Covertree’s Comprehensive Guide
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The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
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.
The desert climate of Goodyear experiences intense monsoons between June 15 and September 15. These storms can bring heavy downpours in a short amount of time, transforming dry washes into raging torrents and causing street flooding. Occasionally, severe storms can produce tornado-like funnel clouds.
Implications for Mobile Homes & RVs:
Dust storms, commonly referred to as “haboobs” in the Southwest, can emerge rapidly. These storms are characterized by strong winds that pick up and carry a significant amount of dust, severely reducing visibility and lasting for periods ranging from minutes to hours.
Implications for Mobile Homes & RVs:
Goodyear’s desert environment experiences scorching temperatures, especially in the summer months. It’s not uncommon for temperatures to soar well above 100 degrees Fahrenheit, creating conditions conducive to heat-related illnesses.
Implications for Mobile Homes & RVs:
For each of these weather risks, it’s vital for mobile/manufactured home and RV owners/renters to be prepared. Investing in proper insulation, ensuring homes are anchored or parked in safe locations, and staying informed about local weather forecasts can help mitigate potential hazards.
If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.
Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.
Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.
While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
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.
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.
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:
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.
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.
Location: 300 West Lower Buckeye Road, Avondale, AZ 85323
Description: Palm Vista is an all-ages manufactured home community in Avondale, Arizona. It offers various home options designed to suit your individual needs. The community features a family-friendly environment and resort-style amenities. You can enjoy living in a thriving metropolis surrounded by a picturesque landscape, all at an affordable price. Pet owners are allowed with a restriction of 2 pets per household, with no large dogs.
Available Units: There are currently 5 homes for sale in this community.
Contact: William Walsh is the contact person, and there is on-site staff available to assist you.
Location: 17506 West Van Buren, Goodyear, AZ 85338
Description: Cotton Lane Resort is an age-restricted (55+) community located in Goodyear, Arizona. It features a clubhouse, swimming pool, and recreational facilities. Pet owners are allowed with a weight restriction of up to 40 pounds. The community consists of 438 sites with a mix of multisection homes, homes with peaked roofs, homes with lap siding, and RV sites.
Available Units: There is currently 1 home for sale in this community.
Contact: You can schedule a tour to learn more about this community.
Location: 416 North Citrus Road, Goodyear, AZ 85338
Description: Destiny Phoenix West is an age-restricted (55+) community situated in Goodyear, Arizona. It offers a clubhouse, swimming pool, and various recreational facilities. Pet policies require community approval. The community includes 284 sites, all featuring homes with peaked roofs and lap siding. Additionally, there are RV sites available.
Contact: You can contact the community for more information or to schedule a visit.
Finding the Best Mobile Home Insurance In Goodyear
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
References:
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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