Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Mesa, AZ

Disclaimer: Data Accuracy and Sources
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 Mesa, AZ: Costs, Coverage, and Considerations

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

Welcome to Mesa, AZ – a city that captures the hearts of both longtime residents and those contemplating a fresh start! Nestled in the picturesque landscape of central Arizona, Mesa is a captivating blend of history, natural beauty, and a strong sense of community. Whether you’re a current resident or someone considering a move, let’s explore the enchanting charm of this beloved city together.

For those fortunate to call Mesa home, you already know the magic that permeates the air. As you stroll through the charming downtown streets lined with Victorian-era buildings, it’s easy to feel the echoes of a bygone era. The rich history of Mesa, once the capital of the Arizona Territory, is celebrated in every nook and cranny. From the legendary Whiskey Row, boasting saloons and tales of the Old West, to the majestic Yavapai County Courthouse presiding over the bustling plaza, each step is steeped in the town’s vibrant heritage.

But Mesa offers so much more than just a glimpse into the past. As the heart of Arizona’s “Mile-High City,” residents also revel in the breathtaking natural surroundings. Towering Ponderosa pines blanket the nearby Mesa National Forest, inviting outdoor enthusiasts to explore the countless hiking and biking trails. The sparkling lakes and serene reservoirs provide a tranquil escape for fishing, boating, and kayaking. And as an added bonus, Mesa enjoys a mild four-season climate that showcases vibrant autumn foliage, breathtaking spring blooms, and cool summer evenings perfect for enjoying community events or a leisurely stroll. And let’s not forget the renowned Mesa Rodeo, famously known as the “World’s Oldest Rodeo,” which serves as a captivating reminder of the city’s western roots.

Whether you’re a current resident basking in the captivating blend of history and natural beauty or an aspiring newcomer ready to explore Mesa’s enchantment, this city promises a life filled with fond memories, cherished moments, and endless opportunities for adventure. So, come and experience the warmth and charm that Mesa, AZ, has to offer. Welcome home to Mesa, AZ – where vibrant history, breathtaking nature, and a close-knit community seamlessly converge to create a place worthy of calling home.

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 Mesa, AZ

Choosing the Right Mobile Home Insurance for Mesa, 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 Mesa, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some legal considerations relevant to mobile homes, manufactured homes, pre-fab homes, and RVs in Mesa, AZ

Weather Risks in Mesa, AZ

Mesa faces an extreme heat risk.
Historically, there were approximately 7.0 days annually with temperatures above 109.5ºF.
By 2050, this number is projected to surge to around 44.0 days per year.

About 90% of Mesa’s structures are at an elevated flood risk.
Buildings in Mesa average a 17.0% chance of witnessing a flood around 2.4 feet deep over a 30-year period.
206 out of 225 census tracts have over half of their buildings exposed to significant flood risk.

Approximately 57% of the city’s buildings are at high risk from wildfires.
Of 225 census tracts, 115 have over half of their buildings at significant fire risk.
Mesa has endured significant water stress, with 27% of weeks since 2000 experiencing extreme or exceptional drought.

Recommended Neighborhoods in Mesa, AZ

For Income Growth:

For Quality Schools:

Property Crime Rates in Mesa, AZ

Property Crime Rates in Mesa, AZ

Mesa, AZ, with its unique challenges and opportunities, is a dynamic city. Its residents and potential newcomers should be informed about its environmental risks, neighborhood dynamics, and safety statistics to ensure a harmonious and safe living experience.

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

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

Manufactured Home-Specific Coverage

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Additional Structures

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Personal Liability Coverage

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Deductibles and Premiums

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Discounts and Bundling Options

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

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 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:​

  • 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 Mesa, AZ

Finding the Best Mobile Home Insurance In Mesa, AZ

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

Business income insurance covers loss of income or profits due to damage or loss of the property caused by natural disasters, fire, or other covered perils.

Umbrella liability insurance provides additional liability
coverage beyond the limits of your standard policy. This coverage can provide
protection against lawsuits or claims made against mobile home-related businesses,
parks, or owners.

Medical payments coverage can provide payment for
medical bills and expenses related to injuries that occur on the property, regardless of
who is at fault.

Loss of use coverage can cover the cost of temporary housing
and living expenses following damages or loss to your mobile home, RV, or other
structures.

Scheduled personal property coverage
provides additional protection for valuable personal belongings, such as jewelry or
antiques, which may exceed the coverage limits of personal property insurance.
It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in Mesa, AZ to understand the specific coverage options available to
you. 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 Mesa, AZ,
and can tailor a policy that meets your unique requirements.

Insurance that covers the home against fire outbreaks, which can be a significant risk in Mesa, AZ. As wildfires can occur in Arizona, it is essential to have coverage for fire-related damages to your home. This includes damage to the structure of your home and belongings inside, as well as additional living expenses if you need to temporarily relocate due to fire damage.

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 Mesa, 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

References

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.

Copyright © 2022 CoverTree Inc. All rights reserved

×