Covertree’s Comprehensive Guide
Powered by
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.
During the summer months, areas in Maricopa County, including Guadalupe, experience soaring temperatures, which can pose a significant hazard.
Implications and Mitigation Measures:
The monsoon season, which spans from June 15 to September 15, introduces the risk of flash floods and severe storms.
Implications and Mitigation Measures:
Dust storms are a frequent occurrence in this desert region, and they can be extreme.
Implications and Mitigation Measures:
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.
Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.
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.
Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.
Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.
Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.
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: 530 S Alma School Rd, Mesa, AZ 85210
Description: Alma Gardens Mobile Home Park is a cozy age 55+ community in Mesa, Arizona. It offers both privately owned mobile home units and rental homes. The community features various amenities, including an outdoor pool, shuffleboard, library, billiards room, clubhouse, laundry facility, and a pet-friendly community lawn. It's conveniently located near shopping and dining options, with easy access to the AZ state 202 Highway.
Pricing and Qualifications: For mobile homes, the lot rent is $650, and there are qualifications such as a minimum income of 3 times the rent, a 620+ FICO score, no prior evictions, and a good rental history. RV rates vary based on daily, weekly, or monthly stays, with applicable taxes and fees.
RV Reservation Cancellation Policy: Cancellation policies for RV reservations are provided, with different refund options based on the notice period.
Location: 2249 West Main Street #30, Mesa, AZ 85201
Description: Cibola Mobile Home Park is an all-ages community in Mesa, Arizona. It offers vacant sites for both mobile homes and RVs. The community is pet-friendly with no dangerous breed restrictions. It features off-street parking, sidewalks, and recreational facilities.
Available Units: There are vacant sites available for both mobile homes and RVs.
Location: 2727 East University Drive, Tempe, AZ 85288
Description: Sage Point is an exclusive 55+ active lifestyle community located in Tempe, Arizona. It offers new and pre-owned manufactured homes and a range of amenities, including a clubhouse, swimming pool, billiards, shuffleboard, and outdoor grilling & picnic area. The community hosts special events and activities for residents.
Site Leasing Specials: There are leasing specials for new home purchases, including 3 months of free lot rent, a new washer and dryer, and a big-screen TV.
Contact: You can inquire about this community for more information and availability.
Finding the Best Mobile Home Insurance In Guadalupe
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.
Copyright © 2022 CoverTree Inc. All rights reserved
Any questions?
+1 (877) 417-8733
Call us at (877) 417-8733 or submit your information below
A CoverTree team member will be in touch within an hour
Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.
If we still can’t find it, please give us a call at (877) 417-8733 or email us at team@covertree.com.