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Protect Your Manufactured Home In Oro Valley, AZ.

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

Welcome to Oro Valley, Arizona - a desert oasis marked alongside a valley of golden values!

Cradled by the majestic Santa Catalina Mountains in southern Arizona, Oro Valley stands as a testament to the beauty and allure of the Sonoran Desert. With its panoramic views, vibrant culture, and rich history, this town beckons visitors and residents alike to explore its many treasures.

The name "Oro Valley" translates to "Valley of Gold" in Spanish, a nod to the area's early history marked by the pursuit of precious minerals. While gold prospectors in the late 19th century were lured by the promise of riches beneath the earth, today's visitors find wealth in the area's natural beauty, thriving arts scene, and archaeological wonders.

One of Oro Valley's most striking features is its reverence for the land and its ancient inhabitants. The town is dotted with archaeological sites that date back over a thousand years. Petroglyphs etched into rock faces by the ancient Hohokam people serve as silent reminders of the valley's storied past. The Honey Bee Canyon, with its preserved ruins and artifacts, offers a direct portal into the lives of the cultures that once thrived here.

Nature, too, plays a starring role in the Oro Valley experience. The town boasts an array of parks, trails, and natural preserves that appeal to outdoor enthusiasts of all stripes. Whether one is drawn to hiking, bird-watching, or simply basking in the beauty of the desert landscape, Oro Valley delivers in spades. The Catalina State Park, with its varied terrains of canyons, streams, and diverse wildlife, remains a favorite haunt for many.

Beyond the natural splendors, Oro Valley is a hub of art and culture. The town's commitment to the arts is evident in its numerous galleries, public art installations, and cultural events. The Oro Valley Festival of the Arts and the Music and Dance Academy showcase local talent, offering performances that resonate with the heartbeats of both contemporary and classical arts.

The town also takes pride in its modern amenities and family-friendly attractions. The Oro Valley Aquatic Center is a modern facility that promises fun and relaxation, while the Oro Valley Marketplace, with its array of shops and eateries, offers a taste of the town's contemporary spirit.

An often-overlooked gem about Oro Valley is its commitment to innovation. The town has been recognized as one of the country's best places for tech startups, a testament to its forward-thinking ethos and the enterprising spirit of its residents. In essence, Oro Valley is where the past and the present converge, where ancient petroglyphs coexist with modern art installations, and where the serenity of the desert meets the vibrancy of community life. It's a place that celebrates both its heritage and its future, offering a diverse tapestry of experiences for all who journey here.

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

Weather Risks in Oro Valley, AZ

Definition: Extended periods of excessively high temperatures, often accompanied by high humidity.

Problem Caused:

  • Prolonged exposure to high temperatures can cause heat exhaustion or heat stroke.
  • Strain on power infrastructure due to increased use of cooling systems.
  • Dehydration and related health issues.

Implication for Mobile/Manufactured Home and RV Owners:

  • Mobile homes and RVs typically have less insulation than traditional homes, making them more susceptible to the outside temperature. They can become unbearably hot inside during a heatwave.
  • Air conditioning units in mobile homes and RVs may struggle to cope with extreme temperatures, leading to potential equipment failures.
  • Extended use of air conditioning can increase utility costs.

Definition: Uncontrolled fires in areas with combustible vegetation, which can spread rapidly depending on the weather and fuel conditions.

Problem Caused:

  • Damage or total destruction of property.
  • Air quality deterioration due to smoke, affecting health.
  • Displacement of residents and potential loss of life.

Implication for Mobile/Manufactured Home and RV Owners:

  • Mobile and manufactured homes may not be as fire-resistant as traditional homes, making them more susceptible to fire damage.
  • Due to their location, they might be in areas with higher wildfire risks, like the wildland-urban interface.
  • RVs, being highly mobile, can evacuate, but owners need to be especially vigilant about fire alerts to move in time.
  • Both mobile homes and RVs might face higher insurance premiums in high-risk areas.

Definition: Overflow of water onto normally dry land, often after prolonged heavy rains or due to rising water bodies.

Problem Caused:

  • Damage to property, including foundational damage.
  • Potential for mold growth post-flooding.
  • Contamination of drinking water sources.

Implication for Mobile/Manufactured Home and RV Owners:

  • Mobile and manufactured homes, especially if not anchored properly, can be susceptible to being washed away or severely damaged in floods.
  • Flooding can damage the undercarriage of mobile homes and RVs, potentially harming plumbing or electrical systems.
  • RV owners have the advantage of mobility; they should be prepared to move their RVs to higher ground during flood alerts.

Given these risks, it's crucial for mobile/manufactured homeowners and RV owners to be proactive in preparing and protecting their homes. Proper anchoring, insurance, regular maintenance checks, and staying informed about local weather conditions are essential preventive measures.

Recommended Neighborhoods in Oro Valley, AZ

Property Crime Rates in Oro Valley, AZ

  • With 14 reported incidents per one thousand residents, Oro Valley’s crime rate is higher than the national average but is not one of the highest. The likelihood of becoming a victim of a crime in Oro Valley is 1 in 74.
  • In the context of Arizona, Oro Valley’s crime rate is relatively high. It surpasses 55% of other cities and towns in Arizona in terms of crime rate.
  • When considering its population size and comparing it to other communities of similar size, Oro Valley actually presents a more favorable picture. The town is safer than most of its similarly sized counterparts across the U.S.

Violent Crime Insights:

Property Crime Insights:

Oro Valley, AZ presents a dual picture when it comes to crime. On one hand, its residents enjoy a notably low risk of falling prey to violent crimes. On the other hand, property crimes are a more significant concern. While it's important to acknowledge the safety of the community in terms of violent crimes, residents and local law enforcement should focus on strategies to reduce property crimes. This might include community policing initiatives, increased vigilance in neighborhoods, and education campaigns about securing properties and vehicles.

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.

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.

Research Insurance Providers:

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Cancellation Policy:

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Inflation Protection:

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

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.

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:​

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 Oro Valley, AZ

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

Oracle Junction Mobile Home Park

Location: 35590 South Highway 77, Tucson, AZ 85739
Description: Oracle Junction Mobile Home Park is an age-restricted (55+) community located in Tucson, Arizona. This community offers various amenities, including a clubhouse, sidewalks, a swimming pool, and recreational facilities. Pets are allowed, with a restriction of 2 small pets. The street width is average, and it's a paved community. It was built in 1969 and consists of 78 sites. Approximately 40% of the homes have multisection designs, while 75% have peaked roofs, and 25% have lap siding.

The Highlands, Inc.

Location: Near the foothills of the Catalina Mountains, Oro Valley, Arizona
Description: The Highlands, Inc. is a 55+ planned community located near the foothills of the Catalina Mountains just north of Tucson, Arizona. This community offers a resort-like living experience with outdoor activities such as swimming, bocce, mini-golf, shuffleboard, and more. It is close to golf courses, shopping, parks, and the Oro Valley Public Library. The community has paved streets suitable for biking or walking, and each home has its own driveway and yard area. There is also affordable RV or trailer storage on the property for homeowners.

Quail Ridge Estates

Location: 15301 N. Oracle Road, Tucson, AZ 85739
Description: Quail Ridge Estates is a 55 and over manufactured housing community located in Oro Valley, Arizona, approximately 10 miles north of Tucson. The community offers panoramic views of the Catalina Mountains and provides walkable access to nearby services for medical, shopping, and entertainment needs. Amenities include a large clubhouse, exercise center, heated pool, indoor spa, hobby building, covered patios, and more. New home sites are being developed with an expected completion in 2021.

Oro Valley'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 Oro Valley

It's essential to compare quotes from various insurance providers and work with local agencies that understand Oro Valley'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: Oro Valley has wildlife, including javelinas and bobcats. This endorsement provides coverage for damages to create a wildlife buffer zone around your mobile home, including fencing or landscaping.
  • Reasoning: Oro Valley offers scenic drives. If you frequently take your RV on scenic routes, this coverage offers liability protection for accidents or injuries that might occur during these drives.
  • Reasoning: Solar panels are popular for energy efficiency. This endorsement covers damages to or repairs of solar panels installed on your mobile home.
  • Reasoning: Oro Valley has cultural heritage sites. If your mobile home is on or near such sites, this coverage offers protection for the costs associated with preserving cultural heritage.
  • Reasoning: Many RVers carry bikes for outdoor activities. This coverage addresses damages to or theft of bike racks and bicycles stored on or in your RV.
  • Reasoning: In wildlife-rich areas, RVers may encounter animals. This coverage offers liability protection for accidents or injuries that might occur during wildlife encounters while camping.

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

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