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.
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.
Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.
Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.
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.
Type: 55+ Community Features: Heated pool surrounded by palm trees Five-star amenities Community dances and activities Proximity to golf and shopping RV sites with full hook-ups, free WiFi in the clubhouse, paved streets
Type: All-Ages Community Outdoor Amenities: 8-foot-deep pool Shuffleboard courts Horseshoes Bean bag toss games Indoor Features: Billiards, Bingo, Darts, Library, Spa Local Attractions: Colorado River, The Peanut Patch, Picacho State Park, Sand Dunes, Yuma Palms Shopping Mall, Yuma Convention Center
Type: Family Community Amenities: Pool Playground Recreation Room Soccer Field Basketball Court On-Site Management Laundry Facilities Highlights: Located in the third fastest growing area in the US; proximity to shopping, airport, hospital, Arizona Western College, and the US Marine Corps & Air Station
Type: Gated 55+ Community Amenities: Clubhouse Picnic Area Pool RV Storage Spa Shuffleboard Billiards Weather: Average high of 87°F and low of 53°F with an annual precipitation of 2.99 inches Unique Selling Proposition: A popular retirement property with daily social events and indoor & outdoor activities all year long
Type: 55+ Community Features: Pet-friendly (indoor cats only) Clubhouse Swimming Pool Recreational Facilities Gated after 10 pm for safety Opinions: Mostly positive reviews, with residents praising its safety, location, and community spirit
Type: All-Ages Community Lot Rent: $425 - $575/month (includes trash pickup, water, and sewer) Amenities: Paved streets City-sourced water and sewer Off-street parking Overview: An affordable housing choice that's well-maintained and offers easy access to local amenities
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Yuma
These are some things you should look out for in an insurance plan for Yuma:
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.
Description: This coverage is similar to an extended warranty on appliances. It covers the cost of repairing or replacing household appliances and systems if they break down due to causes like power surges or mechanical failure.
Importance: Helps homeowners manage unexpected costs related to appliance breakdowns, which can often be expensive.
Description: If there’s a power outage or your refrigerator breaks down and the food inside spoils, this coverage can reimburse the cost of the lost food.
Importance: Offers peace of mind during unexpected power disruptions and appliance malfunctions.
Description: For items that are especially valuable, like jewelry, artwork, antiques, or collectibles, this add-on provides higher limits and broader coverage than the standard policy.
Importance: Ensures that high-value items are adequately covered, offering peace of mind for homeowners with valuable belongings.
Description: Covers damage to your home and belongings if water backs up through your drains or if your sump pump overflows.
Importance: While related to flood coverage, this is a specific endorsement for homes with basements or those prone to such issues.
Description: If you’re part of a mobile home park or association, this coverage pays for your share of any loss assessment charged to each member by the association for property damage or injury claims.
Importance: Protects homeowners from unexpected expenses imposed by the association due to communal property damages or liability claims.
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 Yuma, AZ, and can tailor a policy that meets your unique requirements.
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
CA license # 6009070
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.
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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