Insurance guides
Protect Your Manufactured Home in Mesa, 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 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
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:
Home Value
The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
Age and Condition
Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
Location
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.
Home Features
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.
Safety Features
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.
Coverage Amount
The more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
Deductible
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.
Claims History
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.
Personal Factors
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.
Policy Add-ons
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.
Community/Neighborhood Features
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.
Length of Occupancy
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.
Rental or Owner-Occupied
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.
Type of Construction
The materials and quality of construction can influence how resistant a home is to certain types of damage.
Insurance Score
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
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
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.
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.
Fire and Drought Risk
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:
- Spyglass Estates / Hermosa Vista Flood
- Thunder Mountain
- Saguaro Shadows / Sierra Estates
- Lehi
- Rancho de Arboleda
- Augusta Ranch
- Villa Royale III / Camelot Estates
- Glenrose Shadows / El Cortez Ranchos
- Stonebridge Garden / Fulton Park
- Marlborough Mesa
For Quality Schools:
- Rancho de Arboleda
- Spyglass Estates / Hermosa Vista Flood
- Homestead
- Forest Knoll North
- Northgrove
- East Orangewood Estates
- Las Sendas
- Thunder Mountain
- Madrid / Sunrise at College Park
- Lehi
Property Crime Rates in Mesa, AZ
Property Crime Rates in Mesa, AZ
- Residents of Mesa face a 1 in 51 chance of becoming a victim of property crime, compared to Arizona’s average of 1 in 41.
- The overall crime rate in Mesa is 24 crimes per 1,000 residents.
- While Mesa’s crime rate is higher than the national average, for its size, it is considered one of the safer cities in the U.S.
- The chance of becoming a victim of a violent crime in Mesa is 1 in 245.
- Property crimes include motor vehicle theft, arson, larceny, and burglary, with a 1 in 51 chance of becoming a victim in the city.
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.
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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
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.
Title Issuance for Mobile Homes by MVD
- 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.
Applying for a Mobile Home Title
To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.
Affidavit of Affixture
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).
Buying a Used Mobile Home
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:
- AZ Lanlord/Tenant Bill
- Mobile Home Park Evictions
- Arizona Revised Statutes Title 33. Property § 33-1452 | FindLaw
- Arizona’s Recreational Vehicle Long Term Space Act
- RV and Motorhome Laws: My Rights – My Arizona Lemon Law Rights
- Can You Legally Live In an RV On Your Own Property?
- RV Bill
- Arizona Manufactured Homes Moving – Regulations
- Arizona Mobile Home Landlord & Tenant Act Information and Relocation Fund
- ARIZONA Taxable Personal Property | Lincoln Institute of Land Policy
- Mobile Home Parks Residential Landlord and Tenant Act
- 2020 Arizona Revised Statutes Title 33 – Property § 33-1409 General definitions
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.
Common Policy Riders for Mobile Home Insurance in Arizona
- 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 in Arizona Homeowners Insurance
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.
Coverage Exclusions in a Mobile Home Policy in Arizona
- 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
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
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
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
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
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
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.
Fire Coverage
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.
What Additional Services can you get covered?
- 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