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.
Welcome to Somerton, Arizona – a vibrant and diverse town located in Yuma County. Known for its rich cultural heritage, agricultural roots, and strong community spirit, Somerton offers a unique blend of small-town charm and modern amenities. Somerton’s cultural richness is evident in its numerous annual celebrations and events. The town hosts the annual Tamale Festival, a much-anticipated event that showcases traditional Mexican cuisine, music, and dances. The festival attracts visitors from near and far, providing a chance to experience the vibrant culture and flavors of Somerton. The town is also known for its lively Cinco de Mayo celebrations, where residents come together to commemorate Mexican heritage with parades, music, and delicious food.
Agriculture plays a significant role in Somerton’s history and economy. The town is surrounded by lush farmlands, and the fertile soil of the Colorado River Valley supports a variety of crops. The sweet aroma of citrus groves fills the air, and fields of lettuce, cotton, and chilies stretch as far as the eye can see. Somerton’s farmers markets offer fresh, locally grown produce, allowing residents to support local agriculture and enjoy the flavors of the land.
Somerton values education and provides excellent educational opportunities for its residents. The town is home to quality schools that prioritize academic excellence and offer a range of extracurricular activities. The town’s commitment to education can be seen in its newly built library and community center, providing a space for learning, exploration, and community gatherings. The town’s strong sense of community is evident in its numerous parks, recreational facilities, and community events. The Somerton Municipal Pool offers a refreshing escape from the Arizona heat, while the Somerton Recreation Center provides a place for residents of all ages to engage in sports and fitness activities. The town also hosts various events throughout the year, such as festivals, carnivals, and farmers markets, bringing residents together to connect, celebrate, and have fun.
Somerton’s location near the border with Mexico adds an international flavor to the town. The Mexican influence can be seen in its authentic Mexican restaurants, vibrant street art, and nearby border town of San Luis Rio Colorado. Residents have the opportunity to experience the best of both worlds – the rich culture of Mexico and the amenities of a modern American town. Welcome to Somerton, Arizona, where tradition meets progress and community thrives. Whether you’re in search of cultural experiences, agricultural beauty, or a close-knit community, Somerton has something for everyone. Experience the vibrant colors, delicious flavors, and warm hospitality of Somerton – a place where diverse cultures unite, and neighbors become like family.
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.
The 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.
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 Somerton, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Discover the charm and history of Somerton, Arizona with this list of attractions and activities suitable for all ages.
Somerton, AZ presents a relatively positive picture when it comes to crime rates. It is safer than a majority of communities in Arizona and performs particularly well when compared to cities of similar size in the U.S. While its violent and property crime rates are about average, the likelihood of becoming a victim is fairly low, especially for violent crimes.
The data suggests that residents in Somerton live in a community that is generally safer than many other areas, both in Arizona and across the U.S., especially when compared to other communities of similar size. However, since the rates for violent and property crimes are about average, there’s always room for improvement through community action, law enforcement efforts, and other safety initiatives.
Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.
Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.
Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!
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.
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.
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.
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 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
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.
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:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Somerton’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!
Reasoning: Somerton experiences monsoon storms. This endorsement provides coverage for damages caused by monsoon-related events like heavy rains, strong winds, and flooding.
Reasoning: If you frequently host desert gatherings or events from your RV, this coverage offers liability protection for accidents or injuries that might occur during these activities.
Reasoning: Water harvesting is common in desert regions. This endorsement offers coverage for the installation and maintenance of water harvesting systems on your mobile home property.
Reasoning: Participating in community beautification efforts can reduce crime. This endorsement offers a discount or coverage enhancement for participating in local neighborhood beautification projects.
Reasoning: In desert areas, wildlife encounters can happen. This coverage provides protection for damages to your RV resulting from interactions with desert wildlife, such as scratches or dents from wildlife encounters.
Reasoning: If you participate in desert rallies or off-road events in your RV, this coverage offers liability protection for accidents or injuries that might occur during these activities.
