Disclaimer: Data Accuracy and Sources
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.
Welcome to Peoria, Arizona – a vibrant and thriving city located in the heart of scenic Maricopa County. Whether you’re new to the area or have been a long-time resident, you’ll find plenty to love about Peoria. Nestled perfectly between Phoenix and Glendale, Peoria boasts all the conveniences of big-city living while preserving the small-town charm and natural wonder of the nearby Sonoran Desert.
From gorgeous parks and recreational areas to championship golf courses, Peoria offers something for everyone. Are you an avid outdoor enthusiast? Then you’ll love hiking and biking the New River Trail, spending a day at Lake Pleasant, or exploring the stunning landscapes of the nearby Estrella Mountain Regional Park. Or perhaps you’re more into sports and entertainment – in which case, you’ll revel in the excitement of Peoria Sports Complex, the Peoria Center for the Performing Arts, or catching a game at the State Farm Stadium or Talking Stick Resort Arena.
But that’s not all Peoria has to offer. Boasting exceptional schools, world-class shopping and dining, and a robust economy, Peoria is the perfect place to live, work, and play. And with an abundance of diverse neighborhoods and safe, family-friendly communities, it’s no wonder so many people choose to call Peoria home.
So whether you’re planning to move to Peoria, AZ, or are looking to explore all that this beautiful city has to offer, we invite you to come see for yourself why so many people love living here. Welcome to Peoria – we’re glad you’re here!
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.
The 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.
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 Peoria, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some legal considerations relevant to mobile homes, manufactured homes, pre-fab homes, and RVs in Peoria, AZ
Greatest Peoria Income Growth By Neighborhood (last 5 years):
Best Peoria Schools by Neighborhood:
Peoria’s crime rate, notably at 17 crimes per one thousand residents, ranks above the national average across all American communities. The likelihood of becoming a victim of either violent or property crime in Peoria stands at 1 in 58. Despite these numbers, when compared to its peer cities of similar sizes, Peoria’s crime rate is actually lower than average. Nevertheless, the city isn’t amongst America’s safest, as inferred from FBI crime data.
When discussing property crimes in Peoria:
Peoria’s crime dynamics necessitate a dual approach in interpretation. While the city isn’t on the list of America’s safest, when compared against cities of similar sizes, it fares better. Violent crimes, although more frequent than in other U.S. communities, are still relatively low, but it’s the property crimes that majorly contribute to Peoria’s overall crime rate. Residents and potential homeowners should be well-informed and possibly take preventive measures to ensure personal safety and the security of their belongings.
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
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.
Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.
Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.
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.
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.
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 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
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.
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:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Peoria’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 Peoria:
Peoria, AZ can experience extremely hot
temperatures in the summer months, which can cause damage to roofs, walls, and
other materials in manufactured homes. Ensuring that your policy covers heat-related
damages may provide protection for repairs or replacements.
As wildfires can occur in Arizona, it is essential to have coverage for
fire-related damages to your home. This includes damage to the structure of your home
and belongings inside, as well as additional living expenses if you need to temporarily
relocate due to fire damage.
In the event of severe weather or other major incidents,
debris removal may be necessary to clean up and restore your property. Having
coverage for debris removal can help cover the costs associated with clearing debris
and disposing of it properly.
Consider opting for replacement cost coverage instead
of actual cash value coverage. Replacement cost coverage will reimburse you for the
full cost of repairing or replacing damaged items or your home, without factoring in
depreciation.
This coverage provides an additional layer of
protection by covering the cost of rebuilding your home even if it exceeds the policy
limit. It can be particularly valuable in cases of high demand for construction services
after a disaster.
Loss of use coverage can provide financial assistance if your
mobile/manufactured or prefabricated home becomes uninhabitable due to a covered
event. It can help with temporary living expenses, such as hotel bills or rental costs,
while your home is being repaired or rebuilt.
