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.
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.
Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.
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.
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!
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.
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.
Address: 36408 North Black Canyon, Phoenix, AZ 85086
Age Restriction: 55+
Overview:
Established in 1985.
Home Site Lot Rent: $425 - $575/month (Includes trash pickup, water, and sewer).
Infrastructure: Paved streets, city-provided water and sewer system, off-street parking, no RV parking available.
Description: Ideal for active, friendly seniors, the community offers easy access to recreation, shopping, and entertainment.
Address: 19602 North 32nd Street, Phoenix, AZ
Overview:
All Age Community
Amenities: Spacious clubhouse, billiard facilities, game room, and more.
Description: Located just 1.5 miles from local shopping and dining. A pet-friendly gated community with on-site management and laundry facilities.
Address: 205 West Bell Road, Phoenix, AZ
Age Restriction: 55+
Overview:
Amenities: 9-hole golf course, clubhouse, shuffleboard courts, pool, whirlpool-spa-hot tub, laundry facilities, and RV storage.
Description: Located within a mile of shopping and dining, the community offers numerous activities and amenities to keep residents engaged.
Address: 2650 West Union Hill Drive, Phoenix, AZ 85027
Age Restriction: 55+
Overview:
Established in 1972 with 383 home sites.
Home Site Lot Rent: $591 - $1,600/month (Includes trash pickup and water).
Infrastructure: Paved streets, city-provided water and sewer, off-street parking, no RV parking.
Amenities: Billiards, fitness center, clubhouse, golf, shuffleboard, laundry facilities, bocce ball, library, game room, etc.
Description: A community that offers an array of activities and amenities for active, friendly seniors.
Address: 19203 N 29TH Ave, Phoenix, AZ 85027
Age Restriction: 55+
Overview:
Established in 1978.
Home Site Lot Rent: $425 - $575/month (Includes trash pickup, water, and sewer).
Infrastructure: Paved streets, city-provided water and sewer, off-street parking, no RV parking.
Description: An affordable housing option with easy access to local recreation, shopping, and entertainment.
Known for quality evaluation and certification
Intertek offers streamlined processes and rapid response times
They collaborate closely with clients for the certification of factory-constructed buildings and RVs
With a global presence, they stand out in the development of worldwide RV standards
New Mobile Homes for sale, selected from the best factories!
The Home Outlet is a mobile home dealer that services a broad region, including Arizona.
They bring high-quality new mobile homes to the market and collaborate with renowned factories such as Cavco West, Clayton Homes, and Cavco Durango Homes.
Modern mobile homes that come equipped with kitchens, bathrooms, and other amenities
Extends comprehensive services to those looking to install a new home in Phoenix.
With vast experience spanning decades in the manufactured home sector, they offer expertise in a range of services, from securing necessary permits to determining if your residence requires a sprinkler system.
An extensive array of options and decor combinations for new, custom homes
Complete solutions from permit acquisition to handing over the keys to your new home.
MHIA stands as a beacon of advocacy for the factory-built housing sector in Arizona.
They represent potential homebuyers and MHIA boasts a membership of over 100 businesses.
They are a significant entity, earning respect from both the governmental and private sectors in Arizona.
They give you everything from cost savings and fewer restrictions to a broader range of options and peace of mind.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Phoenix
Liability insurance can protect you in case someone is injured on
your property or if you cause damage to someone else's property. It can help cover
legal fees and settlements resulting from a covered incident.
This type of insurance coverage helps protect your
personal belongings within your mobile or manufactured home. It can provide coverage
for things such as furniture, electronics, and clothing in the event of damage or loss due
to a covered event, such as a fire or theft.
Phoenix experiences strong winds and occasional
hailstorms. Ensure your insurance policy provides coverage for wind and hail damage to
protect your home and belongings in case of such events.
Phoenix is susceptible to flash floods, especially during monsoon
season. Standard home insurance policies usually do not cover flood damage. Consider
obtaining additional flood insurance to protect your home from potential flood-related
losses.
As a desert city, Phoenix is at risk of wildfires, particularly in
surrounding areas. Make sure your insurance policy includes coverage for fire damage
and consider additional coverage specifically for wildfire-related losses.
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
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
References:
CoverTree operates in CA as MHTree Insurance Services
CA license # 6009070
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.
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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