Covertree’s Comprehensive Guide!
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.
Holbrook, like much of Arizona, is susceptible to periods of extreme heat, especially during the summer months. For mobile homeowners:
High winds and dust storms, or haboobs, are not uncommon occurrences in Arizona:
While Arizona is known for its heat, many parts, including Holbrook, can experience freezing temperatures in the winter:
77 per one thousand residents, making Holbrook one of the communities with the highest crime rates in America, irrespective of community size.
1 in 13.
Rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault (including assault with a deadly weapon).
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.
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.
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.
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.
Address: 1576 Roadrunner Road, Holbrook, AZ 86025-2143
Description: Proud of its Good Sam rating of 7/9*/8, OK RV Park is a pet-friendly and family-friendly gateway to adventure. Positioned conveniently close to the Painted Desert and Petrified Forest National Park, it's a perfect base for explorations.
Address: 522 East Iowa Street, Holbrook, AZ 86025 Community Type: All ages Features: Pets Allowed (large breed restrictions apply) Off-Street Parking Paved streets with average width Total Sites: 28 (Homes with Peaked Roofs: 50%, Homes with Lap Siding: 25%, RV Sites: 10%) Distance to water: 1.9 miles
Address: 201 East Iowa Street, Holbrook, AZ 86025
Community Type: All ages
Features:
Off-Street Parking
Paved streets with average width
Total Sites: 16
Distance to water: 2.2 miles
Location: Holbrook, Arizona
Services: Working in association with Resort Homes, Westgate Homes liaises directly with factories to deliver and set up homes in Holbrook. They specialize in serving all of Arizona and deal with Manufactured Homes and Park Model RVs built by Cavco. Those interested are encouraged to contact them to discuss their plans.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In 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.
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 operates in CA as MHTree Insurance Services
CA license # 6009070
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.
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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