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Protecting Your Manufactured Home In Phoenix, 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 Phoenix, AZ: Costs, Coverage, and Considerations

Welcome to Phoenix, Arizona - Welcome to Phoenix, the vibrant and bustling city nestled in the heart of Arizona. With its rich history, diverse population, and stunning landscape, Phoenix is an incredible destination that offers something for everyone. Incorporated in 1881, Phoenix has grown into a thriving metropolitan area with a population of 1.6 million. As the fifth largest city in the United States, it boasts a vibrant and youthful atmosphere, with a median age of 32.9 years. The city covers about 500 square miles and sits at an elevation of approximately 1,100 feet, providing breathtaking views of the surrounding desert landscape.

One of the things that makes Phoenix truly special is its year-round pleasant climate. With an average temperature of 75 degrees Fahrenheit, Phoenix enjoys warm and sunny weather throughout the year. The city receives an average of 8.04 inches of rainfall annually, which contributes to the lush greenery of the Sonoran Desert, one of the wettest and most vibrant deserts in North America.

Outside of the city, the Greater Phoenix area is home to a thriving population of 4.9 million. Covering about 2,000 square miles, this region includes Maricopa County, which is about the size of New Hampshire. The Sonoran Desert continues to enchant here, with its lush green landscape thanks to an annual rainfall of 3 to 15 inches.

When you land at Phoenix Sky Harbor International Airport, known as "America's Friendliest Airport," you'll quickly discover the warm and welcoming spirit that defines the city. From there, you can explore the more than 160 golf clubs offering over 185 unique courses or visit the stunning South Mountain Park and Preserve, one of the largest municipal parks in North America, with over 16,000 acres and 50 miles of trails.

Don't miss the opportunity to immerse yourself in the rich culture of Phoenix, with its numerous museums, including the Heard Museum, Desert Botanical Garden, and the Phoenix Art Museum. And sports enthusiasts will be thrilled to know that Phoenix is one of only 13 U.S. cities with franchises in all four major professional sports leagues.

Whether you're here to shop, dine, explore nature, or experience the excitement of professional sports, Phoenix has something to offer. So come and discover the warmth and friendliness that make Phoenix a city like no other. We can't wait to welcome you with open arms

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 Phoenix, 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 Phoenix, 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 Phoenix, AZ:

Weather Risks:

Phoenix is no stranger to severe weather events. Here's what you need to know:

  • The Heat Relief Network in Phoenix offers free water and indoor locations to cool off.
  • Avoid the outdoors between 11 a.m. to 5 p.m. on Excessive Heat Warning days.
  • Use sunscreen, wear light-colored clothing and hats, and stay hydrated.
  • Landlords in Phoenix are required to maintain 82° or cooler for units with AC and 86° or cooler for evaporative coolers.
  • Monsoons affect Arizona from June 15th through September 30th, characterized by extreme heat followed by thunderstorms.
  • Common hazards include lightning, high winds, wildfires, tornadoes, flash floods, and extreme heat.
  • Monsoon Safety Awareness Week aims to educate residents about these dangers.
  • Severe cold, extreme heat, torrential rains, ice storms, sand storms, hurricanes, tornadoes, dust devils, and microbursts.
  • Drought conditions and wildfires have increased over the past decade.
  • Flood advisories indicate potential minor flooding, while flash flood warnings suggest life-threatening situations. Residents can obtain sand for flood barriers, but self-activating flood barriers are recommended.

Recommended Neighborhoods.

Here are some neighborhoods based on income growth and schools:

Income Growth:

Best Schools

Property Crime Rates:

Phoenix's crime rate is a matter of concern for its residents. Here are some vital stats:

Phoenix has a high crime rate, with a 1 in 23 chance of becoming a victim of either violent or property crime. However, compared to other cities of similar size, Phoenix's crime rate is average. The city has a particularly high violent crime rate, with a 1 in 118 chance of being a victim of violent crime.

Property crimes, including burglary, larceny, motor vehicle theft, and arson, are also prevalent.

Overall Crime Rate: 43 per one thousand residents:

Property Crime Rate: 34 per one thousand population.:

Motor Vehicle Theft:

While property crime remains a concern, awareness and preventative steps can mitigate risks for residents and visitors. It's always advisable to stay informed and updated on local crime trends and to take necessary precautions to safeguard property.

Discounts and Bundling Options

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.

Claim Process and Customer Service

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.

Review and Compare Policies

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.

Think About What You Need

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.

Check Availability of all Applicable Discounts

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!

Review the Claims Process

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.

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 Phoenix, AZ

If you're in the market for a mobile or manufactured home in Phoenix, it's important to have access to reliable and trustworthy information.

We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Phoenix.

Pioneer RV Park

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.

Carefree Manor

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.

Central Park Village

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.

Friendly Village of Orangewood MHC

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.

Desert Shadows RV Resort

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

The Home Outlet

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

Wholesale Manufactured Homes

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.

Manufactured Housing Industry of Arizona (MHIA)

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.

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 Phoenix

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

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

Now that you've got the lowdown on mobile home insurance coverage in Phoenix AZ, don't hesitate to get a CoverTree quote now.


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