Any questions?
(877) 417-8733

Protecting Your Manufactured Home In Sedona, AZ.

Covertree’s Comprehensive Guide!

Powered by

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 Sedona, AZ: Costs, Coverage, and Considerations

Welcome Sedona, AZ - Sedona, AZ is a premier tourism, recreation, resort, retirement, and art center. It is located in the stunning Red Rock Country and at the mouth of scenic Oak Creek Canyon, offering breathtaking panoramas and a mild climate. Sedona attracts over three million visitors annually and is known for its arts, culture, galleries, and diverse culinary scene.

Sedona's economy is heavily reliant on tourism, with millions of people visiting the area each year. The city's arts, culture, and music festivals draw talented artists and performers from around the world. Sedona's natural beauty, hiking trails, golf courses, and tennis facilities make it an ideal destination for outdoor enthusiasts.

Sedona offers a wide range of attractions for visitors to enjoy. From world-class resorts to small motels and family-run bed and breakfast inns, there are accommodation options for every taste. The city is also home to unique shops, diverse art galleries, and spiritual and metaphysical offerings. Attractions in the area include Oak Creek Canyon, Slide Rock State Park, Red Rock State Park, Chapel of the Holy Cross, the Sedona Arts Center, Tlaquepaque, and Uptown Sedona with its retail shops, restaurants, and lodging facilities.

Sedona provides a variety of public park amenities, such as picnic ramadas, playgrounds, softball and soccer fields, and courts for basketball, tennis, pickleball, and volleyball. The city also has a dog park, skate park, military service park, performing arts venue, splash park, community pool, and wetlands preserve for wildlife viewing. Other community facilities include a community center, library, golf course, theaters, a historic museum, a performing arts center, and state-of-the-art medical facilities.

Sedona's high desert terrain and mild four-season climate make it a perfect destination for outdoor activities year-round. Hiking, biking, golfing, and tennis are popular pursuits in the area. The unique red rock formations and sandstone towers make for stunning vistas and have been featured in many motion pictures. Sedona is also known for its energy vortexes, which are believed to have healing and spiritual properties.

With its thriving arts community, Sedona is a hub for visual and performing arts. The city is home to numerous galleries showcasing impressive artwork from local and international artists. Visitors can explore Sedona's art scene, attend plays and festivals, and revel in the vibrant cultural offerings. The recognition of Sedona's cultural significance is evident in its designation as a must-visit Arizona attraction.

To fully experience everything Sedona has to offer, it is recommended to plan for more than just a day or a weekend. The city's natural beauty, healing energy, outdoor activities, artistic offerings, and spiritual significance make it a truly unique and captivating destination. So grab your hiking boots and immerse yourself in the wonders of Sedona's red rocks and invigorating environment.

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 Sedona, 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 Sedona, 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 Sedona, AZ:

Weather Risks:

  • Sedona faces significant flood risks, which could severely affect local properties and infrastructure:

    • Affected Properties: Of all properties in Sedona, 20% have a major chance of being significantly impacted by flooding within the next 30 years. This means 1,327 properties might face severe flood damage.
    • Economic and Social Impacts: Beyond property damage, floods can disrupt utilities, transportation, emergency services, and negatively influence the economic well-being of Sedona.
    • Infrastructure at Risk: Major flooding risks are seen in residential areas (1,340 out of 6,347 homes), commercial sectors (147 out of 518 commercial properties), and social facilities (15 out of 52). Even the critical infrastructure isn’t completely safe, with one out of 27 facilities at minor risk.
  • While tornadoes aren’t as common as floods, they’ve historically impacted the region around Sedona:

    • Historical Incidences: From 1950-2010, six significant tornadoes (magnitude 2 or above) have been recorded in or near Sedona, AZ. The most notable ones occurred on October 6, 2010, with tornado tracks ranging from 3 miles to an extensive 34 miles.
    • Potential Damage: These tornadoes can cause forest damage, disrupt transportation by overturning vehicles, and even derail train cars. Infrastructure damage from such events can strain emergency response capabilities and necessitate significant financial resources for repairs.
  • Climate change exacerbates both flooding and tornado risks and introduces new challenges:

    • Temperature Rise: Sedona could experience an increase in summer heatwaves, droughts, and the number of days per year with temperatures above 100°F could increase dramatically.
    • Wildfires: With rising temperatures come larger and more frequent wildfires, which will deteriorate air quality and present significant threats to property and lives.
    • Storms: Expect heavier and more frequent storms, leading to intensified flooding and wind damage.
    • Health Concerns: The combination of poor air quality, extreme heat, and dust storms will heighten adverse health impacts, including the spread of vector-borne diseases like West Nile virus.
    • Economic Impacts: Key sectors, such as agriculture and tourism, might be negatively affected by extreme weather events, water scarcity, and temperature changes.

Recommended Neighborhoods:

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

Best Sedona School Neighborhoods:

Property Crime Rates:

When compared nationally, Sedona's violent crime rate is approximately average for its population size. The risk of becoming a victim of violent crime in Sedona is roughly similar to the national average.

Property Crime

When compared to other communities in Arizona, Sedona's crime rate is lower than roughly 47% of them. For its size, Sedona's property crime rate is average when compared to other similarly sized communities across the U.S. There is an above-average chance of becoming a victim of property crime in Sedona compared to the national average. Sedona, AZ has a crime rate that is somewhat average, with the chances of being a victim of violent crime being similar to the national average. However, residents are at a higher risk for property crimes when compared to the national average. It's always advised for residents and visitors to stay vigilant and take precautions, as is wise in any city or town.

Age and Condition of the Home

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Coverage for Personal Belongings

Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.

Regular Policy Review

Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.

Coverage for Relocation

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.


Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.

Payment Options

Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.

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 Sedona, AZ

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

Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in and around Sedona, AZ when it comes to manufactured homes and related services.

Sedona Shadows

This is a 55+ manufactured home community in Sedona that may offer both homes for sale and for rent.

R-Anell Homes

Located just outside the Sedona area in Pinetop, AZ, R-Anell Homes is a manufactured and modular homebuilder that offers a range of customizable floor plans to meet a variety of housing needs. They provide a range of energy-efficient features and options that can help you save money on your utility bills.

Palm Harbor Homes

With locations in Phoenix and Tucson, Palm Harbor Homes has been serving Arizona residents for over 40 years. They offer a range of mobile, manufactured, and modular homes built with quality craftsmanship and designed to meet a variety of lifestyle needs. Additionally, they offer financing and insurance services options to make home buying easier.

Clayton Homes

With two locations in Tucson, Clayton Homes offers a range of manufactured and modular homes with customizable floor plans and high-quality features. Their manufactured homes can be built to HUD code, and they offer a range of energy-efficient and other options and upgrades. Furthermore, they provide financing assistance and have a vast selection of homes that can meet various budgets.

J & M Homes LLC

With several locations throughout Arizona, J & M Homes LLC is a manufactured and modular home dealership that offers a range of new and pre-owned manufactured homes from various manufactures such as Fleetwood Homes, Cavco Homes, and Schult Homes. Some of the benefits of working with J&M Homes are competitive pricing, customization options, and finance options.

Pine Shadows

Located in Cottonwood, AZ, just 18 miles away from Sedona, Pine Shadows is a 55+ active adult community offering both manufactured homes and RV spaces. With a great location, affordable rates, and easy access to amenities such as shopping centers, golf courses, and health facilities, Pine Shadows offers an ideal combination of location and quality living.

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 Sedona

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

Given the climate and weather conditions in Sedona, AZ, it’s crucial to have coverage for specific weather-related events such as windstorms, hail, or monsoons. Checking the specifics of the policy to ensure these perils are covered is important.

 If you own a boat or other watercraft, this coverage can help protect you from legal liability if someone is injured while on your vessel or if your boat causes damage to someone else’s property.

For mobile and manufactured homeowners with decks, patios, retaining walls, and sheds, outdoor property coverage helps protect these structures from damage or destruction due to weather-related incidents.

If you work from home, this coverage can protect your home and business assets against damages and liabilities.

Helps cover the additional costs of rebuilding your home to meet updated local building codes after it has been damaged.

Provides coverage for eco-friendly upgrades to your home, such as solar panels, eco-friendly heating and cooling systems, and more. 

Extends liability coverage when you are using your RV as a vacation residence, offering protection against injuries that occur at your campsite.

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



Select the State You Want To View Cities In Map

CoverTree Brand Logo

Any questions?
+1 (877) 417-8733

Enter your address for an instant quote.

Street Address

Based on your state, we can help you better on the phone

Call us at (877) 417-8733 or submit your information below