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Protect Your Manufactured Home In Nogales, 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 Nogales, AZ: Costs, Coverage, and Considerations

Welcome to Nogales, Arizona - an amazing border town that is rich in culture, commerce, and history!

Nestled in the rolling hills of southern Arizona, Nogales serves as both a gateway and a destination, bridging two nations and two cultures. As a major port of entry on the U.S.-Mexico border, Nogales is a unique blend of North American energy and Latin American charm, offering visitors an experience that is both vibrant and deeply rooted in history.

The story of Nogales stretches back long before the establishment of modern boundaries. Indigenous tribes, Spanish explorers, missionaries, and pioneers all tread upon this land, each leaving their indelible mark. The echoes of their tales are still heard in the bustling streets, colorful markets, and ancient landscapes that define Nogales today.

The border itself plays a defining role in the city's identity. Nogales, Arizona, and its sister city, Nogales, Sonora in Mexico, are inextricably linked, with families, businesses, and cultures interwoven across the international divide. The sight of the border wall, running through the heart of the city, is a powerful reminder of geopolitical realities, yet daily life in Nogales thrives beyond barriers. Every day, people cross back and forth for work, shopping, family visits, and tourism, reinforcing the shared heritage and mutual dependency of these twin cities.

One of Nogales' standout attractions is its vibrant shopping scene. The city is renowned for its bustling mercados, where visitors can find everything from traditional Mexican crafts and textiles to modern electronics and fashion. The scent of fresh tamales, churros, and tacos waft through the streets, luring hungry travelers to local eateries that promise an authentic taste of the region.

Beyond commerce, Nogales boasts a rich tapestry of cultural experiences. Historical landmarks such as the Sacred Heart Church, with its stunning architecture, and the Pimeria Alta Museum, which chronicles the region's history, provide glimpses into the past. Meanwhile, local festivals, music events, and art exhibitions celebrate the present-day vitality of Nogales' community.

Nature enthusiasts aren't left wanting either. The surrounding Arizona landscape offers rugged beauty and biodiversity. Whether it's bird-watching, hiking, or simply soaking in the panoramic vistas, the natural world around Nogales provides a serene counterpoint to its urban hustle.

Perhaps one of the lesser-known facts about Nogales is its significance in the world of cinema. Due to its authentic border-town ambiance, it has served as the backdrop for several films over the decades, adding a touch of Hollywood to its multifaceted identity.

To visit Nogales is to step into a world where boundaries blur, not just geographically but also culturally. It's a testament to the enduring spirit of humanity that thrives on connection, trade, and shared stories. In Nogales, every alleyway, market stall, and sun-soaked plaza tells a tale of resilience, diversity, and unity.

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 Nogales, 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 Nogales, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Nogales, AZ

  • Definition: An overflow of water onto areas that are usually dry, often as a result of heavy rainfall or dam overflow.
  • Implications for Nogales Residents:
    • Damage to property, including homes, vehicles, and infrastructure.
    • Impairment of sewage systems leading to sewage discharge.
    • Potential water contamination, which can pose health risks if consumed.
    • Erosion of land, which can weaken the foundation of structures and disrupt habitats.
  • Definition: Uncontrolled fires that rapidly spread through vegetation, often exacerbated by dry conditions and high winds.
  • Implications for Nogales Residents:
    • Potential loss of homes and property.
    • Decreased air quality from smoke and particulates.
    • Disruption of local ecosystems.
    • Evacuation requirements and potential for road closures.
  • Definition: Elevated levels of pollutants in the air that can pose health risks to humans and animals and can harm the environment.
  • Implications for Nogales Residents:
    • Throat and eye irritation and potential exacerbation of asthma and chronic bronchitis from sulfur dioxide exposure.
    • Potential hazards for older adults, children, and those with heart or lung problems.
    • The need to stay indoors during poor air quality days and the importance of utilizing air quality monitoring apps or tools to stay informed.
  •  

Given these risks, it's essential for residents of Nogales to stay informed, prepare for emergencies, and engage in preventive measures such as creating defensible spaces around properties to mitigate wildfire risks, having evacuation plans, and ensuring they have access to clean water and medical supplies during extreme weather events.

Recommended Attractions in Nogales, AZ

  • A pristine reserve celebrating the iconic saguaro cacti of the Sonoran Desert.
  • Arizona’s ideal destination for golf enthusiasts with its perfect weather and world-class courses.
  • A top facility for thrilling paintball experiences, catering to both newbies and seasoned players.
  • At the heart of Arizona’s beer renaissance, offering unique micro-brews and local flavors.
  • A historic institution providing a rich array of activities and attractions.
  • A natural wonder filled with hiking trails, ancient petroglyphs, and diverse flora.
  • An immersive experience into the wonders of the Sonoran Desert, including a museum, zoo, and botanical garden.
  • A preservation area rich in Native American heritage and natural beauty.
  •  A nostalgic trip back to classic western filmmaking with authentic sets and experiences.
  • A vast exhibit space dedicated to the fascinating flora and fauna of the Sonoran Desert.

Property Crime Rates in Nogales, AZ

  • Nogales has a notably high crime rate with 33 reported crimes for every thousand residents. This places the town’s crime rate among the higher brackets in the U.S., regardless of community size. A resident has a 1 in 30 chance of becoming a crime victim.
  • When viewed in the context of Arizona, Nogales’ crime rate is considerably high. A whopping 88% of Arizona communities boast a lower crime rate than Nogales.
  • Assessing Nogales against other similarly sized communities reveals that its crime rate stands out. It surpasses most of its peers in crime rate when the numbers are scaled per thousand residents.

Violent Crime Insights:

  • Nogales reports a violent crime rate of 2 per one thousand inhabitants, which is above the average for most U.S. communities.
  • Violent crimes under consideration here include heinous acts like armed robbery, aggravated assault, rape, and murder. A Nogales resident faces a 1 in 507 chance of being victimized by a violent crime.

Property Crime Insights:

  • Property crimes, namely burglary, larceny (over fifty dollars), motor vehicle theft, and arson, make up a significant portion of Nogales' crime statistic. The town reports a rate of 31 property crimes per thousand residents.
  • The probability of a Nogales resident falling prey to a property crime stands at 1 in 32, which is alarmingly high.

Motor Vehicle Theft:

  • Property crimes, namely burglary, larceny (over fifty dollars), motor vehicle theft, and arson, make up a significant portion of Nogales' crime statistic. The town reports a rate of 31 property crimes per thousand residents.
  • In practical terms, this means that a resident of Nogales has a 1 in 130 chance of having their vehicle stolen.

Nogales, AZ presents a significant crime challenge, particularly in the realm of property crimes. Motor vehicle theft, a subset of property crimes, is especially problematic in the area. While its violent crime rate is also concerning, property crimes, especially motor vehicle theft, dominate its overall crime landscape. These statistics suggest a need for intensified community and law enforcement interventions in Nogales, focusing particularly on safeguarding properties and vehicles. Community engagement, improved public lighting, advanced security systems, and neighborhood watch programs could be effective measures to consider.

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.

Look Over the Details:

Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.

Check Customer Reviews:

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

Mitigation Measures:

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

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 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.

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 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 A Manufactured Home or Community in Nogales, AZ

If you're in the market for a mobile or manufactured home in Nogales, it's important to have access to reliable and trustworthy information. Nogales, 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, Nogales has something for everyone.

Green Valley Estates

Location: 25 West Duval Road, Green Valley, AZ 85614
Description: Green Valley Estates is an age-restricted (55+) community located in Green Valley, Arizona. This community offers various amenities, including a clubhouse, swimming pool, and recreational facilities. Pets are allowed with a 50 lb weight limit. The street width is average, and it's a paved community. It was built in 1983 and consists of 89 sites. Most homes in this community have peaked roofs and lap siding.

Mi Casa R.V. Travel Park

Location: Mi Casa R.V. Travel Park, Nogales, AZ 85621
Description: Mi Casa R.V. Travel Park is a neighborhood of homes in Nogales, Arizona. It offers single-family homes with varying sizes and styles at affordable prices. The square footage of homes in this community is around 1,800 square feet, with prices approximately at $130,000. It's part of the Nogales real estate market and offers options for those seeking single-family homes.

Mariposa Manor Community

Location: 945 W Manor Dr, Nogales, AZ 85621
Description: Mariposa Manor Community is an all-ages community located in Nogales, Arizona. This community offers amenities such as a playground, clubhouse, swimming pool, and recreational facilities. Pets are allowed with a maximum of 2 pets per community approval. It was built in 1971 and consists of 140 sites. About 45% of the homes in this community are multi-section homes, and approximately 20% have peaked roofs, while 40% have lap siding. The community is not age-restricted.

Nogales'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 In Nogales

It's essential to compare quotes from various insurance providers and work with local agencies that understand Nogales'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!

  • Reasoning: Given Nogales’ proximity to the Mexican border, this endorsement provides coverage for enhanced security measures like fencing or cameras to protect your mobile home.
  • Reasoning: If you frequently cross the border in your RV, this coverage offers liability protection for accidents or incidents that might occur during border crossings or customs inspections.
  • Reasoning: Terracotta roofs are common in the region. This endorsement offers coverage for maintenance and repairs of terracotta roofing to preserve its integrity.
  •  
  • Reasoning: If your mobile home community organizes cleanups or beautification projects, this coverage offers assistance with costs related to community cleanup efforts.
  • Reasoning: If you frequently visit border markets or swap meets in your RV, this coverage offers liability protection for accidents or injuries that might occur during these outings.
  • Reasoning: For RVers traveling to Mexico, this endorsement provides additional medical coverage for emergencies or healthcare needs while abroad.

 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 Nogales AZ, don't hesitate to get a CoverTree quote now.

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