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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: Flooding is a significant concern, with 897 properties in Youngtown likely to be severely affected over the next 30 years. Extreme weather conditions, especially monsoons, can lead to heavy rainfall and subsequent flooding.
Implications for Mobile/Manufactured/RV Home Owners: Ensure your home is not located in a flood-prone zone. Even if it isn’t, have an evacuation plan and emergency supplies ready. Mobile homes should be elevated to minimize flood risks.
Description: A total of 2,556 properties in Youngtown are at some risk of being in a wildfire within the next 30 years.
Implications for Mobile/Manufactured/RV Home Owners: Maintain a defensible space around your property by clearing flammable vegetation. Consider fire-resistant materials for your home’s exterior, and always have an evacuation plan.
Description: Youngtown is expected to see a 171.4% increase in the number of days over 113°F over the next 30 years. Prolonged exposure to such high temperatures is a public health concern.
Implications for Mobile/Manufactured/RV Home Owners: Ensure that your home has effective cooling systems. Consider installing shades, awnings, or reflective materials to deflect heat. Also, ensure that you have an adequate water supply.
Located just 15 minutes from Youngtown, this casino offers gaming, live entertainment, and dining options that rival Las Vegas.
From history and culture to outdoor activities and family fun, there’s something for everyone in and around Youngtown, Arizona
Just minutes from Youngtown, this farmer’s market is a community hub where you can buy fresh produce and unique products while supporting local businesses.
Located in nearby Surprise, this shop offers authentic southwest merchandise, including plants, pottery, and ornaments imported from Mexico or made locally.
This family fun center in Peoria has trampolines, slides, and obstacle courses to keep kids entertained. It’s open 7 days a week and offers birthday party packages.
Take a deep dive into the history of the west valley towns, including Youngtown, at this museum. It features thousands of photos, films, and oral accounts of the area.
Located in El Mirage, the park offers an adrenaline-pumping experience with obstacles and ambush points. Great for corporate team building events or just plain fun.
Found in El Mirage, this park is a free space that offers a skate park, basketball courts, a splash park, and picnic areas.
Located in Phoenix, this museum is a world-renowned center for Native American art and culture, just a 20-minute drive from Youngtown.
This free, outdoor concert series features live bands performing a variety of genres. It’s a great way to enjoy an evening in the outdoors.
Explore the trails, wildlife, and Native American petroglyphs at this park located a few miles west of Youngtown.
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.
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.
Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.
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.
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.
Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.
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: El Mirage, Arizona
Description: Coppersun is an ideal 55+ manufactured mobile home community in El Mirage, AZ. It offers a relaxed and comfortable environment for retirees, with amenities and services that support an active and carefree lifestyle. The community is conveniently located near Glendale, Sunrise, and Surprise.
Community Amenities: Coppersun provides a range of amenities, including a clubhouse for indoor activities, a fitness center, sporting facilities, various outdoor activities, a swimming pool, and a spa.
Available Homes: Several manufactured mobile homes are available for sale within the community, with different sizes and features.
Contact: You can contact them for more information or to inquire about available homes.
Location: Peoria, Arizona
Description: Sevilla Sol is a 55+ active adult community located in Peoria, AZ. It offers beautiful homes in a scenic community with proximity to nature, rivers, golf courses, entertainment, and more. Residents can enjoy a wide range of activities and entertainment options near Phoenix.
Community Amenities: The community features a clubhouse for socializing, a swimming pool, and a calendar of activities and events.
Available Homes: Several homes are available for sale within the community, offering different sizes and features.
Proximity: Sevilla Sol is just 16 miles from downtown Phoenix.
Contact: You can contact them for more information about available homes.
Location: Peoria, Arizona
Description: Apollo Village is a 55+ retirement mobile home community situated in Peoria, AZ. It provides a small-town atmosphere within the Peoria metro area and offers community activities, a clubhouse, fitness center, swimming pool, on-site management, and RV sites.
Community Amenities: Amenities include community-organized activities, a clubhouse for social gatherings, a fitness center, a swimming pool, on-site management, RV sites, and more.
Proximity: The community is conveniently located near shopping, dining, and medical facilities.
Recognition: Peoria, Arizona, where Apollo Village is located, is ranked number 7 in the nation for "Best Places to Retire."
Contact: You can contact them for more details or to inquire about becoming a resident.
Finding the Best Mobile Home Insurance In Youngtown
Reasoning: Youngtown is known for its senior community. This endorsement offers discounts for mobile homeowners who are part of or adjacent to senior communities.
Reasoning: If you park your RV in a wellness or retirement community, this coverage offers liability protection for accidents or injuries related to wellness activities.
Reasoning: Energy efficiency is important. This endorsement offers coverage for the installation of energy-efficient upgrades like insulation, HVAC systems, or solar panels for your mobile home.
Reasoning: Active participation in senior social activities can reduce isolation. This endorsement offers a discount or coverage enhancement for participating in senior social engagement programs.
Reasoning: Some RVers choose to age in place in senior communities. This coverage provides protection for renovations and modifications to your RV to accommodate aging in place.
Reasoning: For senior RV travelers, this endorsement provides comprehensive medical coverage tailored to the unique healthcare needs of seniors on the road.
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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