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Protect Your Manufactured Home in Glendale, 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 Glendale,AZ: Costs, Coverage, and Considerations

Welcome to Glendale, AZ - A Vibrant and Welcoming Community Are you ready to embark on an unforgettable experience in the vibrant city of Glendale, AZ? Situated in the heart of the metropolitan area and surrounded by natural beauty, Glendale offers extraordinary opportunities for everyone to prosper, connect, and experience all that is remarkable about our community.

With a rich history dating back to its incorporation in 1910, Glendale is a city that blends the old and the new. Step into the past at Sahuaro Ranch Park, a historic attraction that highlights the city's heritage. And then fast forward to the state-of-the-art entertainment facilities like the State Farm Stadium, which has been the proud host of the NFL's Arizona Cardinals and Super Bowls throughout the years.

But Glendale isn't just about history and entertainment. It is a diverse city with a range of offerings. From natural preserves like Thunderbird Conservation Park to high-tech manufacturers like Conair and Honeywell Aerospace, there's something for everyone. Medical school Midwestern University, the only veterinary school in Arizona, and Luke Air Force Base further contribute to the city's dynamic nature.

You won't want to miss the Westgate Entertainment District, Arizona's premier destination for entertainment. Dive into a vibrant outdoor setting with unique water features and indulge in a shopping, dining, and entertainment experience like no other. And just nearby, the Desert Diamond Arena hosts numerous concerts and events throughout the year. Glendale is not only about attractions and entertainment; it's a community of people who make it the place to live, work, and play. With over 250,784 residents and nearly 2000 employees, the city is dedicated to improving the lives of the people within the community.

Whether you're a history buff, a professional sports fan, a resident, a business owner, a visitor, or a city employee, Glendale is here to show you that "You Belong Here." From the finest sports and entertainment district to renowned shopping areas, Glendale offers fun and excitement on a large scale. Immerse yourself in the city's rich history in the historic downtown and antique shops or soak up the sun on the hiking trails and experience the beauty of the desert. Get ready to create unforgettable memories and be part of a community that values and welcomes you, in a community where "You Belong Here!"

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 Glendale, 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 Glendale, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Glendale, AZ

A microburst is a sudden, powerful, and localized air current that descends beneath a thunderstorm and hits the ground, fanning out in all directions. These intense downdrafts can be particularly destructive and are often mistaken for tornadoes because of the damage they can inflict. 

Wind speeds in a microburst can reach up to 100 mph or even higher in extreme cases, which can damage buildings, uproot trees, and topple power lines. Microbursts are notorious for the risks they pose to aircraft, especially during takeoff or landing. The rapid change in wind speed and direction can be disastrous for planes. If the microburst occurs during heavy rainfall, the intense downdraft can exacerbate localized flooding.

While many regions expect cold during winter, a sudden and severe drop in temperatures that deviates from the norm is termed a cold snap. These can last for several days and can be particularly hazardous in areas, like Glendale, that are unprepared for such cold. Cold snaps can cause a strain on local infrastructure and services. Pipes can freeze and burst, causing significant water damage, while roads can become icy and treacherous.There are also health risks in these situations like hypothermia and frostbite. There also generally is an increase in energy demand. 

Hailstorms occur when updrafts in thunderstorms carry raindrops into extremely cold areas of the atmosphere, where they freeze into balls of ice. These balls of ice can range from the size of small peas to the size of golf balls or even larger. They can cause vehicle damage as well as damage to mobile homes, as structures exposed to hail can experience dents, broken windows, or other types of damage. You also risk:

  • Roof and Siding Damage
  • Crop Destruction
  • Injury Risk

When considering insurance or protective measures for a property, it’s essential to be aware of all potential weather-related risks in the area. Preparing for even infrequent events can prevent significant damages and losses.

Glendale, AZ neighborhoods to Consider

Property Crime Rates

With a crime rate of 35 per one thousand residents, Glendale has one of the highest crime rates in America compared to all communities of all sizes - from the smallest towns to the very largest cities.

Overall Crime Rate: 35 per 1,000 residents

Comparison within Arizona:

Comparison with Similar Population Communities:

Property Crimes:

Motor Vehicle Theft:

According to FBI data analyses, motor vehicle theft rates in Glendale stand out as among the highest in the U.S., encompassing communities of all sizes. Residents in Glendale face a distinct risk in this regard, so be warned!

Premium Costs

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

Coverage for Relocation

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.

Stability of the Insurance Company

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

Age and Condition of the Home

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Coverage for Personal Belongings

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.

Regular Policy Review

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.

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 law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

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 Glendale, AZ

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

Clayton Homes of Glendale

Clayton Homes of Glendale is more than just a housing dealer; they're a partner in your journey towards owning the perfect home. They truly understand that a house is not just bricks and walls – it's where memories are made, families grow, and dreams are realized.

Glendale West

Glendale West is not just a community; it's a lifestyle hub nestled in the heart of Glendale. Its prime location gives residents a unique blend of urban convenience and community charm. Just a stone's throw away from premium shopping destinations, the Loop 101, and the iconic University of Phoenix Stadium, you're always close to where the action is. Yet, within the boundaries of Glendale West, a world of leisure, comfort, and camaraderie unfolds. Our range of top-notch amenities ensures there's something for everyone: Swimming Pool, Playground, Clubhouse, Storage Sheds, Picnic Area, Basketball Courts, RV and/or Boat Storage, Keyed Mailboxes & a Dog Park. Beyond the physical amenities, what truly sets Glendale West apart is the sense of community. They believe in fostering connections and building a neighborhood that cares. They have regular resident events and planned activities that are designed to bring everyone together, forging friendships and creating lasting memories.

Palm Shadows

Located amidst the picturesque backdrop of the White Tank Mountains and the Superstition Mountain, Palm Shadows emerges as a premier 55+ retirement mobile home community in Glendale, AZ. This haven embodies the epitome of the Arizonian lifestyle. Drenched in the warmth of the desert sun, Palm Shadows does more than just offer a place to reside. It offers a vibrant community setting where residents can easily connect, engage, and relish the best years of their life. Frequent community-organized activities ensure there's always something exciting on the horizon. The expansive clubhouse becomes the focal point for gatherings, cementing friendships and fostering camaraderie.

Blue Sky

Blue Sky Mobile Home Park, situated in historic Glendale, Arizona, offers a 55+ gated community experience, blending the charm of a hometown with modern amenities. Residents enjoy large lots, a heated pool, jacuzzi, community center, and an array of activities, all with the backdrop of 300+ sun-soaked days. Its prime location provides easy access to golf courses, parks, shopping centers, and more, ensuring a vibrant lifestyle.

Royal Glen Mobile Home Park

Royal Glen Mobile Home Park in Glendale, Arizona is a pet-friendly community offering both mobile homes for sale and rent, as well as full-hookup RV spaces. As a MAR community, it streamlines the home acquisition process, and features amenities like a gated pool, clubhouse, and laundry facilities. Perfectly situated in Glendale's bustling center, residents have easy access to the city's top shops and restaurants, making it suitable for individuals and families of all ages.

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 Glendale

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

Glendale, AZ is prone to monsoon
storms in the summer months, which can bring strong winds, hail, and heavy rain.
Mobile homes can be particularly vulnerable to these types of weather events, so it's
important to ensure that you have adequate coverage for damage caused by these

Like most of Arizona, Glendale can experience
very hot temperatures during the summer months. This can lead to damage of the
home's roof, siding, and other exterior components. Coverage for heat-related damage
can help protect homeowners against these types of risks.

Glendale, AZ is located in a flood-prone area, and mobile
homes are particularly susceptible to flood damage. Homeowners should ensure that
their policy includes coverage for flood damage to their mobile home. It's worth noting
that flood coverage is not typically included in standard home insurance policies, and
may need to be added as a separate policy.

Mobile homes are often located in mobile home parks or
communities, which may have specific liability risks. A homeowner should ensure that
they have liability coverage in their home insurance policy, which can help protect them
against legal and medical expenses if someone is injured on their property.

Because Glendale, 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.

A mobile or manufactured home
insurance policy in Glendale 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 Glendale, 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 Glendale,
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

Now that you've got the lowdown on mobile home insurance coverage in Glendale, AZ, don't hesitate to get a CoverTree quote now.

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