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.
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.
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.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Tucson
These are some things you should look out for in an insurance plan for Tucson:
Given the extreme heat and intense sunlight in Tucson, many mobile homes have rooftop equipment, such as solar panels or HVAC units. Ensure that your insurance policy includes coverage for damages to these rooftop installations, as they are vital components of your home.
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.
The soil in Tucson can experience shifting and settling. Look for an insurance policy that includes coverage for damages to your mobile home’s foundation or structural elements caused by ground movement.
Tucson is known for its golf courses, and errant golf balls can potentially cause damages to mobile homes situated near them. Consider a policy that covers damages caused by golf balls, including broken windows, dented siding, or other impacts.
Tucson has a diverse wildlife population, which can sometimes lead to animal intrusions in mobile homes. Ensure that your policy includes coverage for damages caused by wildlife, such as damage from pests, birds, or other animals entering the home.
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
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