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

Welcome to Page, Arizona - a gateway to nature’s marvels and a canvas of Southwestern beauty!

Nestled on the plateau overlooking vast expanses of the Arizona desert, Page is not just a city—it's a vantage point. From this unique perch, one can witness some of the most breathtaking natural wonders that the American Southwest has to offer. From the sinuous curves of Antelope Canyon to the sprawling azure expanse of Lake Powell, Page is both a destination and a journey into the heart of nature’s grandeur.

Founded in the mid-20th century as a housing community for workers constructing the Glen Canyon Dam, Page quickly grew beyond its utilitarian origins. As the dam transformed the Colorado River into the stunning Lake Powell, Page found itself as the guardian to a myriad of recreational possibilities and natural splendors.

A visit to Page is incomplete without beholding the mesmerizing beauty of Antelope Canyon. Carved over eons by the relentless forces of water and wind, this slot canyon is a labyrinth of glowing red-orange corridors that seem to emanate a mystical light from within. With sunlight filtering down from narrow openings above, the play of light and shadow on the undulating walls creates an ethereal spectacle.

Lake Powell, with its 2,000 miles of shoreline, stands as an aquatic oasis amidst the desert. Its labyrinthine canyons and vast expanses make it a haven for boating, fishing, and kayaking. Overlooking the lake is the Glen Canyon Dam, an engineering marvel that speaks to human tenacity and vision.

Horseshoe Bend, a short drive from the city, offers another iconic view that has graced countless postcards and travelogues. Here, the Colorado River makes a dramatic U-turn, carving a deep canyon whose cliffs glow in the hues of the setting sun. Beyond its natural wonders, Page is steeped in the rich tapestry of Navajo culture and heritage. The city offers a gateway to the traditions, stories, and art of the Navajo Nation, adding a layer of cultural depth to the natural beauty that surrounds it.

Community life in Page is a blend of the tranquil and the adventurous. Annual events like the Balloon Regatta offer a colorful spectacle against the backdrop of the desert, while the sounds of the Native American powwows resonate with the rhythms of a land that has been celebrated and revered for generations.

In essence, Page is where the spirit of the Southwest comes alive. It’s a place where every rock, river bend, and horizon tells a story—a story of time, nature, and the harmonious dance between the two. For travelers and residents alike, Page offers not just sights to behold, but experiences to be cherished.

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

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

Weather Risks in Page, AZ

1. Drought and Water Scarcity:

Definition: A prolonged period of abnormally low rainfall, leading to a shortage of water.

Problem Caused:

Draining of reservoirs and water tables.
Strain on local water supply, potentially jeopardizing drinking water availability.
Economic impact on tourism and local businesses.

Implication for Mobile/Manufactured Home and RV Owners:

May face water restrictions or rationing.
Could experience increased water utility costs.
Water scarcity may discourage tourism, affecting those who rent or own holiday mobile homes in the area.

2. Extreme Heat:

Definition: Periods of high temperatures and potentially high humidity, particularly in the hottest months of summer.

Problem Caused:

Heat-related illnesses such as dehydration, heat exhaustion, and heat stroke.
Strain on power infrastructure due to increased use of cooling systems.

Implication for Mobile/Manufactured Home and RV Owners:

Cooling systems in these homes may not be as effective as in traditional homes, requiring additional energy usage and increasing utility bills.
Risk of heat-related illnesses could be higher due to potentially inadequate insulation and ventilation.

3. Monsoon-related Events (Flash Floods and Dust Storms):

Definition: During the monsoon season, intense storms can produce flash floods and dust storms.

Problem Caused:

Flash floods can result in property damage and pose serious health risks.
Dust storms can reduce visibility, affecting travel and causing respiratory issues.

Implication for Mobile/Manufactured Home and RV Owners:

Flash floods could damage or destroy mobile and manufactured homes, especially if not properly anchored or elevated.
Dust storms could cause damage to exteriors and ventilation systems, and create hazardous driving conditions for RVs.

Given these risks, mobile/manufactured home and RV owners in Page, AZ should consider investing in reliable water storage solutions, high-efficiency cooling systems, and anchoring mechanisms for flood protection. Keeping abreast of local weather forecasts and water supply alerts will also be crucial for preparedness.

Recommended Attractions in Page, AZ

Horseshoe Bend Air Tour

A helicopter tour offering aerial views of Lake Powell, Glen Canyon Dam, and the iconic Horseshoe Bend.

Arizona Private Tours

Custom private tours exploring scenic Arizona, with pickups in Flagstaff and expert guides.

Half Day Smooth Water Rafting Trip

A rafting experience through Glen Canyon, suitable for all ages and starting with a 2-mile tunnel ride to the dam base.

Antelope Canyon and Horseshoe Bend Tour

A full-day guided tour into Lower Antelope Canyon and a visit to Horseshoe Bend, with COVID safety precautions in place.

Private White Pocket Vermilion Tour

A full-day tour to Vermilion Cliffs National Monument to explore the unique sandstone rock formation of White Pocket.

Antelope Canyon and Glen Canyon Scenic Tour

A tour originating from Sedona or Flagstaff that explores both Antelope Canyon and Glen Canyon, including offroading experiences.

Great Chamber Tour

A local-led tour to a hidden gem featuring an immense alcove with a sand dune, requiring a 1.5-mile round trip hike on rocky and sandy terrain.

Whether you're interested in aerial views, water sports, or exploring unique geological formations, Page, AZ, offers a diverse range of activities.

Property Crime Rates in Page, AZ

Overall Crime:

With a rate of 37 crimes per 1,000 residents, Page has one of the highest crime rates in America across all community sizes. The chance of becoming a victim of either violent or property crime is 1 in 27.

Comparison to Arizona:

In the context of Arizona, Page ranks higher than 90% of the communities in the state in terms of crime rate.

Comparison to Similar-sized Communities:

When compared to other towns and cities of similar population size, Page has a very high rate of violent and property crime. This makes it one of the less safe communities of its size in the U.S.

Violent Crime Insights:

Property Crime Insights:

Page, AZ, faces considerable challenges related to crime, with both violent and property crimes contributing significantly to the high overall crime rate. The town fares poorly both within Arizona and when compared to other communities of a similar size across the nation. These statistics indicate that crime is a serious issue that needs urgent attention from local law enforcement and community members alike. Given this high level of criminal activity, local authorities may need to reassess and potentially restructure their crime prevention strategies. The community could benefit from increased police presence, community policing initiatives, and educational programs aimed at reducing crime rates. Residents may also need to take extra precautions, such as improved home security measures and increased situational awareness, to protect themselves and their property.

Consider the Coverage Options:

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet 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.

Policy Expiration and Renewal:

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Coverage Limits and Sublimits:

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

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 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.

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:

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.

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 A Manufactured Home or Community in Page AZ

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

Valley of the Sun Mobile Home / RV Resort

Location: 1 Cameron Street, Page, AZ 86040

Description: Lake Powell Mobile Home Village was originally founded in 1950 as a housing community for workers and their families during the construction of the Glen Canyon Dam. Today, it is a family-friendly community of 571 manufactured homes with easy access to Page's major businesses, schools, and churches. The community features palm trees, sunflowers, a modern laundry facility, on-site management, paved streets, sidewalks, off-street parking, and is pet-friendly. The monthly space rent is $498, and there are only a few vacancies left.

Chapman Mobile Home Park

Location: 801 Oak Street, Page, AZ 86040

Description: Chapman Mobile Home Park is a safe and sunny community of 155 homes that has been established since 1960. The community is known for its tall trees, cacti, climbing roses, and proximity to nearby schools and churches. It is a pet-friendly community with on-site management, a library, smooth paved streets, sidewalks, off-street parking, and a monthly space rent of $498. There are just a few vacancies left in this established community.

Tsinigine Mobile Home Park

Location: #40 Tsinigine Mobile Home Park, Page, AZ 86040

Description: Tsinigine Mobile Home Park is an all-ages community with 51 sites. It features homes with peaked roofs and lap siding, and there are breed restrictions for pets. The streets are gravel and have an average width. The community was built in 1985 and does not have age restrictions.

Page'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 Page

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

Mobile Home Sandstorm Protection:

Reasoning: Page experiences sandstorms. This endorsement provides coverage for damages to your mobile home caused by blowing sand and dust, including damage to exterior surfaces and systems.

RV Lake Liability Coverage:

Reasoning: Page is near Lake Powell. If you frequently park your RV near the lake, this coverage offers liability protection for accidents or injuries that might occur during lake activities, such as boating or fishing.

Mobile Home Deck and Porch Maintenance Coverage:

Reasoning: Many mobile homes have decks or porches. This endorsement provides coverage for maintenance and repair of these structures, including deck boards, railings, and stairs.

Mobile Home Flash Flood Coverage:

Reasoning: Flash floods can occur in the area. This coverage addresses damages caused by flash floods, including structural damage and water-related issues inside your mobile home.

RV Off-Road Recovery Coverage:

Reasoning: If you take your RV off-road in the desert, this coverage addresses the cost of towing and recovery in off-road or remote areas, which is common around Page.

RV Watercraft Liability Coverage:

Reasoning: If you tow watercraft like jet skis or boats with your RV to Lake Powell, this coverage offers liability protection for accidents or injuries that might occur during water activities.

What Additional Services Can You Get Covered?