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.
Does Sierra Vista have Wildfire Risk?
Sierra Vista is facing a significant threat from wildfires. Over the next three decades, every property in the city, totaling 15,952, is at some risk from wildfires. These fires not only jeopardize properties but can disrupt utilities, hinder emergency services, block evacuation routes, and have broader economic implications.
Sierra Vista Wildfire Risk Breakdown:
Given these statistics, the city needs to prioritize preventive measures and ensure adequate firefighting and evacuation resources are in place.
Monsoon season spans from June to September. With it comes increased humidity, fluctuating temperatures, and the potential for various extreme weather phenomena, including thunderstorms, lightning, heavy rain, hail, flash flooding, and strong winds.
Monsoon Safety Driving Tips:
Microbursts, intense small-scale downdrafts, can cause damage equivalent to a tornado. Sierra Vista has previously experienced the wrath of such events.
In a past incident, a particular microburst storm impacted Cochise County residents profoundly. The brief yet intense storm, lasting 2-3 minutes, led to significant damage. Affected areas saw:
Given their swift and destructive nature, it’s crucial for residents to have a better understanding of microbursts and take protective measures when they occur.
Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.
If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.
Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.
Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.
While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
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.
Features:
Gated community
Active living with a range of activities
Professionally maintained
Competitive amenities in Southern Arizona
Features:
Resident Activities:
Dog walking
Horseshoes
Community Garden
Rec Hall with TV, etc.
Accommodates both RV and mobile homes
Pricing:
RV 30 and 50 Amps: Starting at $45.00/day
Weekly rates: Starting at $200.00
Monthly rates: Starting at $450.00
Resort-style amenities
Full hookup RV sites with mountain views, picnic areas, and showers
Pet-friendly with onsite management
Upcoming Amenities (to be completed in 2024):
Pool
Hot tub
Clubhouse
Playground
Laundry
Dog park
Special “Pardon Our Progress” rates available
Features:
Located in the hummingbird capital of the United States
Central to mountains, canyons, wildlife, a river, historical towns, and forts
On-site professional maintenance staff
Contact for RV Reservations: (520) 255-1050
Features:
Competitive pricing,
Superior quality
Exceptional service
Local family-owned business serving Cochise County
Motto: "Your Room Your Way"
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Sierra Vista
If you are unable to live in your mobile home
or RV due to a covered loss, this coverage can help pay for temporary housing and
other related expenses while your home is being repaired or replaced.
Mobile homes can be targets for theft and vandalism, so having coverage to protect against these risks is essential. This coverage can help cover the cost of repairing or replacing stolen or damaged property.
This coverage protects against damage caused by sewer or water backups into your home. It can help pay for repairs and cleanup if you experience a backup.
This coverage protects you if someone gets injured while you are using your RV as a temporary residence or vacation home. It offers personal liability coverage similar to what you would have with homeowner’s insurance.]
This coverage protects your personal belongings inside the RV, such as clothing, electronics, and camping gear. It helps replace or repair these items in case of theft, loss, or damage.
This coverage protects against direct, abrupt, and accidental physical losses unless specifically excluded in the policy. Comprehensive coverage offers protection against multiple types of damage to mobile/manufactured/prefabricated/RV homes, including damage caused by fire, theft, and other natural disasters. This coverage can help pay for repairs, replacement of the structure, and personal property.
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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