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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

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

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 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

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
  • Property Damage

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

Property Crime Rates

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!

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.

Did You Know?

Arizona statutes require a 30-day notice for any change in mobile home and RV insurance policies.

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 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 Gilbert, AZ

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

Clayton Homes of Gilbert

Located in Gilbert, Clayton Homes offers a variety of mobile and manufactured homes. They have a wide range of floor plans and customization options.

Cavco Home Center

Cavco is a well-known manufacturer and dealer of mobile and manufactured homes. They have a home center in neighboring Mesa, AZ, where you can explore different models and designs.

Southern Palms Mobile Home Park

Welcome to Southern Palms Mobile Home and RV Park, a gem located in the heart of Mesa, Arizona. Welcoming individuals and families of all ages, this pet-friendly community boasts a selection of mobile homes for sale and rent, as well as offering full-hookup RV spaces. As a member of the MAR community, Southern Palms has streamlined the home buying and renting process with the MAR online sales and leasing platform, ensuring a swift and seamless transition to your new dwelling.

Alma Meadows

Welcome to this manufactured housing community, conveniently situated on Alma School Road in West Mesa, Arizona, right in the heart of the vibrant Fiesta District. This strategic location not only boasts of a neighborhood charm but also offers a quick and easy commute. A brief bus ride takes you directly to the light rail station on Alma School Road, unlocking a world of entertainment, dining, and leisure activities. Dive into the diverse culinary scene of Downtown Tempe or explore the eclectic mix of establishments rejuvenating Downtown Mesa. But there's more to life there than just its proximity to local attractions. Within our community, residents are treated to a suite of top-tier amenities designed for both relaxation and recreation. Beat the Arizona heat with a refreshing dip in a heated pool, or soothe those muscles in the luxurious spa. Central to the community is a beautifully landscaped park area, perfect for picnics or leisurely strolls.

Mobile Home Friend

Started by a father/son duo, this LLC aims at helping people find everything they need related to mobile/manufactured homes. Their years of combined experience and friendly natures allow them to help countless people find their next affordable home!

Treehouse Communites

Treehouse Communities is not just a place to live; it's a place to thrive. At every corner of their properties, you will discover the true essence of community living, where residents come together in harmony and spirit. Each of their destinations is meticulously crafted to blend with its unique surroundings, ensuring that you're not just residing, but truly living in a space that resonates with charm and serenity.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 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.

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.

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.

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.

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.

While not common, flooding can occur in Florence
and the surrounding areas. It's important to confirm with your insurance provider
whether or not flood damage is included in your policy.

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 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.

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

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 Gilbert, 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 Gilbert,
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 Gilbert, AZ, don't hesitate to get a CoverTree quote now.

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