Protect Your Manufactured Home In Queen Creek, 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 Queen Creek, AZ: Costs, Coverage, and Considerations

Welcome to Queen Creek, Arizona - a growing town located in Maricopa and Pinal counties. Queen Creek offers a unique combination of rural charm, outdoor recreation, and a thriving community.

Queen Creek has a rich history that dates back to the late 1800s. Originally an agricultural community, the area was known for its fertile soil and abundant citrus orchards. The town was named after the Queen Creek Wash, a dry creek bed that runs through the region. Today, Queen Creek has experienced significant growth, but it still maintains its small-town atmosphere and a connection to its agrarian roots.

One of the main attractions of Queen Creek is its stunning natural surroundings. The town is nestled near the San Tan Mountains and is surrounded by picturesque desert landscapes. The San Tan Mountain Regional Park offers numerous hiking and biking trails, providing residents and visitors with opportunities to explore the unique flora and fauna of the Sonoran Desert.

Queen Creek is also famous for its agritourism attractions. Several local farms and orchards welcome visitors to experience the joys of picking fresh produce, enjoying hayrides, and participating in seasonal events such as pumpkin patches and corn mazes. Schnepf Farms is a popular destination, offering a variety of family-friendly activities and the annual Peach Festival, which celebrates the area's famous peaches.

The town of Queen Creek hosts a range of events throughout the year that showcase its rich culture and community spirit. The Queen Creek Performing Arts Center hosts a variety of concerts, plays, and community theater productions. The Queen Creek Olive Mill, one of the largest olive farms in Arizona, hosts unique events such as olive oil tastings and cooking classes. The Roots N' Boots Rodeo is another popular annual event that attracts visitors from near and far to experience traditional rodeo competitions and western-themed activities.

In addition to its well-known attractions and events, Queen Creek has some lesser-known facts and quirky features. Queen Creek is home to the American Heritage Festival, a unique event that recreates different time periods of American history and allows visitors to experience living history. The town is also known for its love of animals, with several equestrian centers, petting zoos, and horseback riding trails available for residents and visitors to enjoy.

Moreover, Queen Creek has a strong commitment to education. The town is served by several school districts, including the Queen Creek Unified School District and the Chandler Unified School District. The area has seen significant growth in recent years, leading to the construction of new schools and the expansion of educational facilities.

Queen Creek offers a blend of rural charm, natural beauty, community events, and a connection to its agricultural heritage. Whether you're exploring the scenic countryside, enjoying agritourism experiences, attending local performances, or engaging in outdoor activities, Queen Creek provides a welcoming and dynamic environment for residents and visitors. With its rich history, diverse attractions, and strong sense of community, Queen Creek has something to offer everyone.

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:

Home Value

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Age and Condition

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Insurance Score

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 Queen Creek, 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 Queen Creek, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Queen Creek, AZ

1. Flash Floods:

Definition: Flash floods are rapid and extreme flow of high water into a normally dry area, or a rapid water level rise in a stream or creek above a predetermined flood level.

Problems Caused:

Roadway and infrastructure damage.
Hazardous travel conditions.
Health risks from contaminated water.

Implication for Mobile/Manufactured Home and RV Owners:

Risk of water damage and entrapment.
Increased risk if living near water bodies or low-lying areas.

2. Dust Storms:

Definition: A dust storm is a strong, turbulent wind that carries fine particles like soil, dust, and sand through the air over an extensive area.

Problems Caused:

Reduced visibility on roads.
Respiratory problems and air quality issues.
Vehicle damage.

Implication for Mobile/Manufactured Home and RV Owners:

Risk of reduced visibility while driving.
Potential for damage to less sturdy structures.
Air quality concerns may require sealing off homes temporarily.

3. Lightning and Severe Storms:

Definition: Lightning is a sudden electrostatic discharge that occurs during a thunderstorm, and severe storms are storms that bring heavy rainfall, strong winds, and often hail.

Problems Caused:

Risk of fires.
Power outages.
Damage to structures and trees.

Implication for Mobile/Manufactured Home and RV Owners:

Higher risk of damage or destruction due to less sturdy construction.
Need for a safe place to go in case of severe storms.

Additional Notes:

Preparedness

Sandbags are made available, and road crews are prepared for cleanup and emergency responses. Public Works maintains various infrastructure elements like catch basins, storm drains, culverts, and bridges.

Communication:

Critical information is communicated via the town’s Twitter account.

3. Lightning and Severe Storms:

Definition: Lightning is a sudden electrostatic discharge that occurs during a thunderstorm, and severe storms are storms that bring heavy rainfall, strong winds, and often hail.

Problems Caused:

Risk of fires.
Power outages.
Damage to structures and trees.

Implication for Mobile/Manufactured Home and RV Owners:

Higher risk of damage or destruction due to less sturdy construction.
Need for a safe place to go in case of severe storms.

Given the potential for hazardous conditions during monsoon season, mobile/manufactured home and RV owners should be extra vigilant. This can include having an emergency evacuation plan, keeping emergency supplies at hand, and closely following weather forecasts and any instructions from local authorities.

Recommended Neighborhoods in Queen Creek, AZ

Ash Creek Estates / Ocotillo Heights
Ellsworth Suburban Mini-Farms
Hastings Farms
Encanterra / Meadow Vista
Brooks Farms / Chandler Mesa Ranches
Montelena
Victoria
La Sentiero / Villages At Queen Creek
Ranchos Jardines
Cortina

Payson offers a mix of historical, cultural, and outdoor attractions, making it a diverse destination for visitors.

Property Crime Rates in Queen Creek, AZ

Overall Crime:

With a rate of 11 crimes per 1,000 residents, Queen Creek’s crime rate is near the national average. The likelihood of becoming a victim of either violent or property crime here is 1 in 94.

Comparison to Arizona:

Relative to other Arizona communities, Queen Creek’s crime rate is lower than 55% of them. This suggests that Queen Creek is relatively safer within the state’s context.

Comparison to Similar-sized Communities:

When compared to other communities of similar size in the U.S., Queen Creek fares well with a noticeably lower crime rate.

Violent Crime Insights:

Property Crime Insights:

Queen Creek presents a mixed picture when it comes to crime. While its overall crime rate is close to the national average, it has a lower rate of crime compared to other similarly sized communities, which could make it relatively safer for residents and visitors alike. However, it is important to note that the rate of violent crime is higher than average for communities across America, indicating that there may be specific areas or types of crime that warrant increased attention from law enforcement and community leaders. Residents might consider community-engagement activities, such as Neighborhood Watch programs, to maintain and possibly improve safety. Authorities could focus on targeted initiatives to reduce violent crime, potentially making Queen Creek an even safer place to live.

Research Insurance Providers:

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

Home Value:

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

Consider the Coverage Options:

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

Evaluate Replacement Cost Coverage:

Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.

Stability of the Insurance Company:

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

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 in AZ

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!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

Affidavit of Affixture

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).

Buying a Used Mobile Home

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 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

Home Relocation Fund in the case of:

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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 Queen Creek, AZ

If you're in the market for a mobile or manufactured home in Queen Creek, it's important to have access to reliable and trustworthy information. Queen Creek, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Queen Creek has something for everyone.

Gateway Mobile Home Park

Location: 7373 East U. S. Highway 60, Gold Canyon, AZ 85118

Description: Montesa at Gold Canyon is an age-restricted (55+) community with 498 sites. It offers resort-style living with amenities such as a clubhouse, swimming pool, and recreational facilities. The community is gated and features paved streets of average width. It allows pets with specific community restrictions. Montesa at Gold Canyon is a senior community with vacant sites available and was built in 1998. It is located approximately 13.9 miles from water sources.

Superstition Sunrise

Location: 702 S. Meridian Road, Apache Junction, AZ 85120

Description: Superstition Sunrise is a 55+ RV resort offering affordable, low-maintenance living with luxury on-site amenities. It includes RV sites and manufactured homes for sale. The community is located in the foothills of the Superstition Mountains, offering easy access to local conveniences. It has 29 homes for sale, and the community dealer specializes in pre-owned home sales.

Community Home Sales

Location: 7373 East U. S. Highway 60, Gold Canyon, AZ 85118

Description: Community Home Sales is a family-owned business specializing in high-end communities and upscale homes. They have a focus on Montesa at Gold Canyon and offer both new and pre-owned manufactured homes for sale. The community homes they sell have various floor plans and sizes, and their listings include homes with different features and prices.

Queen Creek's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Queen Creek

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

Monsoon Endorsement:

Monsoons are an annual occurrence in Queen Creek and its surrounding areas, and they can bring heavy winds and dust storms, which may damage mobile and manufactured homes, as well as RVs. This endorsement provides coverage for losses resulting from damage caused by monsoons.

Haboob Endorsement:

Haboobs are also common in Queen Creek, and they can have severe impacts on properties. This endorsement can offer coverage for damage to structures and personal property caused by haboobs.

Foundation Endorsement:

Foundations of mobile or manufactured homes in Queen Creek can wear down over time, especially in the harsh climate. This endorsement can offer coverage for repairs or replacement of the foundation.

Ground Set Endorsement:

A ground set endorsement will provide coverage for specific damage caused to the mobile or manufactured home when it is permanently attached to the ground.

Vacation Liability Endorsement:

This endorsement offers coverage for personal liability, typically not included in standard RV insurance policies. It provides extra liability protection when using the RV as a vacation home or during travel, such as when parked at a campsite.

Fire Department Service Charge Endorsement:

An RV can catch fire due to mechanical failure, electrical issues, and other reasons. It can be challenging to get fire department service when you are out camping. Adding this endorsement provides coverage if the fire department service charges fees for responding to a fire.

What Additional Services Can You Get Covered?