Protect Your Manufactured Home In Somerton, AZ.

Covertree’s Comprehensive Guide.

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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 Somerton, AZ: Costs, Coverage, and Considerations

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.

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:

Home Value

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Age and Condition

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Insurance Score

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 Somerton, 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 Somerton, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Somerton, AZ

1. Earthquake Risk

Description:

The earthquake index value for Somerton, AZ, is significantly higher than the state and national averages, indicating a higher susceptibility to seismic events.

Implications for RV/Manufactured/Mobile Home Owners:

For manufactured and mobile homes, consider installing earthquake-resistant bracing systems.
RV owners should look into earthquake-resistant anchoring systems and know the nearest safe locations to move the RV in case of an earthquake.
Emergency preparedness kits, including first aid supplies and essential provisions, should be kept readily available in all types of homes.

2. Extreme Heat and UV Radiation

Description:

Somerton experiences extreme heat and high levels of UV radiation, especially during the summer months.

Implications for RV/Manufactured/Mobile Home Owners:

High-quality, UV-resistant covers are advised for protecting the exterior of RVs and mobile homes.
For manufactured homes, installing sun shades and using reflective or light-colored materials can help in reducing heat.
Air conditioning systems should be regularly checked and maintained to ensure they function correctly during extreme heat conditions.

3. Tornado and Thunderstorm Risks

Description:

While tornadoes are less frequent, thunderstorms with strong winds, hail, and floods are more common in the Somerton area.

Implications for RV/Manufactured/Mobile Home Owners:

RV owners should have an emergency plan that includes moving the vehicle to a robust structure that can withstand high winds, if possible.
Manufactured and mobile home owners should consider investing in tie-downs and anchors that can help secure the home during storms.
Weather alert systems should be in place to provide timely warnings so that residents can take appropriate safety measures, such as evacuating or moving to a more secure location.

Given the variety of weather risks, owners of RVs, manufactured homes, and mobile homes in Somerton should stay informed about the local weather conditions and take necessary precautions to safeguard their property and lives.

Recommended Attractions in Somerton, AZ

Discover the charm and history of Somerton, Arizona with this list of attractions and activities suitable for all ages.

1. Wild River Family Entertainment Center

Part of the Cocopah Tribal Casino, this family-friendly center offers cosmic bowling, laser tag, arcade games, and much more. It’s the perfect place for a fun-filled day.

2. Visit Somerton Parks

Both Perricone Park and Somerton Park offer a peaceful escape within the city. These parks are ideal for picnics and sometimes host events and fairs.

3. Casa De Coronado Museum

Located in Yuma, this museum provides a deep dive into the history of one of Arizona’s iconic motels and its evolution through the years.

4. Cocopah Casino

Operated by the Cocopah Tribe, the casino offers gaming options alongside top-notch amenities, delicious food, and seasonal events and exhibits.

5. Center of the World

A quirky monument in Felicity, California, this site claims to be the center of the world. Though not scientifically proven, it’s a unique place to visit.

6. Yuma Territorial Prison State Historical Park

Travel back to the late 1800s and experience the life of a prisoner during Arizona’s territorial days. The park even has its own cemetery, said to be haunted.

7. Somerton Branch Library

Besides a wide range of books, this library also offers local history resources. It’s a great place to relax and learn more about the area.

8. Yuma Conservation Garden

Open from November to April, this garden showcases Arizona’s native plants and wildlife. It also has a farm equipment exhibit.

9. Yuma River Tubing

Float down the Colorado River for a relaxed adventure through scenic surroundings. The company provides tubes and transportation.

10. Brinley Avenue Historic District

This district in Yuma is known for its historic buildings, boutiques, cafes, and museums. A great place for a leisurely stroll.

Property Crime Rates in Somerton, AZ

Specific Crime Rates (per 100,000):

Comparison with Similar-Sized Communities:

Types of Violent Crimes Tracked:

Types of Property Crimes Tracked:

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.

Discounts and Bundling Options:

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.

Look Over the Details:

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.

Review and Compare Quotes:

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!

Cancellation Policy:

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Potential Rate Increases:

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Local Ordinances or Laws:

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

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 in AZ

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!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

Affidavit of Affixture

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).

Buying a Used Mobile Home

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 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

Home Relocation Fund in the case of:

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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 Somerton, AZ

If you're in the market for a mobile or manufactured home in Somerton, it's important to have access to reliable and trustworthy information. Somerton, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Somerton has something for everyone.

Southern Mesa RV Resort

Community Features: Flake All Ages Community

Location: 18540 S Avenue 3E, Yuma, AZ 85365

Key Features: This RV resort in Yuma, Arizona, offers various amenities and features. While specific details are not provided, it mentions pet-friendliness, off-street parking, a clubhouse, sidewalks, a swimming pool, and recreational facilities. It's an all-ages community, so there are no age restrictions, making it suitable for a diverse range of residents.

Westward Village Mobile Park

Community Features: Age-Restricted (55+) Community

Location: 3300 South 8th Avenue, Yuma, AZ 85365

Key Features: This mobile park in Yuma, Arizona, is an age-restricted community for individuals aged 55 and older. It offers a range of amenities and features, including a clubhouse, sidewalks, recreational facilities, and more. There are pet restrictions, allowing pets that are 15 pounds and under. Additionally, it mentions the availability of homes for sale within the community.

Cactus Gardens

Community Features: Age-Qualified (55+) Encore Resort

Location: 10657 South Avenue 9-E, Yuma, AZ 85365

Key Features: Cactus Gardens is an age-qualified Encore Resort in Yuma, Arizona. It features 428 sites and 14 acres of space for residents. The community offers wide asphalt streets, gravel sites, concrete patios, and trees at most sites. It's known for its sunny location in Arizona, with over 300 days of sunshine, and its proximity to the Colorado River and Imperial Dam. The community keeps residents engaged with various activities, including jam sessions, breakfasts, church services, and more.

Somerton's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Somerton

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!

Mobile Home Monsoon Storm Protection:

Reasoning: Somerton experiences monsoon storms. This endorsement provides coverage for damages caused by monsoon-related events like heavy rains, strong winds, and flooding.

RV Desert Oasis Liability Coverage:

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.

Mobile Home Water Harvesting System Coverage:

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.

Mobile Home Neighborhood Beautification Participation Coverage:

Reasoning: Participating in community beautification efforts can reduce crime. This endorsement offers a discount or coverage enhancement for participating in local neighborhood beautification projects.

RV Desert Wildlife Protection Coverage:

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.

RV Desert Rally Liability Coverage:

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.

What Additional Services Can You Get Covered?