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

A Guide to Mobile Home Insurance in Holbrook, AZ: Costs, Coverage, and Considerations

Welcome to Holbrook, AZ – a place that gracefully blends the charm of a small-town community with the endless possibilities of a vibrant destination. Situated on the banks of the Little Colorado River in the heart of northeastern Arizona’s high plateau country, steeped in history and surrounded by breathtaking scenery, Holbrook captivates visitors with its unique charm and captivating landscapes.

In the late 19th century, the arrival of the railroad forever changed the destiny of this community. Named in honor of the railroad’s chief engineer, Holbrook became a transportation hub and service center for northeastern Arizona. Today, the town stands proudly on historic Route 66, drawing travelers from all over the world. As the gateway city to the renowned Petrified Forest National Park, Holbrook offers a captivating blend of vibrant history and natural wonders.

Holbrook’s economy thrives on tourism, thanks to its strategic location on Route 66 and Interstate 40, which connects the Apache Sitgreaves National Forest to the Navajo and Hopi Native American Reservations. Visitors can immerse themselves in the rich Navajo and Hopi cultures, witnessing ceremonial dances, tribal events, and exquisite arts and crafts. The Hidden Cove Petroglyph Park showcases prehistoric cliff dwellings, adding to the region’s allure.

Nature enthusiasts will find solace in the surrounding landscapes. The Petrified Forest National Park, renowned for its mesmerizing painted desert and ancient fossilized tree trunks, is a testament to the area’s geological wonders. The northern plateau country, with its rugged canyons and hidden coves, invites explorers to delve into an ancient past.

Holbrook’s vibrant community offers a wealth of facilities and amenities. From museums and community centers to parks and sports facilities, there is something for everyone. The town even boasts a unique feature – the Wigwam Village, where concrete and steel teepees take visitors back in time to the heyday of mid-century Route 66. Downtown Holbrook enchants with its well-preserved historical sites. Take a self-guided walking tour starting at the courthouse visitor center and discover the captivating stories behind landmarks like the Bucket of Blood Saloon and the Blevins House, witness to a dramatic shootout between gangsters and the sheriff.

No matter where you turn in Holbrook, you’ll be surrounded by the serene beauty of the Painted Desert. With its spectacular rock formations and ever-changing hues, this natural wonder stretches from the Grand Canyon to the Navajo Nation, painting a mesmerizing backdrop to the town’s enchanting atmosphere. So come and experience the magic of Holbrook, where historic Route 66 meets an extraordinary national park, and the spirit of the Wild West lives on in every corner. Get your kicks and create unforgettable memories in this captivating Northern Arizona gem.

Understanding Mobile Home Insurance in Arizona

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.

The 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 Holbrook, AZ

Choosing the Right Mobile Home Insurance for Holbrook, 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 Holbrook, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Holbrook, AZ

Holbrook, like much of Arizona, is susceptible to periods of extreme heat, especially during the summer months. For mobile homeowners:

  • Temperature Increase: Mobile homes often lack the insulation found in traditional homes. This can lead to rapid temperature increases inside the unit during hot days, making it uncomfortable and potentially hazardous for occupants.

  • Air Conditioning: Due to the rapid temperature rise, an efficient and regularly maintained air conditioning system is crucial. It’s also important to have backup cooling methods in case of AC failures.

  • Water Supply: In extreme heat, staying hydrated becomes vital. Keeping a supply of water on hand, especially during heat alerts, can be life-saving.

  • Safety Measures: Heat can lead to various health issues, from heat cramps to heat strokes. It’s essential to recognize the symptoms of heat-related illnesses and to have a plan in place, like a nearby cooling shelter or a neighbor to check in with.

High winds and dust storms, or haboobs, are not uncommon occurrences in Arizona:

  • Structural Integrity: High winds can pose a significant risk to mobile homes, particularly if they’re not anchored securely. Regular checks and maintenance to ensure that the home is well-anchored and devoid of structural vulnerabilities are crucial.

  • Visibility Concerns: Dust storms can dramatically reduce visibility, making travel hazardous. It’s recommended to stay indoors during a dust storm to avoid accidents.
  • Home Sealing: Properly sealing a mobile home can prevent dust and debris from entering the living space, which can be beneficial for respiratory health and general cleanliness.

  • Emergency Kit: Due to the sudden nature of dust storms, having an emergency kit with essentials like water, a flashlight, a battery-operated radio, and masks can be beneficial.

While Arizona is known for its heat, many parts, including Holbrook, can experience freezing temperatures in the winter:

  • Insulation: Proper insulation is crucial to maintain warmth inside a mobile home. Ensuring that walls, floors, and especially pipes are well-insulated can prevent heat loss and frozen pipes.

  • Heating Systems: Reliable heating is vital during cold spells. Regularly maintain heating systems, and consider having backup heating methods, like space heaters (used safely) or heated blankets.

  • Pipe Precautions: Frozen pipes can burst, leading to significant water damage. During cold nights, it might be beneficial to let faucets drip slightly to prevent freezing. If temperatures are expected to drop significantly, consider adding pipe insulation or heat tape.

  • Emergency Supplies: In case of prolonged cold spells, ensure you have warm clothing, blankets, and possibly some stored food and water, especially if roads become impassable due to ice or snow.

Violent Crime in Holbrook, AZ

In Holbrook, the chance of becoming a victim of violent crime is 1 in 79, among the highest rates in the nation.

  • Overall Crime Rate

77 per one thousand residents, making Holbrook one of the communities with the highest crime rates in America, irrespective of community size.

  • Chance of Being a Victim

1 in 13.

  • Ranking Within Arizona

Compared to other places of similar population size, Holbrook has a very high combined rate of violent and property crime.

  • Violent Crime Rate

Compared to other places of similar population size, Holbrook has a very high combined rate of violent and property crime.

  • Types of Violent Crimes Tracked

Rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault (including assault with a deadly weapon).

  • Chance of Becoming a Victim of Violent Crime

1 in 79.

Property Crime in Holbrook

Property Crime in Holbrook

Residents of Holbrook face a 1 in 15 chance of falling victim to property crime, with particularly elevated rates of motor vehicle theft.

Major Contributor :

  • A significant portion of the overall crime in Holbrook is property crime.

Types of Property Crimes Tracked :

  • Burglary, larceny over fifty dollars, motor vehicle theft, and arson.

Chance of Becoming a Victim of Property Crime :

  • 1 in 15.

Property Crime Rate :

  • 65 per one thousand population.

Motor Vehicle Theft Rate :

  • Holbrook has one of the highest rates of motor vehicle theft in the nation, across all community sizes.

Chance of Having Your Car Stolen :

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Are you in Holbrook, AZ, looking for mobile home insurance

Exclusions and Limitations

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.

Inflation Protection

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.

Cancellation Policy

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.

Potential Rate Increases

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Group Discounts

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

Underwriting Process

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing 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.

Arizona Mobile Home Facts

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.

  • 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.

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 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:

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 the Best Mobile Home Insurance In Holbrook, AZ

Finding the Best Mobile Home Insurance In Holbrook, AZ

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

This coverage helps pay for temporary living expenses if your home becomes unlivable due to a covered event, such as a fire or severe storm. This may include expenses such as hotel costs, meals, and transportation.

For RV owners in Paradise Valley, AZ, it is important to have insurance coverage specifically tailored to your vehicle. RV insurance can provide coverage for liability, collision, comprehensive, and uninsured/underinsured motorist, as well as personal effects, emergency expenses, and roadside assistance.

If your RV is totaled within a specified number of years (typically up to five years), this coverage helps replace it with a brand new RV of similar kind and quality, rather than providing actual cash value.

Due to the risk of high winds and hail storms in Arizona, including Paradise Valley, it is important to have coverage for damage caused by these weather events. This coverage helps protect your home’s exterior, roof, and other structures on your property.

If you are unable to live in your mobile home or RV due to a covered loss (such as fire or storm damage) , this coverage can help pay for temporary housing and other related expenses while your home is being repaired or replaced.

Mobile homes can be targets for theft and vandalism, so having coverage to protect against these risks is essential. This coverage can help cover the cost of repairing or replacing stolen or damaged property.

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 Holbrook, 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



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