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

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

Welcome to Maricopa, AZ – the 4th largest county in the US in terms of population. As of 2022, it has a population of 4.5 million people, making up more than half of Arizona’s population. Maricopa County is also the fastest-growing county in the United States, with more than 56,000 people added between July 2021 and July 2022.

Nestled between the stunning desert landscapes and mountain ranges of southern Arizona, Maricopa is a vibrant city that offers the perfect blend of natural beauty and modern convenience. Whether you’re a long-time resident or a newcomer considering a move, Maricopa has something for everyone.

Maricopa has a rich history, dating back to the 1800s. It was initially located on the southern banks of the Gila River and served as a major stagecoach relay station for the San Antonio and San Diego Mail Line, and later the Butterfield Overland Mail Line. It is the only city in the country bordered by two Native American communities, and it has had three locations throughout its history. Maricopa played a significant role as a stagecoach and trade center and experienced a period of rapid growth, becoming a boom town in the 1870s. It also served as a railroad junction and remains an important stop for travelers. Over the years, Maricopa has experienced several relocations, including moving its telegraph office and post office to become a railroad junction for the Southern Pacific Railroad and the Maricopa and Phoenix Railroad. The railroad revolutionized the economy of Arizona and facilitated the transportation of merchandise.

Incorporated as a city in 2003, Maricopa has seen tremendous growth. Its population rapidly expanded from 1,040 in 2003 to 15,934 in just two years. Today, Maricopa’s population has more than doubled again. It is a diverse community that celebrates cultural diversity and holds a strong sense of community.

For those who love the outdoors, Maricopa boasts an abundance of hiking trails, golf courses, and parks to explore. Sports enthusiasts can catch a game at the Copper Sky Recreation Complex, which features a state-of-the-art sports facility. The city also hosts a variety of events throughout the year, from community festivals to rodeos and concerts.

If you are considering moving to Maricopa, there are several reasons to call it your new home. It offers affordable living compared to the Phoenix area, with an average home price of $360k. Maricopa also provides a range of employment opportunities, economic growth, and development. The city focuses on key economic sectors such as Information Technology, Agricultural Technology, Automotive and Engineering, Professional Services, and the Healthcare Industry.

The city values family and provides excellent parks and exceptional schools. Maricopa also attracts retirees, offering low taxes, affordable living, beautiful weather, and a range of activities. For families and young professionals, Maricopa also offers a growing job market, and affordable housing options. With its proximity to the Phoenix metropolitan area, residents have access to diverse cultural attractions and entertainment options, while still enjoying the relaxed and inviting pace of small-town life.

Whether you’re looking for a place to settle down or just visiting for a while, Maricopa is a city that welcomes you with open arms. Come and discover all that this beautiful community has to offer!

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 Maricopa, AZ

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

Weather Risks in Maricopa, AZ

Flooding can severely impact cities, affecting their infrastructure, economy, and daily life. Here’s an overview of the flood risks faced by Maricopa.

  • Properties at Risk: 15,047 properties face a significant risk of flooding over the next 30 years, which is 67% of all properties in Maricopa.
  • Implications: Flooding can disrupt utilities, emergency services, transportation, and the economy. While deeper floods from major events like hurricanes are rarer, they can affect more properties than shallow flood events from heavy rains.
  • Projected Impact: A severe flood event (1-in-100 year flood) today could impact 14,539 properties. Over a 30-year mortgage lifespan, this event has a 26% chance of occurring. In 30 years, due to environmental changes, this same event could affect 15,549 properties.

With a moderate risk of flooding, Maricopa residents should prioritize flood preparedness and stay updated with city initiatives to counter these potential threats.

Beyond flooding, Maricopa faces several other environmental hazards, with wildfires being a significant concern.

  • Wildfire Risk:
    • Severity: Severe risk over the next 30 years.
    • Properties at Risk: 28,491 properties, or 99% of all properties in Maricopa.
    • Specific Sectors at Risk:
      • Residential: 22,854 out of 22,887.
      • Commercial: 149 out of 150.
      • Critical Infrastructure: 38 out of 39.
      • Social Facilities: 26 out of 26.
    • Implications: Wildfires can damage properties, disrupt utilities, impact emergency services, and evacuation routes, and potentially harm the economy.

  • minimal risk from severe winds, and 
  • extreme risk from heat


Recommended Neighborhoods

A city’s character is often defined by its neighborhoods and the safety it offers to its residents. Here’s a look at Maricopa’s neighborhood dynamics!

Income Growth by Neighborhood (Last 5 years):

Best Schools by Neighborhood:

Property Crime Rates

Property Crime Rates

Likelihood of Being a Victim:

Rate Comparison:

Specific Crime Numbers (Maricopa):

Property crime in Maricopa is a concern like in many cities. With a rate of 7 crimes per 1,000 residents, Maricopa’s property crime rate is roughly average when compared to national figures. Residents face a 1 in 142 chance of becoming a victim, emphasizing the importance of taking preventive measures to safeguard their properties and valuables.

Maricopa offers diverse neighborhoods with varying socio-economic dynamics. While its property crime rate is around the national average, residents should always stay informed and take safety precautions.

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

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.

Policy Limits

Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.

Premium Costs

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

Stability of the Insurance Company

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

Age and Condition of the Home

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Coverage for Personal Belongings

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.

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 Maricopa, AZ

Finding the Best Mobile Home Insurance In Maricopa, AZ

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

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.

Provides an extra layer of liability protection beyond the limits of your underlying mobile home, manufactured home, prefabricated home, or RV insurance policy.

This commercial insurance can protect the mobile home or RV park community’s physical structures, such as the community center, pool, laundry room, and other community facilities against covered perils.

This insurance protects RV parks or mobile home community owners or operators against expenses and lost wages related to employees who sustain workplace injuries and risks associated with vacant properties, such as vandalism or theft.

Earthquake insurance is crucial for mobile homes, RVs, and other structures located in earthquake-prone areas, such as Maricopa, AZ. This coverage protects against damage or loss due to earthquakes. Arizona is located in an earthquake zone, and homeowners’ insurance policies typically don’t cover earthquake damage. Mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting coverage for earthquake damage, which can help pay for repairs or replacement of the structure and personal property if they are damaged due to an earthquake.

Equipment breakdown coverage provides protection against the costs of repairing or replacing equipment, such as HVAC systems, water heaters, and appliances that break down due to mechanical or electrical failure.

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 Maricopa, 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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