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: Tolleson faces extreme heat risks, especially during the summer months. Temperatures can rise as high as 105 °F, posing a severe risk to health and property.
Implications for Mobile/Manufactured/RV Home Owners: Extreme heat can cause a range of problems, from malfunctioning air conditioning units to potential heat damage to the vehicle’s interior and exterior. RV owners should consider finding shaded or indoor storage spaces, and invest in high-quality protective coverings specifically designed for extreme heat conditions. Ventilated indoor storage can also prevent moisture build-up, reducing the risk of mold and mildew.
Description: The area experiences a high level of thunderstorm activity, as well as a significant tornado index. These storms can come with severe wind, hail, and lightning.
Implications for Mobile/Manufactured/RV Home Owners: Given the higher susceptibility to wind and hail damage, mobile or RV homeowners should have robust safety measures in place, such as over-the-top ties for mobile homes. During tornado warnings, evacuating to a sturdier structure is strongly advised. Protective coverings can help shield against hail and minor wind damage.
Description: Tolleson has a minor risk of flooding, but when it happens, it can be sudden and severe, particularly in low-lying areas.
Implications for Mobile/Manufactured/RV Home Owners: Given that mobile and manufactured homes are often less secure than traditional structures, flood risks should not be ignored. Relocating during flood watches or warnings is advised. If the RV is stored outdoors, make sure it is on high ground to minimize flood risk.
Additional Considerations
Occurring for only three days in April, this family-friendly event held at Veterans Park features parades, carnival rides, arts and crafts vendors, and more.
Whether or not you visit during the Whoopee Daze Festival, Veterans Park and 95th Avenue Park offer amenities like covered ramadas, playgrounds, baseball fields, and basketball courts.
Located in nearby Goodyear, this offers a variety of horseback riding experiences including sunset rides and wagon adventures.
A historical site located behind Phoenix International Raceway, offering views of the Salt and Gila Rivers and the Estrella Mountain Regional Park.
A haven for nature lovers and birdwatchers, located 5 miles south of Interstate 10 on South 91st Avenue.
A beautiful spiral tower in the Estrella Mountain area offering panoramic views of the surrounding landscape.
A nearby park with a farmers’ market, picnic spots, and a soccer field.
Offers a wide range of antiques and collectibles with a southwestern flair.
Open year-round, this market is a great place for local produce, crafts, and unique Arizona-made products.
A quaint district full of historic homes, antique shops, galleries, and trendy eateries.
The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.
It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.
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.
If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.
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.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
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.
Location: 20235 N. Cave Creek Rd., #104-497, Phoenix, AZ 85024
Hours: Homes shown by appointment
Key Features: Valley Mobile Home Sales, LLC is a mobile home dealer in Phoenix, AZ, offering a variety of manufactured homes for sale. They have listings in multiple North Phoenix parks to suit different budgets and tastes. Their team of professional and friendly licensed team members can assist with buying or selling mobile homes.
Location: 5201 West Camelback Rd., Phoenix, AZ 85031
Hours: 8:00 AM - 5:00 PM, Monday - Friday
Key Features: Longhaven Estates is a mobile home dealer located in Phoenix, AZ. It's a 55+ active manufactured housing community that offers a peaceful and gated environment within the city. Phoenix's year-round sunshine, culture, golf, urban scene, and outdoor activities make it an attractive retirement destination.
Location: 10960 N 67th Ave, Glendale, AZ 85304
Hours: Monday, Tuesday, Thursday, Friday by appointment 9 AM - 4 PM, Walk-in Wednesday 10 AM - 4 PM
Key Features: Casa Del Sol Resort East is a gated 55+ retirement mobile home community in Glendale, AZ. It offers a wide range of amenities, including community-organized activities, clubhouses, putting greens, fitness centers, swimming pools, spas, on-site management, and RV storage. The community provides a convenient location, just a mile from local shopping and dining options and minutes from downtown Phoenix.
Finding the Best Mobile Home Insurance In Tolleson
Reasoning: Tolleson experiences monsoon storms. This endorsement provides coverage for damages caused by monsoon-related events like heavy rains, flash floods, and wind damage.
Reasoning: If you use your RV for desert adventures, this coverage addresses damages to or theft of specialized equipment like dirt bikes, ATVs, or dune buggies stored in your RV.
Reasoning: Desert landscaping is popular. This endorsement offers coverage for damages to desert plants, rocks, or garden features on your mobile home property.
Reasoning: Active participation in local community watch programs can enhance security. This endorsement offers a discount or coverage enhancement for participating in neighborhood watch efforts.
Reasoning: If you frequently take your RV on off-road trails, this coverage offers liability protection for accidents or injuries that might occur during off-road adventures.
Reasoning: In desert regions, wildlife encounters can occur. This coverage provides protection for damages to your RV resulting from interactions with desert wildlife, such as collisions with animals.
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.
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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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