Covertree’s Comprehensive Guide.
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.
Description:
Snowflake experiences significant temperature swings, with hot summers that can reach up to 90°F and cold winters with lows of around 20°F.
Implications for RV/Manufactured Home Owners:
These drastic temperature changes can be damaging to RVs and manufactured homes, affecting everything from the vehicle/housing unit’s paint to its internal systems. In the summer, UV-protective covers are advised to guard against paint damage and fading. In the winter, thermal covers and antifreeze are essential to protect the internal systems from freezing. Indoor storage can provide all-year-round protection from extreme temperatures.
Description:
According to the data, 14% of properties in Snowflake face a significant risk of being severely affected by flooding over the next 30 years.
Implications for RV/Manufactured Home Owners:
For RV and manufactured home owners, this means considering storage options that are not in flood-prone areas. Elevating the vehicle or choosing storage facilities that are elevated can reduce the risk of water damage. Additionally, flood insurance could be a wise investment.
Description:
Approximately 90% of all properties in Snowflake have some level of wildfire risk over the next 30 years. Though the overall risk level is considered moderate, the high percentage of properties at risk cannot be ignored.
Implications for RV/Manufactured Home Owners:
Given the wildfire risk, it’s crucial for RV and manufactured home owners to have an evacuation plan in place. Parking your vehicle/home in a fire-resistant zone or facility is advised. Additionally, keep emergency supplies in the RV and ensure that all fire safety equipment like extinguishers and smoke detectors are in good working condition.
Snowflake is near the White Mountains, offering various hiking trails for nature enthusiasts. The trails range from beginner to expert levels.
Even if you’re not of the Mormon faith, the Snowflake Temple offers striking architecture and stunning views of the town below. The interior features stained glass, artwork, and Native American crafts.
Located near Main Street, this museum offers a peek into the pioneer and Native American history of the region. The museum is operated by the Snowflake-Taylor Chamber of Commerce.
Enjoy a game of golf surrounded by breathtaking pine and cottonwood-forested mountains. The course offers leagues, tournaments, and lessons, catering to golfers of all levels.
Visit during the fall for pumpkin picking and various seasonal activities. With everything from pumpkin launchers to haunted corn mazes, it’s a family favorite.
This free museum in nearby Show Low offers fascinating insights into the local history and culture, with exhibits from the pioneer era and beyond.
This local park is a perfect spot for a relaxed afternoon, offering playgrounds for kids and open spaces for picnics and sunset viewing.
Located in nearby Taylor, this airsoft battlefield offers a thrilling experience for families. Gear, guns, and ammo rentals are available on-site.
Situated within the Apache-Sitgreaves National Forest, this park offers camping, fishing, and hiking opportunities. It’s located just 30 minutes south of Snowflake.
Though not in service, this historic train station offers a glimpse into Snowflake’s past. It’s a popular spot for photography enthusiasts.
If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.
Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.
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.
Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.
Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.
Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.
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.
Flake Mobile Home Park is an all-ages community located at 202 North Third Street West, Snowflake, AZ 85937. Here are some details about this community:
Community Features: Flake Mobile Home Park features sidewalks, and the street width is average.
Age Restrictions: No age restrictions, which means it's open to residents of all ages.
Number of Sites: TThere are 16 sites in this community.
Homes with Peaked Roofs: 75%
Homes with Lap Siding: 55%
Distance to Water: Approximately 6.6 miles.
Clayton Homes is a well-known name in the manufactured and modular home industry. They offer a wide range of manufactured, modular, and mobile homes to suit various budgets and lifestyles. Here are some key points about Clayton Homes:
Home Variety : Clayton Homes provides a variety of home models and floor plans, ranging from single-wide homes to luxurious triple-wide models.
Energy Efficiency: Clayton Homes places a strong emphasis on energy efficiency in their homes. They offer EnergySmart Zero™ homes designed to save homeowners money on energy costs over the life of their homes.
Built to Last: The company takes pride in constructing homes built to last. Quality products from trusted brands are used in the building process, ensuring that homes are durable and can withstand the test of time with proper maintenance.
Exceptional Service: Clayton Homes is committed to providing exceptional service to its customers. Their experienced team helps guide customers through the process of finding the right home and assists with any questions or concerns.
Gulf Stream RV Source is a platform dedicated to connecting buyers with both new and used Gulf Stream Coach RVs. Gulf Stream Coach is a manufacturer known for producing a variety of recreational vehicles, including travel trailers, motorhomes, and more. Here are some points about Gulf Stream RV Source:
RV Listings : Gulf Stream RV Source serves as a hub where individuals and dealers can list Gulf Stream Coach RVs for sale. It provides a comprehensive inventory of Gulf Stream RVs, making it easier for potential buyers to find the perfect RV.
Filtering and Research: The platform allows users to filter listings based on various criteria, such as model, condition, price, and location. This makes it convenient for RV enthusiasts to research and find the RV that suits their preferences.
Nationwide Coverage: Gulf Stream RV Source features listings from various states across the United States. This nationwide coverage ensures that buyers have a wide selection of Gulf Stream RVs to choose from.
Additional Resources: In addition to listings, the platform may offer additional resources such as RV specifications, information about Gulf Stream Coach, and tips for buying and selling RVs.
Finding the Best Mobile Home Insurance In Snowflake
Reasoning: Snowfall is common in the area. This endorsement offers coverage for strengthening your mobile home’s roof to withstand heavy snow loads and prevent damage.
Reasoning: During the winter months, many RVers store their vehicles. This coverage provides protection for the winterization process and storage-related damages.
Reasoning: Ice dams can form on roofs during winter. This endorsement provides coverage for the installation of ice dam prevention measures to protect your mobile home.
Reasoning: Snowflake may have community ice rinks. If you or your community maintains an ice rink, this coverage offers liability protection for accidents or injuries that might occur at the rink.
Reasoning: Snowflake offers winter adventure opportunities. This coverage addresses damages or theft of winter adventure gear like snowmobiles, skis, or snowboards stored in your RV.
Reasoning: If you park your RV in campgrounds during winter, this coverage offers liability protection for accidents or injuries that might occur in snowy or icy conditions.
References:
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.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
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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