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Protect Your Manufactured Home In Lake Havasu City, 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 Lake Havasu City, AZ: Costs, Coverage, and Considerations

Welcome to Lake Havasu City, AZ – a place that captures the hearts of both its residents and those looking for a new place to call home. A desert oasis sitting on the eastern shore of Lake Havasu along the Colorado River, is truly a hidden gem of the American Southwest.

Established in 1963 by Robert P. McCulloch, Sr. as a self-sufficient, planned community, Lake Havasu City is surrounded by majestic mountains and stunning desert landscapes, creating some of the most breathtaking natural views you'll ever witness. Perfectly situated on "Arizona's West Coast," this beautiful city is only a few hours away from Phoenix, Las Vegas, and Los Angeles.

The area attracts nearly a million visitors annually for outstanding biodiversity and its exceptional watersports, including fishing, skiing, kayaking, and house boating. Lake Havasu is rated as one of the top 100 best bass fishing lakes in America, attracting anglers from around the world. And that's not all! Lake Havasu City is famous for the original London Bridge, which was bought from London for $2,460,000, and is now one of the most visited attractions in the United States. This city is a boater's paradise, with over 300 days of sunshine and warm weather, and also perfect for nature lovers, who can explore the stunning desert landscape through hiking and biking or enjoy a picnic in one of the many parks. Lake Havasu City is a perfect holiday destination for couples, families, and singles alike, featuring golf courses, houseboats, beaches, and unique history.

For those who already call Lake Havasu City home, you know firsthand the unparalleled beauty that surrounds you. The city is renowned for its crystal-clear waters, making it a haven for water enthusiasts who enjoy boating, fishing, and kayaking. The shimmering lake, framed by majestic mountains, creates a picturesque backdrop that calms the soul and invigorates the spirit.

But Lake Havasu City is also a place that fosters a strong sense of community and belonging. With a diverse range of amenities, including excellent schools, healthcare facilities, and a variety of recreational opportunities, Lake Havasu City has something for everyone. From exploring the unique shops and restaurants of the charming downtown area to taking part in the year-round community events and festivals, there is always something exciting happening here.

So come and witness the natural beauty, friendly community and abundant sunshine that Lake Havasu City proudly offers!

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

Weather Risks:

Lake Havasu City, like many places, faces various weather risks. Understanding these risks can provide a clear picture of the city's environmental challenges.

  • Severity: Extreme heat risk. A day that reaches above 114ºF is considered hot.

  • Historical Data: Historically, 7 hot days per year. Now, approximately 92 days are expected to reach or exceed 100ºF. 30 years ago, the number of days above 100ºF was around 71.

  • Future Projections: 2050 projection is about 40 hot days per year.

  • Heatwave Likelihood:
    • 59% this year.
    • 87% likelihood in 30 years.

  • Implications: Heat causes more deaths per year than any other natural risk. Dangerous “feels like” temperature is 100ºF.
  • Severity: Major risk over the next 30 years.

  • Properties at Risk: 29,906 properties (75% of all properties in Lake Havasu City).

  • Implications: Damage to properties, loss of utilities, impact on emergency services, evacuation route impediments, and economic implications.
  • Flooding: Minor risk.

  • Severe Winds: Minimal risk.

  • Monsoon Season: Responsible for 40%-50% of Northern Arizona’s annual precipitation. Last year was unusually wet for Lake Havasu City.

In light of these findings, Lake Havasu City residents must remain vigilant and prepared for a variety of weather risks, especially heat and wildfires. Proper planning and community engagement can help mitigate potential threats.

Property Crime Rates:

Safety is an integral aspect of any community. Here, we review the property crime rates in Lake Havasu City in comparison to broader state and national trends.

Likelihood of Being a Victim:

Rate Comparison:

Specific Crime Numbers (Lake Havasu City):

While Lake Havasu City has an above-average property crime rate compared to other U.S. communities, understanding these figures is vital for informed decision-making and community safety initiatives.

Recommended Neighborhoods:

For those considering a move to or within Lake Havasu City, it's useful to know the most popular and rapidly developing neighborhoods.

Fastest Growing Neighborhoods

Good School Neighborhoods

With an array of growing neighborhoods, Lake Havasu City offers a diverse range of living experiences. Whether seeking the bustling energy of downtown or the quieter outskirts, the city has something for everyone.

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 your area.

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.

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.

Manufactured Home Insurance Coverage

CoverTree offers insurance coverage specifically designed for manufactured homes in Arizona. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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 Facts

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.

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:
(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 Lake Havasu City, AZ

Lake Havasu City, AZ, is home to an array of beautiful manufactured homes and communities. Whether you're seeking the perfect house design, a community with robust amenities, or an affordable lot rent, Lake Havasu City offers something for everyone.

Apex Manufactured Home Sales

Located at 2124 East Northern Avenue, Kingman.

Known for offering top-notch Schult Home Designs and customizable features, from professional kitchen layouts to spacious outdoor patios.


Visit Website

Housing Arizona


Offers a selection of top-quality factory-built homes tailored to fit diverse lifestyles and budgets.

Emphasizes safety and quality with homes that stand resilient even during severe weather.


Visit Website

Valley Manor Mobile Home Park

Situated at 4006 London Bridge Road Lot 1.

Boasts amenities like a swimming pool, playground, and laundry facilities. Pets are welcome, subject to weight restrictions.


Park Details

BeachComber Estates

A picturesque community located on the island in Lake Havasu City. Offers both Mobile Home and RV Park facilities and has a focus on ensuring a relaxing, memorable experience for families. Home sales facilitated through Apex Manufactured Home Sales.

Sunset Park Mobile Home Park

Located at 1510 Sunrise Drive. An age-restricted community (55+) with facilities like a clubhouse, swimming pool, and sidewalks. Offers affordable lot rents that include utilities like trash pickup, water, and sewer.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 Lake Havasu City

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

This coverage can help protect your personal
belongings inside the home, such as furniture, electronics, and clothing, against
covered perils.

This coverage protects the physical structure of your mobile home, including walls, roof, and attached structures, against damage from covered perils such as fire, windstorms, hail, and more.

Liability coverage helps protect you financially in case someone is
accidentally injured while on your property, such as a guest or visitor. Liability insurance
can cover medical expenses, legal fees, and damages awarded in a lawsuit.

Depending on your specific needs and preferences, you may also want to consider additional coverage such as earthquake insurance, replacement cost coverage for personal belongings, and coverage for detached structures like sheds or garages.

This insurance is essential for protecting the mobile home or RV park community against liability claims and lawsuits. It can cover personal injuries, property damage and medical expenses resulting from accidents on the property.

This commercial coverage provides protection against financial loss resulting from a temporary shut-down from a covered peril such as a fire, severe weather event, or natural disasters

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 Lake Havasu City, AZ, and can tailor a policy that meets your unique requirements. For mobile home conditions in Lake Havasu City, click here!

 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 Lake Havasu City AZ, don't hesitate to get a CoverTree quote now.

References:

 

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