Insurance guides
Protect Your Manufactured Home in Globe, 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 Globe, AZ: Costs, Coverage, and Considerations
Welcome to Globe, Arizona – a historic mining town wrapped with rich cultural tapestries!
Nestled in the heart of Arizona, Globe stands as a testament to the state’s rich mining history, indigenous culture, and the enduring spirit of the American West. With its rustic charm, this historic town offers visitors a journey through time while showcasing the stunning landscapes of the Tonto National Forest.
Founded in the 1870s with the discovery of silver, Globe soon became the epicenter of Arizona’s mining boom. While silver was the initial allure, copper became the dominant force driving Globe’s prosperity. The town’s streets tell tales of boom and bust cycles, from the thriving days of the Old Dominion Mine to its subsequent closure, which shaped the city’s character and resilience.
Globe’s historic downtown is an evocative trip back in time. The Gila County Historical Museum, housed in the old mine rescue station, offers a glimpse into the town’s vibrant past. The artifacts and exhibits tell stories of the miners, settlers, and Native American tribes that have shaped the region. Close by, the Besh Ba Gowah Archaeological Park stands as a testament to the area’s ancient Salado culture. This restored village offers an immersive experience, letting visitors explore the ruins, artifacts, and botanical gardens that paint a picture of life here almost a thousand years ago.
Nature, too, has generously endowed Globe with its beauty. The Tonto National Forest envelops the town, presenting a vast expanse of pine forests, rugged mountain terrains, and sparkling water bodies. Adventurers can find numerous trails for hiking, camping spots, and scenic drives that unveil Arizona’s diverse landscapes. The Salt River, which winds its way near Globe, is a hotspot for white-water rafting and fishing, providing both thrills and serene moments by the water.
Cultural enthusiasts will be delighted by Globe’s thriving arts scene. The Cobre Valley Center for the Arts, housed in a restored courthouse, is a hub for artistic expression, from theater performances to art exhibitions. Local artists often draw inspiration from the town’s rich history and natural beauty, creating pieces that resonate with the spirit of Globe.
Annual events further amplify the town’s community spirit. The Globe Miami Studio Tour showcases the talents of local artists, allowing visitors to explore studios, interact with creators, and even purchase unique art pieces. Meanwhile, the Apache Jii Day celebrates the region’s Native American heritage with dance performances, crafts, and traditional foods.
Yet, perhaps the most enduring image of Globe is its tight-knit community. Despite the challenges thrown by time – from mining closures to economic downturns – the people of Globe have consistently rallied together, ensuring their town remains vibrant and forward-looking.
In the grand tapestry of Arizona, Globe is a shining thread. It offers a blend of history, culture, and natural beauty, making it a must-visit for those looking to experience the soul of the American Southwest. Whether you’re drawn by its tales of yesteryears, its cultural celebrations, or the call of the wild, Globe welcomes you with open arms and countless stories waiting to be discovered.
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:
Home Value
The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
Age and Condition
Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
Location
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.
Home Features
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.
Safety Features
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.
Coverage Amount
The more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
Deductible
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.
Claims History
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.
Personal Factors
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.
Policy Add-ons
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.
Community/Neighborhood Features
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.
Length of Occupancy
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.
Rental or Owner-Occupied
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.
Type of Construction
The materials and quality of construction can influence how resistant a home is to certain types of damage.
Insurance Score
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 Globe, 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 Globe, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Weather Risks in Globe, AZ
Heat and Extreme Temperatures
- Risk Overview: Globe faces a significant heat risk due to increasing “feels like” temperatures. Dangerously hot conditions are expected with afternoon temperatures reaching up to 109 degrees, and 99% of homes in Globe have a Major Heat Factor®.
- Implications for Mobile/Manufactured Home and RV Owners/Renters:
- Increased Energy Costs: Cooling systems in mobile homes and RVs will work overtime, leading to higher energy consumption and bills.
- Safety Concerns: These homes typically lack the insulation and efficient cooling systems found in traditional homes. It can result in unsafe indoor temperatures.
- Material Wear & Tear: Extreme heat can deteriorate the materials of mobile/manufactured homes and RVs more quickly.
Seismic and Natural Disasters
- Risk Overview: Globe has an earthquake index of 0.17, indicating the region’s susceptibility to seismic events. In addition to earthquakes, other risks like tornadoes are prevalent, with a tornado index of 8.63 for Globe.
- Implications for Mobile/Manufactured Home and RV Owners/Renters:
- Structural Vulnerability: Unlike traditional homes built on foundations, mobile homes and RVs might not fare as well during seismic events or strong wind conditions.
- Safety Measures: Owners may need to invest in safety measures like tie-downs to secure their homes during potential seismic activities or tornadoes.
- Relocation Concerns: RV owners might need to move their vehicles to safer locations during alerts, increasing inconvenience and potential costs.
Weather Extremes & Natural Events
- Damage & Repairs: Mobile/manufactured homes and RVs can sustain significant damage from hail or floodwaters, often requiring costly repairs.
- Location Vulnerability: The locations where these homes are placed might be more susceptible to flooding. RV owners, in particular, need to be aware of their surroundings and be prepared to move if necessary.
- Insurance Needs: Given the increased risks, owners and renters may need to consider comprehensive insurance policies to protect their assets from these diverse weather threats.
Recommended Attractions in/around Globe, AZ
- Salt River Canyon Scenic Drive
- Besh Ba Gowah Park
- Seneca Lake
- Old Dominion Historic Mine Park
- Round Mountain Park
- Historic District of Globe
- Gila County Historical Museum
- Historic Gila County Sheriff’s Office and Jail
- Cobre Valley Center for the Arts
- Haunted Historians
Property Crime Rates in Globe, AZ
Here's an in-depth breakdown of the crime scenario in Globe, Arizona
Property Crime Rates in Globe, AZ
Overall Crime
- Globe, with a rate of 117 crimes per 1,000 residents, stands out as having one of the highest crime rates in the U.S., irrespective of community size. Residents of Globe face a 1 in 9 chance of becoming a victim of a crime, which is alarmingly high.
Statewide Comparison
- Within the boundaries of Arizona, Globe’s crime statistics are notably high. It surpasses more than 99% of other Arizona communities in terms of its crime rate.
Comparison with Similar-sized Communities
- When juxtaposed against other communities that have a similar population (Globe has 7,162 residents), the city’s crime rate remains worrisomely high. Even when community size factors are accounted for, Globe still remains an outlier in terms of its crime rate.
Violent Crime Insights:
- Globe’s violent crime statistics are especially concerning. It is rated among the highest in the country, taking into account communities of every size. The violent crimes evaluated for this analysis include serious offenses such as rape, murder, armed robbery, and aggravated assault. A resident of Globe faces a 1 in 24 chance of becoming a victim of such crimes, which is exceedingly high.
Property Crime Insights:
- Property crimes also contribute significantly to Globe’s overall crime rate. These crimes encompass burglary, larceny of values over fifty dollars, motor vehicle theft, and instances of arson. In Globe, the probability of being a victim of property crime stands at 1 in 13, translating to a rate of 75 property crimes per 1,000 residents.
Globe presents a significant challenge when it comes to ensuring public safety. Both its violent and property crime rates are alarmingly high, not only in comparison to its statewide counterparts but also when evaluated against communities of similar population sizes across the U.S. It would be crucial for local law enforcement agencies, community leaders, and residents to collaborate and strategize to curtail the escalating crime rate in Globe and enhance the overall safety and well-being of its residents.
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Are you in Globe, AZ, looking for mobile home insurance
Check Availability of all Applicable Discounts
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
Review the Claims Process
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
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.
Manufactured Home-Specific Coverage
When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.
Location Considerations
Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.
Deductibles and Premiums
Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.
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
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.
Title Issuance for Mobile Homes by MVD
- 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.
Applying for a Mobile Home Title
To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.
Affidavit of Affixture
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).
Buying a Used Mobile Home
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 https://www.dfbls.az.gov/lta/relocation.aspx). If you are a mobile home park tenant, you may have access to money from the Mobile
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:
- AZ Lanlord/Tenant Bill
- Mobile Home Park Evictions
- Arizona Revised Statutes Title 33. Property § 33-1452 | FindLaw
- Arizona’s Recreational Vehicle Long Term Space Act
- RV and Motorhome Laws: My Rights – My Arizona Lemon Law Rights
- Can You Legally Live In an RV On Your Own Property?
- RV Bill
- Arizona Manufactured Homes Moving – Regulations
- Arizona Mobile Home Landlord & Tenant Act Information and Relocation Fund
- ARIZONA Taxable Personal Property | Lincoln Institute of Land Policy
- Mobile Home Parks Residential Landlord and Tenant Act
- 2020 Arizona Revised Statutes Title 33 – Property § 33-1409 General definitions
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.
Common Policy Riders for Mobile Home Insurance in Arizona
- 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 in Arizona Homeowners Insurance
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.
Coverage Exclusions in a Mobile Home Policy in Arizona
- 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 Globe
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Globe’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!
Mobile Home Roof Coating Coverage
- Reasoning: To protect against the sun and heat, roof coatings are common. This endorsement provides coverage for roof coating application and re-application for your mobile home.
RV Off-Road Exploration Liability Coverage
- Reasoning: If you take your RV off-road for exploration in the rugged terrain around Globe, this coverage offers liability protection for accidents or injuries that might occur during off-road excursions.
Mobile Home Historical Restoration Coverage
- Reasoning: Globe has historical properties. If your mobile home is historical, this coverage offers protection for the costs associated with restoring historical features.
Mobile Home Earthquake Retrofitting Coverage
- Reasoning: Arizona is in an earthquake-prone region. This endorsement provides coverage for retrofitting your mobile home to withstand earthquakes.
RV Off-Grid Solar Power System Coverage
- Reasoning: Many RVs use off-grid solar power systems. This coverage addresses damages to or repair of solar power systems on your RV.
RV Mine Exploration Liability Coverage
- Reasoning: Globe is known for its mines. If you use your RV for mine exploration or tours, this endorsement provides liability protection for accidents or injuries that might occur during these activities.
What Additional Services can you get covered?
- 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