Arizona mobile home insurance costs can fluctuate considerably depending on your home’s value. For instance, Kin customers pay an average of $462 a year for a home valued at $50,000 and $924 a year for a home valued at $100,000 for mobile home insurance in Arizona. Mobile home insurance policies are formally called an HO-7, MH3, or MHO-3 insurance. The best way to find out exactly how much your home will cost to insure is to get a personalized quote.
How much does mobile home insurance cost in Arizona by home value?
According to the latest data available from Kin, Arizona mobile home insurance could cost somewhere between $39 and $116 per month, or $462 to $1,387 per year, depending on the value of your home.
The value of your mobile home — that is, the cost to replace it as-is in the event of a total loss — is a major factor in determining your Arizona mobile home insurance rate (called your premium in industry-speak). Other factors, including the age and location of your home and the coverage and policy limits you choose, can also influence premiums.
In short, with a higher home value, you’ll need a higher dwelling coverage limit. This is the part of a policy that helps pay for repairs and replacements if the structure of the home is damaged by a covered event. And higher dwelling coverage limits yield higher mobile home insurance costs in Arizona, as indicated by the table below:
|
Dwelling coverage amount |
Average monthly premium |
Average annual premium |
|
$50,000 |
$39 |
$462 |
|
$75,000 |
$58 |
$693 |
|
$100,000 |
$77 |
$924 |
|
$150,000 |
$116 |
$1,387 |
Average premiums for Kin home insurance customers as of August 2026.
What factors affect your mobile home insurance rate in Arizona?
Other factors that can influence Arizona mobile home insurance costs include:
Home age and construction
When your mobile or manufactured home was built can have an outsized impact on the cost of mobile home insurance in Arizona. Specifically, the Department of Housing and Urban Development (HUD) established federal safety standards for manufactured homes in 1976. Homes built after HUD established these guidelines are typically cheaper to insure because of their enhanced safety features, while older models may be difficult to insure at all.
In 1994, HUD introduced more wind-resistance standards for manufactured homes. Mobile homes built with these standards in place may be even cheaper to insure, especially in wind-prone states.
In addition, your mobile may qualify for home insurance discounts if you have certified tie-downs or anchors. On the flip side, an older home with aging plumbing systems, electrical systems, or roofs may be more expensive to insure.
Actual cash value vs. replacement cost coverage
A comprehensive mobile home insurance policy covers your manufactured home up to its full replacement cost value (RCV) — that is, what it would cost to replace your mobile home in the event of a total loss, without factoring in depreciation. For instance, if it would cost $100,000 to fully replace your mobile home, you’d want RCV coverage with a limit of $100,000.
However, many older mobile homes or mobile homes in fair condition may only qualify for actual cash value (ACV) coverage. That means your home would only be covered up to its depreciated value. For instance, if it would cost you $100,000 to replace your mobile home but its old age and condition mean it’s only worth $50,000, your insurer would pay out a maximum of $50,000 in the event of a total loss due to a covered event. The tradeoff is that ACV coverage costs less.
Location and elevation risk
Where you live in Arizona can also influence rates. Areas with a higher likelihood of claims due to weather events, crime rates, and other factors typically come with higher premiums for mobile home insurance. Higher-elevation areas and wooded locations see more expensive rates too since they face greater wildfire risk. And your mobile home’s proximity to a fire station can also affect premiums.
How can you lower your mobile home insurance cost in Arizona?
While factors outside your control (like your location and the age of your mobile home) have a significant impact on your mobile home insurance premium, there are still ways to potentially lower your home insurance costs in Arizona:
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Compare quotes: Every time your policy is up for renewal, it’s worth your time to do some comparison shopping. Get quotes from a few other insurers for a comparable policy (same coverage types, levels, and deductibles) to see which offers the lowest rate.
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Bundle policies: Many insurance companies offer bundling discounts. For instance, bundling your mobile home insurance and auto insurance with the same company could earn you a discount on both policies.
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Install tie-downs: Insurers often offer mobile home insurance discounts when you install certified tie-downs or anchors to better secure your home in place to protect against wind events.
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Ask about other discounts: In Arizona, you may qualify for other mobile home insurance discounts, such as discounts for paperless billing, paying in full, or even a discount for having a property in a mobile home park.
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Raise your deductible: Raising your deductible typically lowers your mobile home insurance rate. However, think carefully before doing so. A higher deductible means you’ll have to pay more out of pocket before coverage kicks in following a claim.
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Explore Firewise USA participation: If your community does not yet participate in the Firewise USA program, lead the charge to join. Some insurers offer discounts to communities that make concerted efforts to reduce wildfire risk.
Frequently asked questions
Do mobile homeowners in Arizona need flood insurance?
Arizona law doesn’t require property owners to carry flood insurance, but given the risk of monsoons and flash floods — particularly in low-lying areas or areas near desert washes — purchasing flood insurance can be beneficial. If you have a mortgage on your mobile home and it’s located in a high-risk flood zone, your lender may even require you to purchase a separate Arizona flood insurance policy.
Can you insure an older mobile home?
Yes, you can insure an older mobile home, but if yours was built before 1976, you may have more difficulty qualifying for coverage. That’s the year the Department of Housing and Urban Development established safety standards to make these types of homes less risky to insure. Older mobile homes may only qualify for limited coverage compared to newer homes.
Arizona insurance companies take a wide range of factors into account when considering your mobile home for coverage, including its age, condition, and safety features. Unlike many other states, Arizona does not have a FAIR Plan. So if you can’t find coverage for your mobile home through the standard market, you may need to turn to the surplus lines market instead.
How do you choose a mobile home insurance company?
To find the best and cheapest mobile home insurance, get quotes from multiple insurers. Make sure you’re specifying the same coverage types, limits, and deductibles each time (or as close as possible) for a fair comparison.
Price shouldn’t be the only consideration, though. It’s also helpful to read customer reviews, check each company’s financial strength rating, and make sure the coverage aligns with your needs.
How does mobile home insurance cost compare to standard homeowners insurance in Arizona?
In general, Arizona homeowners insurance costs less than mobile home insurance for the same amount of dwelling coverage. Mobile homes are more susceptible to wind and fire damage. Given their smaller size and lighter construction, damage to mobile homes is also more likely to cause a total loss. This poses a higher risk to insurers and leads to higher rates.
