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 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
Emergency Removal Service and Emergency Repair after a loss
Credit Card and Check Forgery
Fire Department Service
Food Spoilage coverage
Personal Injury Protection coverage
Golf Cart coverage
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