Gilbert regularly witnesses high temperatures, especially during summer. Temperatures exceeding 100°F are common, and sometimes they can even climb towards 120°F. With extreme heat, comes the following:
  • Health Risks like heat cramps, heat exhaustion and potentially fatal heatstroke.
  • Infrastructure Strain
  • Vehicle Concerns

Gilbert, AZ neighborhoods to Consider

  • Roosevelt Wcd / S Power Rd
  • Acacia / Adora Trails
  • Silver Creek
  • Valencia
  • Vista Dorada / San Tan Estates
  • Bridges At Gilbert
  • Lakeview Trails
  • Shamrock Estates
  • Country Shadows
  • Higley Estates / Highlands West

Property Crime Rates in Gilbert, AZ

Property Crime Rates in Gilbert, AZ

In Gilbert, the chances of becoming a victim of a property crime are 1 in 93. Compared to the state of Arizona as a whole, the chances of becoming a victim of a property crime in Gilbert are lower. In Arizona, the chances are 1 in 41.

The property crime rate in Gilbert is calculated based on the following data:

The total number of reported property crimes in Gilbert is 3,832.

To calculate the rate per 1,000, we divide the number of reported crimes by the population:

So when living in Gilbert, therefore, one has an above average chance of becoming a victim of a property crime. So be aware of your surroundings and keep your belongings safe!

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

Consider the Coverage Options

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in Detroit.

Seek Professional Advice

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

Policy Limits

Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.

Home Value

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

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 Gilbert, AZ

Finding the Best Mobile Home Insurance In Gilbert, AZ

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Gilbert’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 Gilbert:

As Gilbert, AZ, is prone to monsoons, dust storms, and flash floods; it's essential to have adequate coverage for these kinds of events in your mobile/manufactured or prefabricated home insurance policy1.

Ensures that your damaged property is replaced with new items at current market prices, regardless of their depreciated value.

Gilbert, AZ, sometimes has sudden heavy rains, flash floods, and water damage. Homeowners should consider getting flood insurance and water damage coverage for their mobile/manufactured or prefabricated home to protect against costly repairs in the event of such occurrences3.

Because Gilbert, AZ, is occasionally home to microbursts, heavy winds, and hailstorms, homeowners should purchase wind and hail damage coverage to protect their homes.

Gilbert 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 Gilbert 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 Gilbert. 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 Gilbert 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 Gilbert and the surrounding areas. Its important to confirm with your insurance provider whether or not flood damage is included in your policy.

A person living in a mobile or manufactured home in Gilbert, AZ, should consider purchasing liability coverage. This coverage provides protection if someone is injured on your property and covers legal fees in the event that the homeowner is sued.

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



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