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.
Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.
Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.
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: 13377 North Sandario Road, Marana, AZ 85653
Description: Valley of the Sun Mobile Home / RV Resort is an age-restricted (55+) community located in Marana, Arizona. This community offers a range of amenities, including a clubhouse, swimming pool, whirlpool, horseshoes, bocce ball, shuffleboard courts, billiard room, library, and laundry facilities. It has a narrow street width and is pet-friendly with restrictions. There is one vacant site available, and it was built in 1985.
Community Features: The community consists of 120 sites, with 50% of them accommodating multi-section homes. Approximately 50% of the homes have peaked roofs, and 75% have lap siding.
Location: 2305 W Ruthrauff Road, Tucson, AZ 85705
Description: Villa Capri Mobile Home Park is a showcase community located in Tucson, Arizona. It is an age-restricted (55+) community known for its unparalleled sense of community and quality living. The community is gated and offers various amenities, including a clubhouse, swimming pool, recreational facilities, and more. It's designed for senior living and does not allow pets.
Community Features: Villa Capri consists of 258 sites, with 95% of them accommodating multi-section homes. Approximately 45% of the homes have peaked roofs, and 10% have lap siding. It also has RV sites available.
Location: 3833 North Fairview, Tucson, AZ 85705
Description: Terra Vista Estates is a showcase community located in Tucson, Arizona, designed for ages 55 and better. It's a vibrant, affordable, and low-maintenance community with beautiful views of the Catalina Mountains. The community offers amenities such as a swimming pool, horseshoes, bocce ball, shuffleboard courts, boat/RV storage, planned social activities, and more.
Community Features: Terra Vista Estates consists of 129 sites, with 25% of them having peaked roofs and 30% having lap siding. It's an age-restricted (55+) community with vacant sites available for those looking to join this beautiful community.
Finding the Best Mobile Home Insurance In Marana
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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