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.
Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.
Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.
Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.
Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
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.
A 55+ sun-soaked community that promises an active lifestyle, set amidst Tempe's scenic beauty. Residents can revel in outdoor amenities like a swimming pool, fire pit, grills, and dog park. Indoors, there are games ranging from bingo to virtual bowling and even bocce ball. Regular events like movie nights, dances, and jam sessions keep spirits high. The clubhouse boasts a billiards & card room, library, and fitness center.
Perfectly located near University Drive, this community offers a resort-like atmosphere without the hefty price tag. Apart from its proximity to ASU & Downtown Tempe, residents can unwind in a swimming pool, fitness center, or the clubhouse. The community also has recreational facilities, a basketball court, and a billiards room. Nearby attractions include the Tempe Beach Park, Desert Botanical Garden, and Papago Park.
An all-age community that combines convenience and recreation. Located near major freeways, it boasts amenities like two pools, a baseball/soccer field, a sand volleyball court, and more. Families can choose from 3-bedroom homes that promise space and comfort, all while being near beautiful Kiwanis Lake and Recreation Center.
Tailored for those 55 and older, this community promises both activity and relaxation. From billiards to a scenic picnic area and a whirlpool-spa-hot tub, there's something for everyone. The community's proximity to local shopping and dining venues adds to its appeal.
Centrally located, this community offers an array of amenities like a resort-style pool, fitness center, pickleball courts, and a grand clubhouse. The ballroom with an adjacent stage is perfect for community events. Points of interest nearby include the Tempe History Museum, Tempe Town Lake, and a variety of restaurants and shopping venues.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Tempe
These are some things you should look out for in an insurance plan for Tempe:
This is the most basic coverage and protects against damage to the mobile home itself. It covers damages from a variety of perils, including fire, wind, hail, theft, and vandalism. Given Tempe’s climate, coverage against extreme weather events can be particularly valuable.
This covers the contents of the mobile home, including furniture, appliances, electronics, and personal belongings. It provides protection in case of theft, fire, or other covered perils. It’s crucial for homeowners to estimate the value of their possessions accurately.
Should someone get injured on your property, or if you unintentionally cause injury or property damage to others, this coverage can protect against the costs of legal fees or potential lawsuits.
For mobile homeowners who occasionally relocate their homes, this is essential. It covers any damage to your mobile home while it’s being moved from one place to another.
Mobile homes often have structures like porches, decks, or carports attached. Standard policies might not cover these, so an additional option to insure them is necessary.
Standard mobile home policies often don’t cover natural disasters like floods and earthquakes. Given the potential for flash floods in Arizona and its proximity to seismic activity, it’s wise for homeowners in Tempe to consider adding these coverages, especially if their home is in a vulnerable area.
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 Tempe, AZ, and can tailor a policy that meets your unique requirements. CoverTree can help you with the easiest quote on the market
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
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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.
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