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: Thunderstorms appear to be the most frequent weather event in Wickenburg, with a total of 239 recorded events. These storms can bring heavy rainfall, strong winds, and sometimes hail, posing a risk to property and safety.
Implications for Mobile/Manufactured/RV Home Owners: Thunderstorms can be particularly damaging to lighter structures like mobile homes and RVs. It’s essential to secure your home with storm straps or anchors. RVs and mobile homes should be relocated to safer, sturdier structures when a severe storm warning is in effect. Always have an emergency kit ready and be prepared to evacuate if necessary.
Description: With 87 recorded events, hail is another notable weather risk. Hail can cause significant damage to vehicles, roofs, and other exposed structures.
Implications for Mobile/Manufactured/RV Home Owners: Protective coverings are highly recommended to mitigate hail damage. Indoor storage for RVs can provide the best protection. Reinforced roofing materials can also provide an extra layer of protection for mobile and manufactured homes.
Description: Although not as frequent as other events, Wickenburg has recorded 30 flood events. Flooding can lead to property damage and pose serious health risks due to contaminated water.
Implications for Mobile/Manufactured/RV Home Owners: Ensure your home is elevated on a floodplain, if possible, to mitigate risks. Portable barriers can help protect against minor flooding. In the case of a flood warning, evacuation to higher ground is strongly advised.
23 per 1,000 residents
Experience the desert in full bloom. Roadsides and the landscape are washed in color thanks to Desert Marigolds, Brittle Bush, Lupine, Mexican Gold Poppy, and more. Note that seasonal conditions can affect the bloom.
Located just north of Wickenburg on Highway 93, this unique forest sports huge cream flower stalks when in bloom.
A popular hiking destination with breathtaking views. Certificates are awarded to those who complete the hike.
A stunning natural preserve that’s perfect for a day of outdoor adventure.
Learn about Arizona and Western American history through an impressive collection of artifacts and art. Admission charged.
A 600-seat venue featuring a variety of performances from country to classical.
Choose from three stunning courses: Rancho de los Caballeros, Wickenburg Golf Club, and Big Wick at Wickenburg Ranch.
Make use of the hiking guide for exploring the desert trails safely.
Step back in time and explore this historic mining town. Tours available October through May.
A self-guided tour of historic buildings and interactive bronze statues around the town.
A living testament to Wickenburg’s past, this mesquite tree served as the town’s first jail. It has also been recognized as one of Arizona’s “Magnificent 7” Heritage Trees.
A historical marker commemorating the lives lost in an 1871 Apache-Mohave warrior attack.
A beautifully preserved steam engine, located on Frontier Street near the Santa Fe Depot.
A historical railroad car that once transported cowboys and cattle from Montana to California.
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!
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.
Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.
Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.
If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.
If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.
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: 51802 US Highway 60/89, Wickenburg, AZ 85390
Community Type: Age-Restricted (55+)
Pet Policies: Pets allowed on a leash with breed restrictions
Key Features: Horspitality RV is an age-restricted community with 100 sites located in Wickenburg. It offers various amenities, including a clubhouse, recreational facilities, and RV sites. This community provides a relaxed and friendly environment for residents aged 55 and over.
Location: 2501 W Wickenburg Way, Wickenburg, AZ 85390
Hours: Monday - Friday, 8 a.m. - 4 p.m.
Key Features: Westpark is a 55+ retirement mobile home community in Wickenburg. The community features a spacious clubhouse, community-organized activities, shuffleboard and tennis courts, a swimming pool, fitness center, billiard facilities, and more. It offers a convenient and comfortable living environment for retirees.
Location: 1855 West Wickenburg Way, Wickenburg, AZ 85390
Community Type: Age-Restricted (55+)
Pet Policies: Pets allowed with size and breed restrictions
Key Features: Country Club Park is an age-restricted community with 140 sites in Wickenburg. It offers amenities such as a clubhouse, swimming pool, shuffleboard court, billiard room, library, fitness center, and planned social activities. The community provides a welcoming environment for residents aged 55 and over.
Finding the Best Mobile Home Insurance In Wickenburg
Reasoning: Wickenburg has a rich Western heritage. This endorsement provides coverage for the costs associated with preserving Western heritage elements on or around your mobile home property.
Reasoning: If you keep horses or participate in equestrian activities with your RV, this coverage offers liability protection for accidents or injuries related to horse activities.
Reasoning: Adobe structures are common. This endorsement offers coverage for the restoration and maintenance of adobe elements on your mobile home property.
Reasoning: If you host local events or gatherings on your mobile home property, this coverage offers liability protection for accidents or injuries that might occur during these events.
Reasoning: Many RVers have cowboy gear. This coverage addresses damages to or theft of cowboy gear, including saddles, boots, or Western attire stored in your RV.
Reasoning: If you attend or host desert festivals or events in your RV, this coverage offers liability protection for accidents or injuries that might occur during these gatherings.
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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