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The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
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.
Definition: A prolonged period of abnormally low rainfall, leading to a shortage of water.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
Definition: Periods of high temperatures and potentially high humidity, particularly in the hottest months of summer.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
Definition: During the monsoon season, intense storms can produce flash floods and dust storms.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
A helicopter tour offering aerial views of Lake Powell, Glen Canyon Dam, and the iconic Horseshoe Bend.
Custom private tours exploring scenic Arizona, with pickups in Flagstaff and expert guides.
A rafting experience through Glen Canyon, suitable for all ages and starting with a 2-mile tunnel ride to the dam base.
A full-day guided tour into Lower Antelope Canyon and a visit to Horseshoe Bend, with COVID safety precautions in place.
A full-day tour to Vermilion Cliffs National Monument to explore the unique sandstone rock formation of White Pocket.
A tour originating from Sedona or Flagstaff that explores both Antelope Canyon and Glen Canyon, including offroading experiences.
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.
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.
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.
Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
Finding the Best Mobile Home Insurance In Page
References:
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
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Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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