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

Welcome to Paradise Valley, AZ - a picturesque town nestled between the scenic McDowell Mountains to the east and Camelback Mountain to the south. Originally a rural area, it was named by surveyors sent by the Rio Verde Canal Company in 1889, who were captivated by the beauty of the desert landscape. Today, Paradise Valley continues to be known for its natural beauty and upscale ambiance, attracting celebrities and affluent residents.

Paradise Valley is conveniently located in the heart of the Scottsdale-Phoenix metro area. Its economy is driven by the hospitality and medical trades, with several world-class resorts and medical plazas in the town. The area offers scenic attractions such as biking and hiking trails in the Phoenix Mountain Preserve, which provide breathtaking views of the valley.

Residents and visitors can also explore various community facilities in nearby Scottsdale and Phoenix, including libraries, parks, theaters, museums, art galleries, and shopping centers. Additionally, the town is home to the Goldwater Memorial, a major work of art that celebrates the life of Senator Barry Goldwater, who retired to Paradise Valley after serving in the U.S. Senate for three decades.

Some of Paradise Valley’s best attractions include:

Cosanti: The home and sculpture studio of Paolo Soleri, an Italian-American architect known for his concept of "Arcology" (architecture coherent with ecology).

Lon's at the Hermosa Inn: A charming restaurant located in the historic Hermosa Inn, which was originally built in 1930 as the home of cowboy artist Lon Megargee.

Jade Bar: Located at the luxurious Sanctuary on Camelback resort, Jade Bar offers a secluded patio with unparalleled panoramic views of the city.

Wasted Grain, R Bar, Kazimierz World Wine Bar, and Coach House are popular options for nightlife in Paradise Valley. Accommodation options in Paradise Valley include the Sanctuary on Camelback, a luxurious resort nestled in the foothills of Camelback Mountain. The resort offers private mountainside and spa casitas with stunning views. Paradise Valley Mall is a family-friendly shopping destination with popular anchor stores, a children's play area, and a large food court.

For those considering moving, Paradise Valley offers a wide range of luxury homes and properties to choose from, each with its own unique character and style. From sprawling estates with stunning desert views to contemporary homes that seamlessly blend indoor and outdoor living spaces, there's a home for every lifestyle and preference.

Whether you're a longtime resident or new to the community, Paradise Valley is a place that's sure to make you feel welcome and at home. Come explore all that this picturesque and vibrant community has to offer!

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

Weather Risks in Paradise Valley, AZ:

  • Paradise Valley faces a severe heat risk.
    • Historically: About 7 days annually reached temperatures above 109ºF.
    • By 2050: Expected to have around 44 hot days per year.
  • Water Stress Indicators:
    • Current water stress: Approximately 7%
    • Projected water stress in 2050: About 8%
  • Compared to the Arizona average, Paradise Valley’s drought risk is 41% lower.
  • Approximately 96% of all properties in Paradise Valley face some risk from wildfires over the next 30 years.
    • Residential: 5,790 out of 5,986 homes at severe risk.
    • Commercial: 474 out of 481 properties at extreme risk.
    • Critical Infrastructure: All 11 facilities at extreme risk.

Social Facilities: 21 out of 22 at severe risk.

  • Projected yearly rainfall decrease: From 8.8″ historically to approximately 8.7″ in 2050.
  • Extreme storm data:
    • Historically: Around 5.5” of rain over 9 extreme storms each year.
    • By 2050: About 5.8” of rain is expected over 9 extreme storms per year.
  • FEMA estimates that Paradise Valley has a minimal flood risk.

Neighborhood Recommendations in Paradise Valley, AZ.

For Income Growth (last 5 years):

For Quality Schools

Crime Rates in Paradise Valley, AZ:

Property Crime Rates:

Violent Crime Rate:

So what this means is that Paradise Valley has a below-average violent crime rate compared to the national average, but residents have an above-average chance of becoming a victim of property crime, with a 1 in 68 likelihood!

Coverage for Personal Belongings

Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

Regular Policy Review

Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.

Coverage for Relocation

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.


Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.

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 Paradise Valley,AZ

If you're in the market for a mobile or manufactured home in Paradise Valley, it's important to have access to reliable and trustworthy information. The Paradise Valley and nearby regions in Arizona offer a diverse array of manufactured home communities. Ranging from age-restricted to family-friendly environments, these communities provide various amenities and lifestyle choices.

Town & Country

Location: 1110 West Maryland, Phoenix, AZ 85013 Age Restriction: 55+

Description: Established in 1948, this land-lease community with 60 home sites is an affordable housing choice for active, age-qualified individuals. It features paved streets of narrow width, off-street parking, and easy access to local amenities.

Lot Rent: $450 - $750/month (includes trash pickup, water, and sewer)

Holiday Spa

Location: 10401 North Cave Creek Road, Phoenix, AZ 85020

Age Restriction: 55+

Description: Built in 1962, this land-lease community with 332 home sites is managed by Lautrec Homes. It boasts of paved streets of wide width and provides an affordable housing choice for active, age-qualified residents.

Lot Rent: $449 - $1,600/month (includes trash pickup and water)

Sunny Slope Mobile Home Park

Location: 9210 North 7th Avenue, Phoenix, AZ 85021

Age Restriction: All ages

Description: An all-ages land-lease community providing an affordable housing choice for family-friendly living. The community offers paved streets of average width and is positioned with easy access to local schools and recreation.

Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer)

Scottsdale Trailer Corral

Location: 3202 North Scottsdale Road, Scottsdale, AZ 85251

Age Restriction: All ages

Description: A land-lease community that caters to all age groups. This well-maintained community emphasizes active, family-friendly living and ensures easy access to local schools, recreation, shopping, and entertainment.

Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer)

Palm Harbor Estates

Location: 320 East Mckellips Road, Mesa, AZ 85201

Age Restriction: All ages

Description: Formerly known as M&M Mobile Villa, this community is undergoing extensive remodeling. Promising a bold vision and unmatched family-friendly environment, residents can expect a clubhouse, pool, and spacious streets among other amenities.

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 Paradise Valley

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

These are some things you should look out for in an insurance plan for Paradise Valley:

This coverage protects against damage caused by sewer or water backups into your home. It can help pay for repairs and cleanup if you experience a backup.

This coverage protects you if someone gets injured while you are using your RV as a temporary residence or vacation home. It offers personal liability coverage similar to what you would have with homeowner’s insurance.

This coverage protects your personal belongings inside the RV, such as clothing, electronics, and camping gear. It helps replace or repair these items in case of theft, loss, or damage. 

This coverage offers protection against multiple types of damage to mobile/manufactured/prefabricated/RV homes, including damage caused by fire, theft, and other natural disasters. This coverage can help pay for repairs, replacement of the structure, and personal property.

Given the climate and weather conditions in Prescott Valley, AZ, it’s crucial to have coverage for specific weather-related events such as windstorms, hail, or monsoons. Checking the specifics of the policy to ensure these perils are covered is important.

If you own a boat or other watercraft, this coverage can help protect you from legal liability if someone is injured while on your vessel or if your boat causes damage to someone else’s property.

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



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