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Protecting Your Manufactured Home In Scottsdale, AZ.

Covertree’s Comprehensive Guide!

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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.

A Guide to Mobile Home Insurance in Scottsdale, AZ : Costs, Coverage, and Considerations

Welcome to Scottsdale, AZ - Scottsdale, AZ is a vibrant city that offers a variety of attractions and activities for visitors. From the stunning beauty of the Sonoran Desert to luxury resorts, chef-driven restaurants, and exciting outdoor pursuits, Scottsdale has something for everyone.

The city is known for its real estate market, which offers a wide range of options from condos to multi-million dollar estates. The average asking price for single-family homes in July 2023 was $2,242,755, and the average sales price was $1,346,060. There were 313 single-family home sales during that month.

Old Town Scottsdale, also known as Downtown Scottsdale, is the original downtown area that has maintained its small storefronts and narrow streets. It is a hub for art galleries, boutiques, and top-notch restaurants. The area is also home to cultural attractions such as the Scottsdale Museum of the West, the Scottsdale Museum of Contemporary Art, and the Scottsdale Civic Center Mall.

Just across the canal from Old Town is the Scottsdale Fashion Square Mall and the Scottsdale Waterfront neighborhood. This area has seen significant development in recent years, with luxury condo developments like Optima Camelview and the Scottsdale Waterfront Residences. The dining scene in Old Town is diverse and offers options for all tastes and budgets.

Moving north, you'll find the Central Scottsdale area, which features established communities like Gainey Ranch and McCormick Ranch. The Enclave at the Borgata is a popular luxury condo community in this area. To the east is the Scottsdale Ranch community, which offers a mix of single-family homes, condos, and townhomes overlooking and with access to Lake Serena. The Kierland neighborhood is another desirable area in Central Scottsdale, with luxury condo developments like Optima Kierland and easy access to shopping areas like Kierland Commons and Scottsdale Quarter.

North Scottsdale has seen significant development in recent years, with new housing communities, golf courses, and shopping and dining locales. This area is known for its luxury private golf communities such as Desert Mountain, Estancia, DC Ranch, Silverleaf, The Boulders, and Mirabel. North Scottsdale offers a mix of single-family homes and smaller communities, and the area provides a great mix of the desert landscape with ample shopping, dining, and entertainment options.

Scottsdale is also known for its dining scene, with a wide range of culinary choices in strip malls and shopping centers. The city is a major golf destination, with over 30 public golf courses. Scottsdale is also home to spring training camps for many professional baseball teams and hosts major events like the Waste Management Phoenix Open Golf Tournament and the Barrett-Jackson car auction. Nearby Phoenix is home to professional sports teams like the Arizona Suns, the Phoenix Cardinals, the Arizona Diamondbacks, and the Arizona Coyotes.

If you visit Scottsdale in the summertime, there are plenty of cool attractions and activities to enjoy. Some highlights include the OdySea Aquarium, Western Spirit: Scottsdale's Museum of the West, Butterfly Wonderland, Frank Lloyd Wright's Taliesin West, and the Scottsdale Museum of Contemporary Art. Other fun activities include kart racing at Octane Raceway, exploring the Musical Instrument Museum, wine tasting at tasting rooms in Old Town, shopping at Scottsdale Fashion Square, and enjoying dive-in movies at resorts like The Fairmont Scottsdale Princess and The Phoenician.

No matter what you're interested in, Scottsdale has plenty to offer for a memorable vacation experience.

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 Scottsdale, 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 Scottsdale, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some laws, rules, and ordinances related to mobile homes, manufactured homes, prefabricated homes, and RVs in Scottsdale, AZ

Weather Risks:

  • Heat: Scottsdale is experiencing extreme heat risks, with historical records indicating about 7 days per year over 109.2ºF between 1985-2005. Disturbingly, projections show this could escalate to around 44 days per year by 2050, making it essential for residents to take preventative measures and adapt to increasing temperatures.
  • Drought: Drought risk in Scottsdale is on the rise, with the Lower Salt watershed, which encompasses Scottsdale, showing that 86% of weeks since 2000 have experienced some form of drought. More concerningly, 20% of these weeks faced Extreme or Exceptional drought conditions. This escalating drought situation, combined with the increasing heat, emphasizes the importance of water conservation and sustainable practices for the foreseeable future.
  • Precipitation: While Scottsdale’s precipitation risk remains relatively consistent through 2050, climate change intensifies the possibility of extreme weather events. An extreme storm in Scottsdale is classified as a 48-hour rainfall exceeding 0.4 inches. Historically, about 5.8″ of rain (or its snow equivalent) occurs over approximately 9 storms each year. By 2050, projections anticipate about 5.7″ of rain over the same number of storms.
  • Flood: Flooding presents a notable risk, with about 75% of Scottsdale’s buildings facing high flood risks. On average, buildings in Scottsdale have a 23.0% likelihood of experiencing a flood roughly 2.2 feet deep over three decades. Given the dual challenges of potential extreme precipitation events and increased flooding, property owners are advised to assess their specific flood risks, perhaps referring to FEMA flood zones, and take appropriate measures to reduce potential flood damage.
  • The threat of wildfires is significant in Scottsdale, with 70% of buildings classified at a high risk. Furthermore, the most dangerous fire weather days are expected to rise in frequency through 2050. A significant factor influencing this risk is the proximity to vegetation; urban areas with dense development typically face lower fire risks compared to regions adjacent to wildlands. Given that climate change is intensifying wildfire risks by fostering hotter, drier conditions conducive to fire spread, it becomes essential for property owners to consider fire
  •  

Recommended Neighborhoods:

Greatest Scottsdale Income Growth By Neighborhood (last 5 years):

  • Ancala
  • Scottsdale Stonebrook
  • Paseo Village
  • Woodland Springs / Pima Meadows
  • Scottsdale Villas / Continental Villas East
  • Scottsdale Abrivado
  • Scottsdale Shadows
  • New Papago Parkway
  • Crystal Springs / Center Court
  • Central Scottsdale

Best Scottsdale School Neighborhoods:

  • Amber Hills / Barcelona
  • Sundown Gardens / Sundown Ranch Estates
  • Gainey Ranch / McCormick Ranch
  • Country Horizons / El Paseo
  • The Preserve
  • Trails North At Horseman S Park
  • Ancala
  • Montage / Desert Sage
  • Scottsdale Vista / La Contessa
  • Casa Privada / Scottsdale Hills

Property Crime Rates:

Overall Safety: Safer than 14% of U.S. neighborhoods

Total Crime Index: 14 (100 is safest)

Violent Crime:

  • Rate: 2.17 per 1,000 residents
  • Chance of being a victim: 1 in 461 (Scottsdale), 1 in 204 (Arizona average)

Property Crime:

  • Rate: 23.88 per 1,000 residents
  • Chance of being a victim: 1 in 42 (Scottsdale), 1 in 41 (Arizona average)

Scottsdale's crime rate is above the national average but comparable to other cities of its size. The chance of becoming a victim of either violent or property crime is 1 in 38. Violent crimes occur at a rate higher than most American communities, while property crime is also prevalent.

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.

Claims Process and Customer Service

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

Policy Limits

Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.

Premium Costs

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

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.

  • 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 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:
(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 Scottsdale, AZ

If you're in the market for a mobile or manufactured home in Scottsdale, 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 Scottsdale.

RIVIERA

Description: Riviera stands out as one of the select few affordable living options catered to adults aged 55+ in Scottsdale, Arizona, where there's an abundance of sunshine (an average of 299 days annually). It promises affordable luxury for those looking for a fresh start.

Availability: New home availability is currently limited. Prospective buyers are recommended to contact a licensed mobile home dealer for guidance.

Pueblo Sereno

Location: McKellips Road, Scottsdale, Arizona

Description: Known as "the quiet village," Pueblo Sereno is a top-tier manufactured housing community featuring 224 spacious home sites, a scenic lake with a fountain, and a suite of unmatched amenities like a gated entrance, resort-style pool & spa, golf facilities, fitness center, and more.

Note: Village Home Sales, LLC represents homes in this 55+ community, which is situated minutes away from Sky Harbor Airport and the myriad of attractions in the Phoenix-Scottsdale metro area.

Shadow Mountain Village

Location: 8780 East Mckellips Road, Scottsdale, AZ 85257

Features: A 55+ community established in 1974, it consists of 573 sites, with a mix of multi-section homes, peaked roofs, and lap siding. Some vacant sites are available.

Amenities: The community offers off-street parking, a clubhouse, sidewalks, a swimming pool, recreational facilities, and more. Pet Policy: Pets are allowed, with a restriction on small pets only.

Manufactured Home Dealers near Scottsdale, AZ

Greg at Homes Direct: Contact: 480 - 407 - 4490

Address: 6420 W. Allison Road, Chandler, AZ 85226 Josh at Factory
Contact: 480 - 994 - 2600
Address: 8610 E. Main Street, Mesa, AZ 85207

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 Scottsdale

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

This coverage provides assistance if your RV breaks
down while traveling, including towing, fuel delivery, flat tire service, and more. It can
provide peace of mind during road trips.

Due to the desert climate and occasional high winds, windstorm insurance may be important to protect against damages caused by strong winds and wind-driven debris. This coverage can help pay for repairs or replacement of the structure and personal property if they are damaged due to high winds.

Scottsdale is also located in an area prone to flash floods. Therefore, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting coverage for flood damage, which can help pay for repairs or replacement of the structure, personal property, and any costs associated with flood cleanup.

Hailstorms can cause significant damage to mobile/manufactured/prefabricated/RV homes, including the roof and windows. Hail damage coverage can help pay for repairs or replacement if the property is damaged during a hailstorm.

This type of coverage provides additional protection in the event that construction costs have increased beyond the policy limit. Extended replacement cost coverage can help ensure that mobile/manufactured/prefabricated/RV homeowners or park owners have enough coverage to replace their property if needed.

With the rise of identity theft and cyber crimes, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting identity theft coverage that could help with the recovery process if their personal information is compromised. 

It’s important to discuss these specific coverage needs with your insurance provider, as they will have a better understanding of the risks associated with Scottsdale, AZ, and can tailor a policy that meets your unique requirements. 

 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 Scottsdale AZ, don't hesitate to get a CoverTree quote now.

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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.

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