Mobile home insurance in Arizona

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As a mobile or manufactured home owner in Arizona, you’re pretty lucky. The Grand Canyon State offers some amazing views, and the weather lets you get outside to enjoy them!

At least, that is, until monsoon season hits. Then you’re in for lightning, thunder, high winds, dust storms, and torrential rainfall. It’s the kind of weather that can wreak havoc on your mobile home and makes getting quality mobile home insurance so important.

That’s where we come in. We’re Kin, and we’re working to get mobile home owners the coverage they need.

Why choose Kin?

When you choose with Kin, you get an insurance company dedicated to making mobile home insurance work for you. We use technology to better understand your risks and tailor a policy that protects your home for a fair price.

Joining Kin also means you have a voice in how we do business. We’re structured as a reciprocal exchange, so members own a piece of the business.

Most importantly, Kin Insurance has been assigned a Financial Stability Rating® (FSR) of A, Exceptional from Demotech, Inc. That means we have the means to meet our financial obligations if you ever have a claim.


The most current FSR must be verified by visiting

There are plenty of good reasons to work with Kin, but don’t just take our word for it. Our customer reviews tell the same story.

What is mobile home insurance?

In Arizona, our mobile home insurance is designed to protect you from financial loss if your mobile home is damaged by a covered peril, such as a fire, burst pipe, or windstorm. It also comes with liability protection to help cover costs if someone claims you’re responsible for their property damage or bodily injury. 

Policies typically cover:

  • Your dwelling. 

  • Your personal belongings.

  • Other structures added to your home after it left the manufacturer.

  • Additional living expenses if you have to temporarily move after a catastrophe.

  • Your personal liability.

  • Medical payments for people injured on your property.

Our policies can be written as either replacement cost or actual cash value (ACV) coverage. Replacement cost coverage means we pay for repairs or replacements using materials of a similar quality. It may be a bit more expensive than ACV coverage, but it can help you recover from a catastrophe quicker.

Additional coverage options for Arizona mobile homes

Every home is different, so it’s important to customize your policy to fit your unique risks. We offer endorsements to help you:

  • Switch your personal property coverage from ACV to replacement value.

  • Guard against animal liability.

  • Protect against the cost of water backup and sump overflow.

  • Enhance your fungi and mold damage coverage.

  • Get reimbursed for identity fraud expenses.

Deductible options for Arizona mobile home insurance

Our mobile home insurance policies have two deductibles. Your options for each are:

  • Standard deductible options

    • $250, $500, $750, $1,000, $1,500, $2,000, $2,500, or $5,000

  • Wind/hail deductible options

    • 1%, 2%, 3%, 5%, or 10% of your dwelling coverage

How much does mobile home insurance cost in Arizona?

Mobile home insurance can cost anywhere from a couple hundred dollars to more than $4,000 per year. The reason rates vary so much is because insurance companies look at several factors when calculating premium, including: 

  • Your zip code.

  • The Coverage A of your mobile home.

  • The year it was built.

  • The value of your personal property.

  • The deductible and coverage limits you select.

  • Your claims history.

Because there are so many variables that go into mobile home premiums, we recommend getting a free quote. That’s the best way to find out how much mobile home insurance will cost you.

Mobile home insurance discounts in Arizona

Arizona mobile home insurance owners can often save money when they exhibit safer living habits. For example, you might be eligible for reduced premium if you: 

  • Live in a mobile home park.

  • Opt to manage your policy online.

  • Have a manufactured home that was built in the last calendar year.

  • Avoid claims for three or more years.

Is mobile home insurance different from homeowners insurance?

Mobile home insurance, sometimes called an HO7 or MH3 policy, and traditional homeowners insurance are pretty similar. Both cover your structure and personal belongings as well as your personal liability. Moreover, both policies are open-perils coverage, which means they cover any loss unless it’s caused by something specifically listed as excluded from the policy.

What is different between the policies is the underwriting. Insurers have found that manufactured homes represent a different risk than traditionally built homes. This is why there are different policies for each type.

Please note: Modular homes are another type of home altogether. They’re built to the same standards as traditional homes, so they’re insured on a similar policy.

How to get an Arizona mobile home insurance quote

At Kin, our goal is to make buying an Arizona manufactured home insurance policy easy. You can start by entering your address on our site or calling to speak with a knowledgeable representative who can provide you with a no-obligation quote. 

You can make getting that quote even easier if you bring along some basic information, namely: 

  • Your residential address.

  • Your mobile home vehicle identification number (VIN), found on the data plate of your mobile home (on the interior) or stamped on the steel frame.

  • An estimate of the value of personal property.

Ready to join Kin and get 10% of your first policy’s premium? Enter your address now!

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