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Protect Your Manufactured Home In San Tan Valley, AZ.

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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 San Tan Valley, AZ: Costs, Coverage, and Considerations

Welcome to San Tan Valley, Arizona - a flourishing community nestled in the southeast corner of the Phoenix metropolitan area. Surrounded by the stunning San Tan mountain range, San Tan Valley offers a picturesque backdrop for residents and visitors alike. The town is characterized by its high quality of life, thriving economy, and strong sense of community.

San Tan Valley is a popular destination for families. The town’s highly rated schools provide an excellent education for children of all ages. The community features several parks, trails, and recreational centers, offering a range of activities for children and families to enjoy. These amenities, combined with the town's safe environment, make San Tan Valley a great place to raise a family.

The town also offers numerous opportunities for employment and business growth. San Tan Valley's thriving economy is anchored by several major companies, such as Banner Ironwood Medical Center and Central Arizona College, creating a diverse range of job opportunities for residents. In addition, the town’s strategic location provides easy access to metro Phoenix and Tucson, two bustling economic hubs in the state.

San Tan Valley values its strong sense of community and provides a variety of events and activities to bring residents together. These events include concerts, festivals, and holiday celebrations, offering a chance for the community to socialize, connect, and celebrate together. The town also has active community organizations that support a range of causes, providing opportunities for residents to give back and make a positive impact.

Outdoor enthusiasts will appreciate San Tan Valley's wide range of options for recreation. The nearby San Tan Mountain Regional Park offers miles of trails for hiking, biking, and horseback riding, providing breathtaking views of the desert and mountains. Additionally, San Tan Valley features several public parks, playgrounds, and sports fields, providing opportunities for residents to stay active and enjoy the town’s beautiful weather year-round.

San Tan Valley offers a unique blend of suburban living and natural beauty, making it a highly coveted destination for residents seeking an exceptional quality of life. Whether you're looking for an active community, vast opportunities for employment and business growth, or natural beauty, San Tan Valley has everything you need to thrive.

Welcome to San Tan Valley, Arizona, where the stunning landscape blends seamlessly with high quality of life. Embrace the warm and welcoming community, enjoy the natural beauty, and take advantage of endless opportunities for growth and success.

Understanding Mobile Home Insurance In Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here's a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

  •  Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

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.

Choosing the Right Mobile Home Insurance for San Tan Valley, AZ

Weather Risks in San Tan Valley, AZ


San Tan Valley faces the risk of severe wind, especially during the monsoon season, which typically runs from June 15th to September 30th. Thunderstorms with high winds can uproot trees, knock out power, and cause flooding. The area has been under severe weather warnings 38 times in the past year.

Implications for Mobile/Manufactured/RV Home Owners:

  • Structural Vulnerability: High winds can severely damage the less sturdy structures of mobile and manufactured homes.
  • Power Outages: Loss of power can disrupt daily life and can be especially problematic for homes relying on electric systems for heating or cooling.
  • Flood Risk: Quick-forming floods can make areas around these homes waterlogged, affecting their structural integrity.


The region faces extreme risks from high heat, particularly during the summer months.

Implications for Mobile/Manufactured/RV Home Owners:

  • Air Conditioning: Prolonged periods of extreme heat can strain air conditioning systems, leading to potential failure when they are most needed.
  • Health Risks: Older adults and children are particularly vulnerable to heat-related illnesses.
  • Utility Costs: Cooling costs can spike during periods of extreme heat, affecting monthly budgets.


San Tan Valley has a major risk of wildfires, exacerbated by periods of extreme heat and dry conditions.

Implications for Mobile/Manufactured/RV Home Owners:

  • Evacuation: Mobile and manufactured home communities may need to evacuate with little notice, requiring a well-thought-out emergency plan.
  • Property Loss: Wildfires can quickly engulf these types of homes, leading to total property loss.
  • Air Quality: Wildfires can produce heavy smoke, affecting those with respiratory conditions.

Recommended Attractions in San Tan Valley, AZ

San Tan Valley offers a delightful blend of rural tranquility and outdoor adventure. The region is known for its stunning natural landscapes, golf courses, and family-friendly activities. Here are some of the top things you can do in and around San Tan Valley:

A haven for outdoor enthusiasts, the San Tan Mountain Regional Park offers a variety of hiking, biking, and horseback riding trails. Wildlife photographers and nature lovers will appreciate the park’s rich biodiversity and Native American petroglyphs.

This trailhead in Queen Creek is an extension of the San Tan Mountain Regional Park and promises an exhilarating hike to an elevation of 754 feet. Enjoy panoramic views of the valley from the summit.

Held annually in March, this festival is a throwback to 16th-century England. The event features jousting, ax-throwing, archery, and an artisan marketplace, offering a truly unique experience.

Another excellent hiking destination, the Rock Peak Wash Trailhead offers a scenic route for nature walks, birdwatching, and mountain biking.

Learn about olive cultivation and oil production at this family-owned olive mill. The highlight of the tour is tasting gourmet dishes made with freshly harvested olive oil.

For fans of speed and excitement, the Arizona Speedway hosts a variety of racing events, including stock car and wing sprint car races, making it a must-visit destination.

After a day of exploration, relax and enjoy a mouthwatering sub sandwich at Firehouse Subs. Their cheddar brisket and “engineer” subs are local favorites.

Located in Queen Creek, this performing arts center is a hub for cultural activities, offering a wide range of live shows and performance arts.

Schnepf Farms is an excellent family destination where you can enjoy harvesting fruits and vegetables. The farm also offers train rides, farm animal petting, and flower picking.

This 18-hole par-72 golf course offers an excellent golfing experience against the stunning backdrop of the Sonoran Desert and the San Tan Mountains.

Property Crime Rates in San Tan Valley, AZ

  • San Tan Valley has a crime rate of 14 crimes per 1,000 residents, which is higher than the national average. However, it doesn’t rank among communities with the very highest crime rates. The chance of becoming a victim of either violent or property crime here is 1 in 73.
  • In the context of Arizona, San Tan Valley has a crime rate higher than 56% of the state’s other cities and towns.
  •  Interestingly, when compared to other similarly sized communities across the U.S., San Tan Valley actually fares better, with a crime rate noticeably lower than the average.

Specific Crime Rates:

  • Violent crime in San Tan Valley occurs at a rate higher than most other communities of all sizes in the U.S.
  • The chance of becoming a victim of a violent crime, such as armed robbery, aggravated assault, rape, or murder, is 1 in 341, or 3 per 1,000 residents.
  • The property crime rate is 11 per 1,000 residents.
  • Property crimes include motor vehicle theft, arson, larceny, and burglary.
  • Your chance of becoming a victim of property crime in San Tan Valley is 1 in 93.

San Tan Valley presents a mixed picture when it comes to crime rates. While the community fares better than similarly sized cities across the U.S., it still has a crime rate that is higher than the national average and above that of more than half of the communities in Arizona. Given that both violent and property crimes are above-average, the need for targeted, effective crime prevention strategies is evident. This could include stronger police patrols in high-crime areas, community engagement initiatives, and public awareness campaigns to help residents protect themselves and their property. Residents should also take proactive steps, such as installing home security systems and being vigilant about their surroundings, to reduce the risk of falling victim to crime.

Talk to an Insurance Agent

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

Get Some Quotes

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

Coverage Limits and Sublimits

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Research Insurance Providers

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Payment Options

Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.

Consider the Coverage Options

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

Keep This In Mind:

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Did You Know?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

Arizona Mobile Home Facts

Mobile homes account for roughly 15 percent of Arizona’s total housing units - which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

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.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

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.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:​

Coastal Property:
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know Your Rights

Even though it's not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

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: 


  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.
  • Earthquakes:

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.


  • BSL-Preemption Law in Arizona:

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.

Finding A Manufactured Home or Community in San Tan Valley, AZ

If you're in the market for a mobile or manufactured home in San Tan Valley, it's important to have access to reliable and trustworthy information. San Tan Valley, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, San Tan Valley has something for everyone.

San Tan Mobile Village

San Tan Mobile Village is an age-restricted (55+) community located at 15802 South Gilbert Road, Chandler, AZ 85225. Here are some details
about this community:
Pet Policies: No pets are allowed. Community Features: The community offers a clubhouse, swimming pool, recreational facilities, and off-street parking. The streets are wide and paved.
Age Restrictions: This is a 55+ community.
Year Built: The community was established in 1972.
Number of Sites: There are 140 sites in the community.
Homes: Only 10% of homes are multi-section, 5% have peaked roofs, and 10% have lap siding. There are also RV sites available.
Distance: The community is approximately 10.9 miles away from water.

Skyline RV Resort

Skyline RV Resort is located at 5295 E Skyline Drive, San Tan Valley, AZ 85140. It's a unique RV resort with spacious lots and a quiet country setting. Here are some highlights: Amenities: The resort is open year-round and features a gated community, full hookups, a heated saltwater pool, free WiFi for RV sites, clubhouses, laundry facilities, showers, and recreational activities like Bocce Ball, Shuffleboard, Pickleball, and Horseshoes. Propane is available for delivery.
Location: Shopping and dining options are conveniently located nearby. Contact: You can reach the resort's manager, Salena Fritz, at 480-987-5476 (office), 480-440-2876 (emergency), and 480-655-5767 (fax).

San Tan Vista

San Tan Vista is a 55+ manufactured home community in San Tan Valley, AZ. Here are some details:
Homes: The community offers various homes for sale, ranging from 2-bed, 1.5-bath homes to 3-bed, 2-bath homes.
Community Features: Amenities include billiards, a clubhouse, horseshoe pits, onsite management, and resident events.
Location: San Tan Vista is conveniently located between US Highway 60 and Interstate 10, providing easy access to nearby towns like Gilbert, Phoenix, Chandler, Scottsdale, and Glendale. Contact: If you're interested in scheduling a tour or learning more, you can provide your name, email, and phone number through their website.

San Tan Valley's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In San Tan Valley

It's essential to compare quotes from various insurance providers and work with local agencies that understand San Tan Valley'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 San Tan Valley:

  • Reasoning: San Tan Valley can experience heavy rains. This endorsement offers coverage for the installation and maintenance of storm drainage systems to prevent flooding around your mobile home.
  • Reasoning: Off-road recreational activities are popular in the area. If you frequently use ATVs or off-road vehicles alongside your RV, this coverage offers liability protection for accidents or injuries related to these activities.
  • Reasoning: Many homeowners use desert landscaping. This endorsement provides coverage for damages to desert plants, rocks, or landscaping features on your property.
  • Reasoning: Some mobile home communities have pools. This coverage offers discounted access or assistance with the cost of using community pools.
  • Reasoning: Solar panels and batteries are common additions to RVs. This coverage addresses damages to or theft of solar panels and batteries on your RV.
  • Reasoning: If you store ATVs or other off-road vehicles in your RV, this endorsement provides coverage for these vehicles while inside your RV during travel.

These endorsements address the unique needs and risks faced by mobile homeowners and RV owners in San Tan Valley, AZ, considering heavy rains, desert landscaping, recreational activities, and community amenities in the area. Collaborating with an insurance professional familiar with the region will help you create a customized coverage plan that meets your needs effectively. 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 San Tan Valley, AZ, and can tailor a policy that meets your unique requirements.

Now that you've got the lowdown on mobile home insurance coverage in San Tan Valley AZ, don't hesitate to get a CoverTree quote now.

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