Covertree’s Comprehensive Guide!
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.
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.
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.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In 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
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.
Additional Living Expenses
Trees, shrubs, plants and lawns
Emergency Removal Service and Emergency Repair after a loss
Credit Card and Check Forgery
Fire Department Service
Food Spoilage coverage
Personal Injury Protection coverage
Golf Cart coverage
+1 (877) 417-8733
Call us at (877) 417-8733 or submit your information below
A CoverTree team member will be in touch within an hour