Protect Your Manufactured Home in Roswell, NM

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Disclaimer: Data Accuracy and Sources

The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Roswell, AL: Costs, Coverage, and Considerations

Welcome to Roswell, New Mexico- a city that has captivated the imagination of the world with its blend of otherworldly mysteries and the grounded charm of the Southwest. Situated in the southeastern expanse of New Mexico, Roswell offers a unique journey through the enigmatic, the historical, and the beauty of desert life.

Roswell's name resonates globally due to the famed 1947 UFO incident, an event that has forever woven the cosmic and the mysterious into the city's fabric. The International UFO Museum and Research Center stands as a beacon for the curious, offering a deep dive into the event that sparked a thousand theories and solidified Roswell's place in extraterrestrial lore.

Yet, beyond its interstellar fame, Roswell is steeped in rich historical and cultural significance. The city's Western heritage comes to life at the Historical Center for Southeast New Mexico, where tales of cowboys, ranchers, and early settlers paint a vivid picture of the region's past. The Roswell Museum and Art Center showcases a diverse collection that spans from the early days of the American West to contemporary art, highlighting the artistic pulse of the city.

Roswell's natural landscape offers a stark and stunning beauty unique to the Chihuahuan Desert. The Bitter Lake National Wildlife Refuge, with its diverse array of wildlife and rare habitats, is a haven for birdwatchers and nature lovers. Here, amid the whispering reeds and shimmering waters, the tranquility of nature offers a resounding counterpoint to Roswell’s cosmic fame.

The city's culinary scene is a delightful exploration of traditional Southwestern flavors, where local chile, pecans, and authentic Mexican cuisine play starring roles. Roswell's eateries, ranging from quaint diners to sophisticated restaurants, invite you to savor the rich tastes and warm hospitality that are hallmarks of this region.

Community life in Roswell thrives through its festivals and events. The annual Roswell UFO Festival draws visitors from around the globe, celebrating the city's unique place in UFO history with a blend of fun, education, and entertainment. Local events like the Eastern New Mexico State Fair and the Roswell Jazz Festival showcase the city's diverse interests and talents, from agriculture to music.

In Roswell, education and progress are intertwined with tradition. The city's schools and Eastern New Mexico University-Roswell campus foster a spirit of learning and exploration, preparing the next generation for the future while remaining rooted in the rich soil of the Southwest.

Discover Roswell, New Mexico, a city where the mysteries of the universe meet the grounded beauty of desert life. Whether you're drawn by its otherworldly fame, captivated by its historical depth, or enchanted by its natural splendor, Roswell invites you to be part of a story that spans from the cosmic to the core of the American Southwest. Welcome to Roswell, where every star in the sky and grain of desert sand tells a tale of wonder, history, and the enduring spirit of exploration.

Understanding Mobile Home Insurance in New Mexico

Understanding the Essentials:

Mobile and manufactured homes in New Mexico are popular, affordable housing choices that, like traditional homes, need insurance for protection. Coverage typically includes damages to the home, personal property, and liability in case of injuries on the property.

Choosing the Right Policy:

It's crucial to pick insurance that reflects the specific needs of your mobile home based on location, age, and other factors like claims history and credit score.

Finding Your Insurance Provider

Select an insurer with a strong reputation for mobile home coverage. Options range from national providers to local specialists.

Coverage Details

Liability Coverage

Offers financial protection if someone gets hurt on your property.

Personal Property Coverage

Secures your belongings against theft or disaster-related damage.

Additional Living Expenses Coverage

Consider coverage for extra costs if you’re displaced from your home due to a covered event.

Policy Review and Customization:

Ensure your policy aligns with the unique aspects of your mobile or manufactured home, taking into account New Mexico’s specific conditions and risks.

Insurance Rates:

Factors like location and the home's condition can influence your insurance premium, which averages around $1,000 annually in New Mexico.

Discounts and Savings:

Look out for discounts that can lower your premium, such as those for safety features or bundled policies.

Filing a Claim:

In case of damage, contact your insurer immediately, document repairs, and keep all receipts.

General Facts about Mobile Home Insurance in New Mexico New Mexico

Embracing the NM 16 Endorsement

If you’re looking to include your manufactured home as part of your property in New Mexico, the NM 16 Endorsement has got you covered. It ensures your cozy prefab or mobile home is part of the “land” mentioned in your policy. Just make sure everything’s lined up—ownership, location, and that it’s snugly attached to your land (we’re talking no wheels and hooked up to utilities). And hey, don’t forget to check that any old titles are canceled and taxes are cleared. If it’s assessed as real property, you’re all set. This way, you can relax knowing your home sweet (manufactured) home is insured and secure.

Navigating Insurance Requirements

Compliance with Local Laws: It’s not just about having insurance; it’s about ensuring your coverage meets the specific standards set by New Mexico law, ensuring that your mobile home is properly classified and protected under state regulations.

The Importance of Coverage Options

Customizing Your Safety Net: Whether it’s liability coverage for unforeseen accidents or comprehensive protection for personal belongings, tailoring your insurance to fit your lifestyle is key to enjoying peace of mind in your mobile home.

Preparing for the Unexpected

Mitigating Risks with Coverage: Life can be full of surprises, but with the right mobile home insurance, New Mexicans can safeguard their homes against theft, natural disasters, and other unforeseen events that could disrupt their tranquil desert living.

These sections aim to guide mobile home owners in New Mexico through the various aspects of obtaining and understanding the insurance necessary to protect their unique homes and the lifestyle they cherish.

Coverage Options for Mobile Home Insurance in New Mexico .

Here's a list of coverage options that are typically available for mobile and manufactured home insurance in New Mexico:

Dwelling Coverage: Protects the physical structure of your mobile or manufactured home from covered damages.
Personal Property Coverage: Safeguards your belongings inside the home in the event of theft, loss, or damage.
Liability Protection: Offers financial protection against legal responsibility if someone is injured on your property.
Additional Living Expenses: Helps cover the cost of temporary housing if your home is uninhabitable due to a covered loss.
Extended Coverage: Provides protection for structures attached to your home, like porches or carports.
Trip Collision Coverage: For mobile homes that will be moved, this covers damage that may occur during transit.
Fire Department Service Charge Coverage: Covers the charges incurred if the fire department is called to save or protect your home.
Flood Insurance: Separate from standard policies, necessary for homes in flood-prone areas.
Earthquake Coverage: Special coverage for damages caused by earthquakes, which may be a consideration in certain parts of New Mexico.
Scheduled Personal Property Endorsement: Additional coverage for high-value items such as jewelry, electronics, or art.

Remember to discuss with your insurance provider to tailor your coverage based on your specific needs and the location of your home in New Mexico.

Do I Need Mobile Home Insurance in New Mexico?

While not mandatory in New Mexico, insurance is a wise choice, especially if you have a mortgage on your mobile home. With the heightened risks of wildfires as a stark reality, having mobile home insurance becomes not just a precaution but a necessity. The state's increasing wildfire risk, which has led to an insurance bubble, signifies the urgency for homeowners to secure coverage that can help rebuild and recover in the event of such disasters. Mobile home insurance offers a safety net against these unpredictable forces of nature, ensuring that you have the means to restore your home and possessions while also providing vital liability protection.

Given New Mexico's susceptibility to wildfires, it’s a prudent step to safeguard your investment and secure your family’s well-being. Choose wisely to ensure your peace of mind in the Land of Enchantment.

RV Insurance in New Mexico: A Guide for Outdoor Enthusiasts

Choosing the right mobile home insurance for Ann Arbor, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

RV Insurance Essentials in New Mexico

In New Mexico, RV insurance offers a safeguard for your motorhome, travel trailer, camper, and even horse trailers. The coverage is adaptable for up to 250 days a year, perfect for those extended trips or winter getaways.

Coverage Types:

Liability Coverage: This is mandatory and covers bodily injuries and property damage in the event of an accident.
Comprehensive and Collision: These options protect against physical damage to the RV, with settlement choices like Stated Value, Agreed Value, or Replacement Cost.
Vacation Liability: Useful when the RV is used as a temporary residence.
Personal Effect Coverage: Insures items within the RV against damage or loss.
Roadside Assistance: Provides help 24/7 for breakdowns or accidents.

Financial Considerations

Cost of RV Insurance:

Premiums can vary, with an average around $125 per month, influenced by factors like RV type, age, and usage.

Saving on Premiums:

Discounts for safe driving, original ownership, or bundling policies can lower insurance costs.
Insuring multiple items with a single company can lead to savings.

Rental Insurance Insights

Why Rental Insurance Is Key:

RV rental insurance in New Mexico covers you for collision damage and liability, ensuring you’re not paying out of pocket for damages during your rental period.

Choosing the Right Rental Insurance:

Determine if your auto insurance extends to RV rentals.
Consider the RV’s value and your chosen deductible.
Look for comprehensive coverage options that suit your needs.

Finding the Best Provider:

Compare quotes from multiple companies.
Check if your personal possessions are covered by your home insurance while in the RV.

The Importance of RV Insurance in New Mexico

Safeguarding Against Natural Risks:

New Mexico’s unique landscape presents certain risks, such as wildfires and flash floods, which are particularly relevant for RV owners. RV insurance is crucial in New Mexico to protect against the financial repercussions of these natural events.

Understanding RV Insurance Policy Types

Liability Coverage

A foundational coverage that’s legally required, it protects you from the costs associated with damage or injuries you may cause to others.

Comprehensive and Collision

These coverages are vital for the protection of your RV itself, offering financial protection against a wide range of potential damages, from accidents to environmental hazards.

Personal Effect Coverage

For the belongings inside your RV, this coverage ensures that you’re compensated for losses due to theft or damage, making it essential for peace of mind while you’re on the road.

Roadside Assistance

Given the vast and remote areas of New Mexico, having a policy that includes roadside assistance can be a lifesaver if you find yourself stranded due to mechanical failure.

Special Considerations for RV Rentals in New Mexico

Rental Insurance Necessity

When renting an RV, insurance is not just a formality but a necessity that covers liability and collision, safeguarding your journey across the diverse terrains of New Mexico.

Tailored Coverage

Whether you’re renting for a short trip or an extended period, ensure your rental insurance is tailored to your itinerary and the specific challenges you may encounter in New Mexico.

By understanding the importance of RV insurance and the various policy types available, RV owners in New Mexico can ensure they're adequately protected for every adventure.

Unique Considerations for New Mexico Mobile Home Insurance

Wildfire and Environmental Damage Coverage

Proactive Protection for Your Home: In New Mexico, the arid climate increases the risk of wildfires, making it essential for owners of mobile, manufactured, and modular homes to ensure their insurance policies include coverage for such environmental damages. This coverage can help rebuild or repair your home without the financial stress that typically follows a natural disaster.

Flood Insurance Endorsement

An Essential Add-On in Prone Areas: Given the risk of flash floods in certain regions, it’s critical to have flood insurance as an endorsement, as standard policies often exclude flood damage. This addition can be crucial in safeguarding your home against the destructive power of sudden water influx.

Earthquake Insurance Consideration

Securing Stability Against the Shakes: While less frequent, New Mexico can experience seismic activity. Earthquake insurance endorsements for mobile homes, which are particularly vulnerable to ground movement, can provide peace of mind and financial security.

Personal Property Coverage for High-Value Items

Tailored Coverage for Your Treasures: Due to the mobile nature of these homes, ensuring your policy includes coverage for personal property, with specific endorsements for high-value items like electronics, jewelry, and family heirlooms, is crucial in New Mexico, where break-ins and theft can occur.

Liability Coverage for Property Terrain

Unique Landscapes, Unique Liabilities: New Mexico’s varied terrain can pose unique liability risks, from uneven ground causing injuries to guests to overhanging trees damaging neighbor’s property. A comprehensive liability coverage tailored to the unique aspects of your property’s terrain is an important consideration for homeowners.

Choosing the Right Mobile Home Coverages for Roswell, NM

Weather & Environmental Risks:

Flood/Flash Flood

Description: While less frequent than in other parts of the U.S., Roswell still has a notable risk of tornadoes.
Implications:
- Safety Plans: Mobile/manufactured homeowners and RV owners should have a tornado safety plan, including knowing the nearest shelter.
- Structural Risks: These homes are particularly vulnerable to tornadoes. Regular inspection and maintenance are crucial.

Hail

Description: Hail, sometimes large, is a common occurrence in Roswell, NM.
Implications:
- Property Damage: Potential for significant damage to the exterior of mobile/manufactured homes and RVs. Using protective coverings or shelters when hail is forecasted is advisable.
- Vehicle Protection: RV owners should consider protective measures for their vehicles during hailstorms.

Severe Thunderstorms

Description: Capable of producing damaging winds and heavy rains.
Implications:
- Wind Damage: Securing outdoor items and ensuring the stability of the home is key.
- Flood Risk: Awareness of local flooding areas and preparation for potential water intrusion.

Volcanic Activity

Description: Although the risk is very low, there is a volcano nearby.
Implications:
- Awareness and Preparedness: Staying informed about volcanic activity and having an evacuation plan.

Flooding

Description: Occasional floods can occur due to heavy rains.
Implications:
- Elevation and Relocation: Consider elevating homes or relocating temporarily during flood threats.
- Emergency Kits: Keeping emergency kits with essential supplies.

Additional Considerations

Regular Weather Updates: Keeping track of weather forecasts and warnings.
Insurance: Adequate insurance coverage for hail, wind, and flood damage.
Community Resources: Familiarity with local resources and emergency services.

Conclusion

Residents in mobile/manufactured homes and RVs in Roswell, NM, should take these weather hazards seriously and prepare accordingly. This includes staying informed, ensuring homes are well-maintained, and having plans in place for evacuation or sheltering during severe weather events.

Recommended Attractions in/around Roswell:

Here's a curated guide to the top 10 attractions in Roswell, New Mexico, each with detailed information.

International UFO Museum and Research Center

Overview: A focal point for UFO enthusiasts, the museum offers a non-biased look at the famous 1947 Roswell Incident and other UFO phenomena.
Features: Interactive exhibits, information on UFO sightings, abductions, and crop circles.
Tip: Don’t miss the extensive library for in-depth research on UFOs.

Roswell Museum and Art Center

Experience: Showcases the artistic and historical heritage of the American Southwest.
Highlights: Collections of modernist works, Native American art, and Spanish colonial pieces.
Must-See: The Robert H. Goddard exhibit on rocketry and the adjoining planetarium.

Bottomless Lakes State Park

Attraction: A series of deep, blue-green lakes formed in ancient caverns.
Activities: Swimming, picnicking, hiking, and bird-watching.
Unique Feature: The park’s cenotes-like lakes offer a unique geological experience.

Anderson Museum of Contemporary Art

Collection: Over 500 contemporary art pieces, including sculptures, paintings, and photographs.
Specialty: Highlights the works of artists from the Roswell Artist-in-Residence Program.
Visitor Experience: Explore 12 galleries in a spacious setting.

Bitter Lake National Wildlife Refuge

Wildlife Spotting: Home to over 350 bird species, along with a variety of mammals, reptiles, and amphibians.
Scenery: A mix of desert, grasslands, and wetlands offering diverse landscapes.
Tip: Bring binoculars for birding and enjoy the scenic walking trails.

General Douglas L. McBride Military Museum

Exhibits: Military artifacts, uniforms, and history of the New Mexico Military Institute.
Highlight: Learn about the military history of the region and the institute’s notable alumni.
Accessibility: Free entry, located on the NMMI campus.

Historical Center for Southeast New Mexico

Location: Housed in a beautifully restored early 20th-century family home.
Exhibits: Features a collection of regional history, photographs, and artifacts.
Unique Aspect: Explore the history of Roswell and southeastern New Mexico.

Spring River Park and Zoo

Attractions: A variety of animals, a children’s zoo, and a miniature train.
Family-Friendly: Perfect for a day out with kids.
Special Feature: The Capitan Trail showcasing local wildlife.

Roswell Historic District

Architecture: A walk through diverse architectural styles like Victorian, Spanish Pueblo, and Italianate.
Landmarks: Chaves County Courthouse and New Mexico Military Institute.
Experience: Offers a historical walking tour highlighting Roswell’s past.

Walker Aviation Museum

Theme: Focuses on the history of Walker Air Force Base during the Cold War.
Collections: Military artifacts, uniforms, and personal memorabilia.
Location: Conveniently situated at the Roswell International Airport.

Visitor Guide Section

Best Time to Visit: Spring and fall offer pleasant weather, ideal for outdoor exploration.
Getting Around: A car is recommended for convenient travel to various attractions.
Accommodations: Range from budget motels to mid-range hotels.
Local Cuisine: Try local New Mexican dishes, especially those with green chilies.
Safety Tips: Roswell is relatively safe, but standard precautions are advised.
Cultural Etiquette: Respect is key when visiting historical sites and interacting with locals.

Enjoy exploring Roswell, where history, art, and the intriguing allure of UFO folklore create a unique travel experience!

Crime Rates:

Overview

Overall Crime Rate: 45 per 1,000 residents.
Chance of Being a Victim in Roswell: 1 in 22.
State Comparison (New Mexico): Higher than 95% of New Mexico communities.

Violent Crime

Rate: 1 in 121 residents.
Chance of Being a Victim: One in 121.
Types Tracked: Rape, murder, non-negligent manslaughter, armed robbery, aggravated assault.
National Comparison: One of the highest violent crime rates in the nation.

Property Crime

Rate: 37 per 1,000 residents.
Chance of Being a Victim: One in 27.
Types Tracked: Burglary, larceny over fifty dollars, motor vehicle theft, and arson.
National Comparison: Above average property crime risk.

Safety Tips for Roswell Residents

Personal Safety: Stay aware of your surroundings, especially in high-crime areas, and avoid risky situations.
Emergency Preparedness: Prepare an emergency kit and have a communication plan for your family in case of unforeseen events.
Social Media Caution: Limit sharing personal information and travel plans on social media platforms.
Reporting Suspicious Activity: Report any suspicious activities promptly to local law enforcement and encourage your community to do the same.

Roswell faces challenges with high crime rates, particularly in both violent and property crime categories. Residents can take proactive measures to enhance their safety and security, such as fortifying their homes, participating in neighborhood watch programs, and staying vigilant in their communities. Collaborative efforts and community involvement can contribute to a safer living environment for all residents of Roswell.

Additional Tips:

RV Navigation in Mountainous Terrain

1) Prepare for driving your RV in New Mexico's mountainous areas.

2) Consider additional RV insurance for navigating challenging terrains.

Efficient Heating Solutions for Mobile Homes

1) Invest in energy-efficient heating systems suitable for colder nights.

2) Regular maintenance of heating systems is crucial.

Art and Craft Festival RV Touring

1) Plan RV trips around New Mexico's famous art and craft festivals.

2) Ensure your RV has adequate security and storage for art purchases.

Monsoon Season Preparedness

1) Prepare for sudden heavy rains and flash floods common in monsoon season.

2) Ensure proper sealing and waterproofing of your mobile home or RV.

RV Safe Parking in Urban Areas

1) Familiarize yourself with RV parking regulations in New Mexico's cities.

2) Consider security measures for urban RV parking.

Mobile Home Cooling Efficiency

1) Optimize your cooling systems to handle New Mexico’s hot summers.

2) Use sunshades and reflective materials to keep interiors cool.

Did You Know?

In Roswell NM mobile homes must be titled with the Secretary of State.

New Mexico Mobile & Manufactured Home Facts

Mobile & Manufactured Home Living in New Mexico: A Snapshot

New Mexico, with its scenic landscapes and diverse cultures, is a state where mobile and manufactured homes play a significant role in the housing market. Offering affordability and flexibility, these homes cater to a substantial segment of the state's population.

However, In New Mexico, the allure of mobile homes goes beyond affordability; they embody flexibility and a spirit of independence that resonates with many residents, offering a unique living experience in the diverse landscapes of the state. Here's an in-depth look at the mobile and manufactured home scene in New Mexico, drawing from the latest U.S. Census data and state-specific regulations.

Mobile and Manufactured Home Insurance Statistics in New Mexico:

The State of Mobile Homes in New Mexico

Widespread Affordability: With 145,087 occupied mobile homes, representing 18.6% of New Mexico’s housing, mobile homes offer an accessible route to homeownership, especially vital in an economy that presents many with financial challenges.
Value Variances Across Cities: The worth of these homes varies significantly across major cities — from Albuquerque’s average of $43,922 to Rio Rancho’s $99,002, highlighting a diverse market that can cater to various financial capabilities.
Community Sizes: The average manufactured home community has 104 homes, with most established around 1976.

Historical Roots and Modern Developments

A Rich Heritage: Mobile homes have been part of New Mexico’s housing fabric since the 1940s, evolving significantly to meet modern living standards while retaining their historical charm.
Community Sizes and Amenities: The average manufactured home community in New Mexico consists of 104 homes, with developments typically dating back to 1976, offering a blend of vintage appeal and contemporary conveniences.

The Purchase Process: Guidance and Resources

Navigating the Buying Journey: The New Mexico Manufactured Housing Association plays a pivotal role in guiding potential buyers through the process, from selecting the right home to understanding financing options.
Regulatory Framework for Peace of Mind: State standards ensure all manufactured homes are built safely and to industry benchmarks, providing consumers with confidence in their investments.

Transportation and Installation: Ensuring Safety and Compliance

Strict Transport Guidelines: New Mexico mandates a comprehensive checklist and route survey for mobile home transportation, ensuring every move is conducted safely and efficiently.
Zoning and Setup Regulations: Prospective homeowners must navigate local zoning laws and, interestingly, pass a homeowner’s examination for set-up and foundation, reflecting the state’s commitment to safety and proper installation.

Titling and Taxation: A Dual Framework

Titling for Legal Clarity: Mobile homes are titled similarly to vehicles, but once placed on a permanent foundation and the wheels are removed, they can be reassessed as real property, affecting taxation and ownership rights.
Consumer Protection in Disputes: The state manages a dispute resolution program to address any issues with manufactured homes, ensuring consumer rights are upheld and assistance is readily available.

Insurance and Protection: A Must for Homeowners

The Importance of Adequate Coverage: With environmental risks like wildfires posing a threat, mobile home insurance is not just a financial safeguard but a crucial aspect of responsible homeownership in New Mexico.
Customized Insurance Options: Policies must be tailored to the unique risks presented by the local climate, including additional coverage for floods, earthquakes, and personal valuables.

By understanding these facets of mobile and manufactured home ownership in New Mexico, prospective buyers can make informed decisions and invest in homes that not only meet their budget but also provide security and a sense of community.

Mobile Homes in NM - Did You Know?

The New Mexico Manufactured Housing Association aids buyers through the purchasing process.
State standards ensure safety and quality in the construction of manufactured homes.
Transporting a mobile home requires adherence to specific guidelines and a route survey.
Home setup necessitates passing a homeowner’s examination for proper installation.
Mobile homes are initially titled as personal property but can be reassessed as real property once permanently affixed to land.
The state provides a dispute resolution program for manufactured home issues.
With environmental concerns like wildfires, mobile home insurance is essential, and policies must be customized to address local risks.

Understanding Reverse Mortgages for Manufactured Homes

Reverse mortgage loans offer a unique financial solution for homeowners, and for those living in manufactured homes, it's essential to adhere to specific guidelines to qualify. Reverse mortgages allow homeowners aged 62 and older to convert part of their home equity into cash while retaining homeownership.

Manufactured homes must comply with Federal Housing Administration (FHA) standards to be eligible. Key requirements include being a double-wide or larger, built post-1976, affixed to a permanent foundation, and classified as real property. Additions must be compliant with HUD standards, and the home must have never been moved. An engineer's report is often required, and the home must have a deactivated title.

This financial tool can offer a lifeline by tapping into the home's equity, providing owners with additional income or a lump sum to enjoy their retirement years comfortably.

MUST A MANUFACTURED HOME BE ASSESSED BY THE COUNTY ASSESSOR?

Yes, according to New Mexico state law, manufactured homes MUST be assessed for property taxes. The Assessor will require a copy of the mobile home vehicle registration or title, as well as the mobile home property address or location.

Learn about The New Mexico Manufactured Housing Association (NMMHA)

The NMMHA is a professional body that represents the interests of the manufactured housing industry in New Mexico. It advocates on behalf of manufacturers, retailers, suppliers, and community owners, focusing on legislative representation and business resources. Aimed at fostering industry growth, the association also offers consumer resources to assist with purchasing manufactured homes, emphasizing the benefits of factory construction like quality control, efficient use of materials, and reduced build times.

The NMMHA serves as the voice of the manufactured housing industry in the state. It brings together retailers, manufacturers, and community owners, providing a united front to promote industry interests, especially at the legislative level. NMMHA ensures its members have access to vital information and tools necessary for thriving in the housing market. It also aids consumers in navigating their housing options, underscoring the advantages of manufactured homes such as cost-effectiveness and efficient construction.

Learn About The New Mexico Regulation & Licensing Department's (Manufactured Housing Division )

This division oversees the construction, installation, and setup of manufactured homes within the state. They handle licensing for industry professionals, such as installers, dealers, and manufacturers, ensuring that these entities comply with the standards and regulations set forth for safe and reliable home manufacturing and sales.

Regarding licensing, there are fees for new licenses and renewals, with specific amounts for different roles within the industry. For instance, a dealer or manufacturer's new license and renewal fee are each $200 and $500, respectively. There are also late fees that start to accumulate after a 30-day grace period, increasing by a dollar a day up to 60 days, and doubling the original license fee thereafter.

The division also emphasizes the importance of consumer protection, offering a dispute resolution program to help address any issues between consumers and industry professionals. They provide resources and guides on various aspects, such as obtaining transport permits, adhering to zoning laws, and the requirements for setting up a manufactured home, including the necessity of passing a homeowner's examination for setup and foundation before issuing a permit.

Learn about New Mexico’s Mobile Home Park Act

The New Mexico Mobile Home Park Act is a set of regulations that governs the relationships between landlords and tenants within mobile home parks in New Mexico. Here are some key points from the Act divided into sections:

Lease Agreements and Legal Compliance

All tenancy agreements in mobile home parks must be in writing, with specific disclosures required by law.
Lease or rental agreements are the primary documents for resolving disputes, supported by the Mobile Home Park Act and the Uniform Owner-Resident Relations Act unless conflicts arise.
Rental agreements cannot waive a resident’s rights under the Act, and any such provisions are considered void.

Security Deposits and Rent Increases

Landlords may charge a security deposit up to one month’s rent, or two months’ for multi-wide mobile homes.
Rent increases require a 60-day written notice to the resident, with potential penalties for failure to comply.

Fees and Charges

Landlords are permitted to charge for rent, security deposits, utility costs, and other services agreed upon in writing.
The Act prohibits charging additional “entry fees” as a condition of park tenancy or when a resident sells their mobile home.

Sales and Transfers

Landlords cannot impose fees on residents for selling or transferring their mobile homes within the park.
No fees can be charged to new buyers of a mobile home for purchasing within the park.

Rights and Disclosures

Landlords must provide written disclosures before occupancy, detailing rent, payment due dates, park rules, zoning information, and the right to request alternative dispute resolution.
The Act outlines a resident’s rights and the landlord’s obligations to maintain a fair and equitable living environment.

These sections encapsulate the essence of the Mobile Home Park Act, designed to protect the rights of mobile home park residents and maintain a standardized set of rules for park management in New Mexico.

Know Your Rights:

Finding A Manufactured Home in Roswell, NM

If you're in the market for a mobile or manufactured home in Roswell, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Roswell.

Roadrunner Mobile Home Park

Location: 200 E 22nd St, Roswell, NM 88201
Community Type: Age-Restricted (55+)
Pet Policy: Small dogs allowed
Features: Off-street parking, clubhouse, sidewalks, recreational facilities, wide paved streets
Number of Sites: 69
Home Characteristics: 20% multisection homes, 95% peaked roofs, 95% lap siding
Proximity to Water: 6.9 miles

Town & Country RV & Mobile Home Park

Location: 333 W Brasher Rd, Roswell, NM 88203
Community Type: Age-Restricted (55+) Rent: $260/month
Pet Policy: Up to 2 small dogs allowed Amenities: Clubhouse, swimming pool, library, laundry facilities, fitness center, boat/RV storage, planned social activities
Contact: Marilyn Wade, On-Site Staff
Year Built: 1981
Number of Sites: 60
Home Characteristics: 90% peaked roofs, 90% lap siding

Villa Mobile Home Park

Location: 410 E. 23rd St., Roswell, NM 88201
Contact: (575) 623-1896
Community Type: Age-Restricted (55+)
Features: Clubhouse with activities, proximity to alien-themed attractions in Roswell
Mobile Homes for Sale: Selection of affordable, pre-owned homes with interior furnishings, easy financing available
Pet Policy: Pets welcome (breed restrictions apply)

Each of these age-restricted communities in Roswell, NM, offers a unique living experience for older adults, with a variety of amenities and social activities. For more detailed information or to inquire about available homes, contacting the respective park offices is recommended. These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Roswell, NM. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Roswell

It's essential to compare quotes from various insurance providers and work with local agencies that understand Roswell's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

These are some things you should look out for in an insurance plan for Roswell:

Here are some coverage options, endorsements, and add-ons specific to Roswell, NM, that you may consider for mobile/manufactured home owners and renters, and RV owners and renters, taking into account the unique needs of the area:

Wind and Dust Storm Coverage

Roswell experiences frequent wind and dust storms. Look for coverage options that specifically protect against damage caused by strong winds and blowing dust.

Hail and Severe Weather Coverage

Like other parts of New Mexico, Roswell is also prone to severe thunderstorms and hailstorms. Ensure your insurance policy includes coverage for hail damage and other severe weather events common in the area.

UFO Landing Protection

Roswell is famous for the 1947 UFO incident. While it may not be a realistic concern, if you have unique collectibles or artifacts related to the UFO phenomenon, consider endorsements that provide specialized coverage for these items.

Alien Abduction Coverage

This would be more of a novelty endorsement, as alien abductions are not covered events. However, some providers offer tongue-in-cheek endorsements as a fun addition to policies in Roswell.

Water Damage Protection

Roswell experiences occasional heavy rainfall and flooding. Look for coverage options that provide protection against water damage, including damage caused by floods, leaks, or burst pipes.

Farm and Ranch Coverage

Roswell has a significant agricultural industry. If you own a farm or ranch property, consider coverage options that protect your agricultural equipment, livestock, and outbuildings against various risks.

Livestock Animal Collision Coverage

If you live in an area with frequent wildlife crossings, such as deer or other large animals, consider endorsements that offer coverage for damages resulting from collisions with animals.

UFO Festival Liability Coverage

If you host events or activities related to the annual UFO Festival in Roswell, consider liability coverage options that protect you in case of accidents or injuries during the event.