CoverTree Secures $13 Million in Series A Funding to Revolutionize Manufactured Home Insurance Read More
Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Sun City, AZ

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 Sun City, AZ: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Sun City, AZ: Costs, Coverage, and Considerations

Welcome to Sun City, Arizona – a unique and thriving community where the sun-drenched beauty of the Arizona landscape meets a vibrant lifestyle and a spirit of togetherness. Known as one of the first and finest active adult communities in the United States, Sun City offers a harmonious blend of leisure, activity, and community, all under the vast and brilliant Arizona sky.

As you explore Sun City, you’ll discover a community meticulously designed for active living and social engagement. With its numerous recreation centers, golf courses, and social clubs, Sun City is a place where the opportunities for recreation and community involvement are as abundant as the sun-filled days. Whether it’s teeing off on a lush golf course, engaging in a creative arts workshop, or enjoying a leisurely swim, Sun City encourages an active and fulfilling lifestyle.

Sun City’s dedication to community is evident in its diverse array of clubs and organizations. From sports and fitness groups to arts and cultural societies, there is a niche for every interest and passion. These clubs are not just avenues for hobbies and activities; they are the threads that weave the tight-knit fabric of the Sun City community, fostering friendships and a strong sense of belonging.

The beauty of the Arizona landscape is a backdrop to life in Sun City. The community is interspersed with scenic lakes, meticulously landscaped parks, and walking paths that invite residents to enjoy the outdoors and the region’s natural splendor. The nearby White Tank Mountain Regional Park offers trails for hiking and biking, allowing residents to explore the rugged beauty of the Arizona desert.

In Sun City, the culinary experience is as diverse as its population. The community boasts a variety of dining options, from casual eateries to fine restaurants, each offering a place to gather, dine, and socialize. The nearby cities of Phoenix and Glendale also provide an array of culinary adventures, reflecting the rich and diverse flavors of the Southwest. Health and wellness are at the forefront of Sun City’s ethos. The community is home to top-notch medical facilities and health services, ensuring that residents have access to excellent healthcare. Wellness programs and fitness activities are integral to the Sun City lifestyle, promoting health, wellbeing, and an active way of life.

Sun City is more than a retirement community; it’s a place of new beginnings, where the golden years are enriched with vitality, joy, and a shared sense of purpose. It’s a community that exemplifies the beauty of aging gracefully, surrounded by friends, activities, and the endless charm of the Arizona desert.

Welcome to Sun City, Arizona, where every day is an opportunity to live life to the fullest, to engage with a community that is both welcoming and dynamic, and to revel in the beauty of a place where the sun always shines. Here, in this desert oasis, find a community that celebrates life with open arms and a warm heart.

Understanding Mobile Home Insurance in Arizona

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.

The 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 Sun City, AZ

Choosing the Right Mobile Home Insurance for Sun City, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Sun City, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Sun City, AZ

Overview: Sun City West faces an extreme risk from heat, with a majority of the days experiencing high “feels like” temperatures. Impact on Mobile/Manufactured Homes and RVs:
  • Increased Indoor Temperatures: These homes often have less insulation than traditional houses, leading to higher indoor temperatures.
  • Air Conditioning Strain: Air conditioning units may be overworked, leading to breakdowns.
  • Health Risks: Residents, especially the elderly or those with health issues, are at increased risk of heat-related illnesses.
Preventive Measures:
  • Insulation Upgrades: Adding reflective coatings or better insulation can help.
  • Window Treatments: Use reflective window covers or shades to reduce heat gain.
  • Stay Hydrated: Ensure adequate water intake and take breaks from heat exposure.

Overview: Sun City West has a major risk of wildfire, affecting a significant percentage of properties. Impact on Mobile/Manufactured Homes and RVs:
  • Quick Ignition: These homes can ignite more quickly than traditional homes due to materials used.
  • Evacuation Challenges: Evacuating mobile home parks and RV sites can be more complex due to limited access routes.
  • Utility Interruptions: Wildfires can disrupt power and water supply, affecting residents.
Preventive Measures:
  • Create Defensible Space: Clearing vegetation around the home can provide a buffer.
  • Emergency Plans: Have an evacuation plan and a packed emergency kit ready.
  • Community Coordination: Engage with local fire departments and community groups for coordinated response plans.

Overview: Sun City faces severe thunderstorms capable of producing hail and high winds. Impact on Mobile/Manufactured Homes and RVs:
  • Damage from Hail: These homes may suffer more damage from hail impact due to thinner roofs and walls.
  • Wind Damage: High winds can cause structural damage, topple RVs, or break windows.
  • Power Outages: Severe weather can lead to power outages, affecting cooling systems and refrigeration.
Preventive Measures:
  • Secure Outdoor Items: Ensure all outdoor furniture and items are securely tied down or stored.
  • Reinforcement: Consider installing storm shutters or reinforced windows.
  • Stay Informed: Keep a battery-powered radio or smartphone app for weather updates and warnings.

Recommended Attractions in Sun City, AZ

Here’s a list of the 10 interesting attractions in Sun City, AZ, especially suitable for seniors and enjoyable for all ages:

  • Sun City Sundial
  • Golfing at Premier Courses
  • Scenic Parks
  • White Tank Mountains
  • Sun City Art Museum
  • Heritage Museum
  • Sun Bowl Amphitheater
  • Local Cuisine Exploration
  • Recreation Centers
  • Bonus Suggestions for Day Trips

These attractions offer a mix of leisure, cultural, and active experiences, making them ideal for seniors and enjoyable for visitors of all ages.

Property Crime Rates in Sun City, AZ

Sun City, while not having the highest crime rate in the nation, still has a crime rate higher than the national average, with a focus on both violent and property crimes. Here's a summary of the crime statistics for Sun City:

Property Crime Rates in Sun City, AZ

Sun City has a total crime rate of 25 crimes per one thousand residents, which is higher than the national average.

  • Sun City has a relatively high violent crime rate, with a chance of 1 in 235 of becoming a victim of violent crime.
  • This includes offenses like armed robbery, aggravated assault, rape, or murder.

  • Property crimes are a concern in Sun City, with a chance of 1 in 48 of becoming a victim of property crime.
  • Property crimes encompass motor vehicle theft, arson, larceny, and burglary.

Given these crime statistics, residents of Sun City should take precautions to enhance their safety and protect their property. This may include measures such as securing homes, vehicles, and personal belongings, as well as being vigilant and aware of your surroundings. Additionally, collaboration with local law enforcement and community watch programs can help address and reduce crime in the area.

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in Sun City, AZ, looking for mobile home insurance

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.

Potential Rate Increases

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.

Coverage for Relocation

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.

Check Availability of all Applicable Discounts

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

Exclusions and Limitations

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

Inflation Protection

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.

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.

Arizona Mobile Home Facts

Arizona Mobile Home Facts

Mobile Homes in AZ

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!

What is the MVD?

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.

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:​

  • closure of the park
  • redevelopment of the park
  • a qualifying rent increase
  • a change in community age restriction; or
  • rehabilitation of a pre-HUD home (built before June 15, 1976)

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 the Best Mobile Home Insurance In Sun City

Finding the Best Mobile Home Insurance In Sun City

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Sun City’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 Sun City:

Here are insurance options tailored to the unique needs of mobile/manufactured home owners, seniors, and RV owners in Sun City, AZ, considering weather risks, hazards, crime, and other negative events

Reasoning: Sun City is susceptible to monsoon storms. This coverage provides additional protection against monsoon-related damages for mobile and manufactured homes.

Reasoning: Regular foundation inspections may be required due to shifting soil in the area. Completing inspections can lead to insurance discounts.

Reasoning: If you reside in a mobile home park, this endorsement offers liability coverage tailored to the unique risks associated with park communities.

Reasoning: Sun City has a significant senior population. This coverage supports home modifications to help seniors age in place safely.

Reasoning: As seniors may have higher medical expenses, this endorsement provides coverage for medical costs related to accidents or illnesses.

Reasoning: Sun City has hot weather. This coverage protects your RV from sun-related damages like fading and deterioration.

  • 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



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.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

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.

Copyright © 2022 CoverTree Inc. All rights reserved