Covertree’s Comprehensive Guide!
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In 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.
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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