Mobile home insurance in Arizona

Arizona's mobile home insurance rates are influenced by wildfire risks, inflation, and limited building supplies. But the cost of your insurance also depends on exactly where you live, the age of your home, your home’s characteristics, and other factors.

You are not required to have mobile home insurance in Arizona. However, your mortgage lender may require you to have coverage as a condition of your financing agreement. If you live in a mobile home community, the property manager may require you to carry mobile home insurance. 

Even if you don’t need coverage, purchasing a policy can save you thousands of dollars if you have a covered loss, like a fire, storm, or theft. 

Mobile home insurance policies in Arizona do not cover these exclusions: 

• Flooding. Mobile home insurance does not cover damages caused by flooding, and several areas of Arizona are at risk for regional flooding or flash floods. 

• Earthquakes and sinkholes. Standard mobile home insurance does not cover damage caused by earthquakes, sinkholes, or other ground shifts.  

• Normal wear and tear or neglect. Arizona mobile home insurance policies do not cover the cost to replace or repair components, structures, or systems that break down due to neglect or natural wear and tear. 

• In-transit perils. Damage to your home while in transport is not covered unless you add an in-transit endorsement to your policy. 

Mobile home insurance in Arizona provides a great deal of protection, but it doesn’t cover everything. Consider these other types of coverage to supplement your mobile home insurance policy: 

• Flood insurance. If you live in an area at risk of flooding, it's a good idea to add a flood insurance endorsement or purchase a separate flood insurance policy to protect your property. 

• Water backup coverage. This endorsement provides financial protection if your property is damaged by a water backup, such as after a sump pump failure or sewer backup.  

• In-transit endorsement. Your mobile home insurance policy won’t cover any damages that occur in transit. Add an in-transit endorsement from your insurer to make sure you’re covered when you're moving your home. 

Several factors can affect your coverage needs, including lender agreements, unique property features, the value of your property and assets, and your risk tolerance. Below are general coverage considerations: 

• Dwelling coverage. It is generally a good idea to have enough dwelling coverage to cover 100% of your mobile home’s replacement cost.

• Personal property coverage. This type of coverage is often set at 50% of your dwelling coverage limit. You may need more or less based on the value of your personal belongings. 

• Other structures coverage. Standard mobile home insurance policies commonly cover other structures, like detached garages or sheds, at 10% of your dwelling coverage limit. You may want to adjust this coverage based on the value of other structures on your property. 

• Personal liability coverage. If someone is injured on your property or you or a covered household member damages their property, this part of your policy helps cover related expenses. It can also cover legal costs if you’re sued due to the incident. You should generally carry enough liability coverage to protect your assets, including checking and savings accounts, real estate, etc. 

• Medical payments coverage. If someone is injured on your property, this part of your policy can cover medical payments up to a limit, regardless of who is at fault. Limits are typically set at $1,000 to $5,000.

• Loss of use coverage. If your property is uninhabitable due to a covered loss, this coverage can help pay for additional living expenses, such as hotel stays or meals. Limits are usually set to 20% of your dwelling coverage.