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Protect Your Manufactured Home In Mesa, AZ

Covertree’s Comprehensive Guide

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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:

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.
  • he 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

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:

Maricopa, 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.

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.

Did You Know?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

Arizona Mobile Home Facts

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!

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.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

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.

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:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) 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 A Manufactured Home or Community In Mesa, AZ

If you're in the market for a mobile or manufactured home in Mesa, it's important to have access to reliable and trustworthy information. Mesa, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Mesa has something for everyone.

Vista Del Sol

Location: 2060 North Center, Mesa, AZ 85201

An all-age manufactured home community boasting homes with modern features. This pet-friendly community is equipped with amenities like a basketball court, community center, playground, swimming pool, and lighted streets. On-site management and a sales office ensure residents have a seamless experience.

Primrose Estates

Positioned in central Mesa, this all-age mobile home and RV community is about simplicity and convenience. It offers mobile homes for rent, full-hookup RV spaces, and laundry facilities for all residents. Its strategic location provides easy access to the freeway and nearby shopping, dining, and entertainment hubs.

Residences on First Apartments

This contemporary community, a stone's throw away from Downtown Mesa, offers one and two-bedroom apartments with amenities like gourmet kitchens and elegant finishes. Residents can also enjoy a luxury pool, on-site coffee bar, parcel lockers, and proximity to the US-60 and light rail.

Hacienda de Valencia

Location: 201 South Greenfield Road, Mesa, AZ 85206

A 55+ retirement mobile home community designed to maximize Mesa living. Amenities include community-organized activities, clubhouse, fitness center, shuffleboard courts, swimming pool, whirlpool, and spa. Located just 2 miles from local shopping and dining, it also offers on-site management, laundry facilities, and RV storage.

Mesa Shadows

Ideal for those who've entered their golden years and want a mix of affordability, scenic beauty, and amenities. Whether you're seeking a winter retreat or a permanent abode, Mesa Shadows' 55+ active lifestyle community promises breathtaking mountain views and resort-style amenities. Mesa's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.


Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance In Mesa

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

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

Now that you've got the lowdown on mobile home insurance coverage in Mesa AZ, don't hesitate to get a CoverTree quote now.

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