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 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.
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 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
Here are some neighborhoods based on income growth and schools:
Income Growth:
Best Schools:
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.
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.
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.
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 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.
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 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
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.
