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Mobile Home Insurance In Arizona

A Comprehensive Guide to Costs and Key Considerations

Owning a mobile, manufactured, or modular home in Arizona comes with unique risks and benefits. The Grand Canyon State is home to a diverse range of housing options for residents, with mobile and manufactured homes playing a significant role. According to the U.S. Census Bureau, there are over 160,000 mobile and manufactured homes across Arizona. Additionally, the state boasts more than 1,200 mobile home parks, offering a variety of communities for mobile home owners and prospective buyers.

Arizona has specific laws governing the installation and regulation of mobile and manufactured homes, ensuring these dwellings meet safety and quality standards. The Arizona Department of Housing (ADOH) oversees the manufactured housing industry in the state, providing resources and assistance for mobile home owners and prospective buyers. The Arizona Department of Insurance and Financial Institutions (DIFI) is responsible for regulating insurance in the state. DIFI’s mission is to protect Arizona consumers by promoting a safe and competitive insurance marketplace.

In this guide, we’ll discuss the cost of mobile home insurance in Arizona, factors to consider when searching for a policy, and how to find the best coverage for your needs. Understanding these elements will help you make informed decisions and ensure your home is protected from unforeseen events, including Arizona’s unique weather events and regional housing trends.

Understanding Mobile Home Insurance

Mobile home insurance, also known as manufactured home insurance or modular home insurance, is designed to protect homeowners from risks associated with their specific dwelling types. Mobile and manufactured homes are typically constructed off-site and transported to their final location, while modular homes are built in sections and assembled on-site. These insurance policies provide coverage for property damage, liability, and additional living expenses in case of a covered loss.

Factors Impacting Mobile Home Insurance Costs in Arizona


Your mobile home’s location in Arizona can significantly affect insurance costs. Factors such as crime rates, proximity to fire stations, and natural disaster risks, like wildfires or flash floods, play a role in determining premiums. Homes in areas with lower crime rates or reduced risk of natural disasters may have lower insurance costs.

Does Your Current Insurer Specialize In Manufactured Home Insurance?


Weather and Environmental Risks in Arizona

Arizona’s unique climate and environmental conditions can pose various risks to mobile homes. Understanding these risks and their regional impact is crucial when selecting the appropriate insurance coverage.

  • Wildfires: Wildfires are a significant concern in Arizona, particularly during the hot, dry summer months. The state’s forests and grasslands are susceptible to wildfires, which can spread rapidly and cause significant damage to mobile homes and communities. Northern Arizona, including regions like Coconino County, has experienced some of the state’s largest wildfires in recent history.Monsoons: Monsoons typically occur from June to September, bringing heavy rainfall, strong winds, and flash flooding to Arizona. These powerful storms can cause property damage and disrupt utilities, particularly in low-lying or poorly drained areas.
  • Microbursts: Microbursts are a common weather phenomenon during the monsoon season. These intense downdrafts can create damaging winds that lead to property damage, including roof damage, broken windows, and uprooted trees. Microbursts are difficult to predict and can cause significant destruction in a short amount of time.
  • Dust storms: Dust storms, also known as haboobs, are common in Arizona during the monsoon season. These massive walls of dust can reduce visibility, damage property, and create hazardous driving conditions.
  • Extreme heat: Arizona is known for its scorching summer temperatures, which can lead to property damage, particularly to roofs and cooling systems. Prolonged exposure to extreme heat can also cause structural issues and other damage to mobile homes.

Understanding the specific weather and environmental risks in your region of Arizona is essential when selecting an appropriate mobile home insurance policy. By choosing a policy that addresses these unique hazards, you can ensure that your home is protected from potential damage and loss.

Home Value and Age

The value, age, and construction of your mobile home will influence your insurance costs. Older homes may have higher premiums due to the increased risk of damage and depreciation, while newer homes built with improved materials and construction methods may benefit from lower rates.

Deductible and Coverage Limits

Your choice of deductible and coverage limits will directly affect your insurance premiums. A higher deductible generally leads to lower premiums, while higher coverage limits can increase costs. It’s important to find the right balance between affordability and protection when selecting your deductible and coverage limits.

Settlement Options

The settlement option you choose for your mobile home insurance policy can impact your insurance costs. There are three main types of settlement options: replacement cost value (RCV), actual cash value (ACV), and stated value. RCV policies cover the cost of replacing your mobile home with a new one of similar quality, while ACV policies take depreciation into account and pay the current market value of your home. Stated value policies pay up to a predetermined amount agreed upon by you and the insurer. Generally, RCV policies tend to have higher premiums, while ACV and stated value policies may have lower premiums but provide less coverage in case of a total loss.

Endorsement Selections

Adding endorsements to your mobile home insurance policy can increase your coverage but also affect your insurance costs. Examples of common endorsements include:

  • Scheduled property: Provides additional coverage for high-value items like jewelry, art, or collectibles that may not be fully covered under a standard policy.
  • Golf cart coverage: Protects your golf cart from damage or theft and covers liability if you cause an accident while driving it.
  • Sewer/water backup: Covers damage caused by sewer or water backup into your mobile home.
  • Identity theft: Provides assistance and financial coverage if your identity is stolen, helping you restore your credit and cover related expenses.

When selecting endorsements, consider your specific needs and risks. While adding endorsements will increase your insurance costs, they can provide valuable protection against potential losses not covered by a standard policy.

Discounts and Bundling

Mobile home owners in Arizona may qualify for discounts, such as multi-policy, safety features, and good credit discounts. Bundling your mobile home insurance with other policies, like auto insurance, can also help you save on overall insurance costs.

How to Find the Best Mobile Home Insurance Policy in Arizona

Compare Quotes from Multiple Insurers

To find the best policy, compare quotes from different insurance companies. Don’t just focus on cost – consider other factors, such as customer service, financial stability, and the reputation of the insurer.

Consider Local, Regional, and Specialty Insurers

Working with local and regional insurers may provide additional benefits, as they often have a better understanding of the specific risks and needs of homeowners in Arizona. In addition to local and regional carriers, consider specialty insurers that focus on mobile home insurance. These companies include American Modern, Foremost, Assurant, Standard Casualty, National Summit, CoverTree, Aegis, and Tower Hill. These insurers have expertise in the unique coverage requirements and risks associated with mobile homes, which can lead to more comprehensive and tailored policies.

Customize Your Policy to Your Needs

Tailor your policy to fit your unique requirements, such as additional coverage for valuable items or protection against specific risks like flooding or earthquakes, which may not be included in a standard policy.

Work with an Independent Agency Specializing in Mobile Home Insurance

Consumers would be well-served to work with an independent insurance agency that specializes exclusively in mobile home insurance. These agencies typically have access to numerous carrier options, ensuring that you not only receive the best cost but also the correct coverages to protect you against unforeseen loss. Independent agencies have the flexibility to shop around and compare policies from multiple insurers, tailoring a plan that meets your specific needs and budget.

National Mobile Home Insurance is an Arizona domiciled insurance agency located in Chandler, AZ. With deep experience working in the state, they offer coverage options for nearly all areas and types of mobile homes, helping Arizona mobile home owners find the best possible policy for their unique situation.

Does Your Current Insurer Specialize In Manufactured Home Insurance?



Finding the right mobile home insurance policy in Arizona is crucial to protect your investment. Keep in mind the key factors discussed in this guide, such as location, home value, age, settlement options, and endorsement selections when shopping for coverage. By comparing quotes from multiple insurers, customizing your policy to your specific needs, and working with an independent agency like National Mobile Home Insurance, you can secure the best protection for your mobile, manufactured, or modular home in the Grand Canyon State. Stay aware of the unique weather events and regional housing trends in Arizona, and make sure to work with insurers that understand the state’s specific risks and regulations. By doing so, you can ensure your home is safeguarded against unexpected events and enjoy the peace of mind that comes with comprehensive coverage.


  1. U.S. Census Bureau: QuickFacts – Arizona
  2. Arizona Department of Housing: Manufactured Housing
  3. National Weather Service: Weather hazards in Arizona
  4. National Interagency Fire Center: Wildland Fire Statistics
  5. National Oceanic and Atmospheric Administration (NOAA): Arizona Monsoon Awareness Week
  6. Arizona Department of Transportation: Pull Aside, Stay Alive
  7. National Weather Service: Microburst

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National Mobile Home Insurance is an Arizona domiciled insurance agency (License #: 3000102138) offering personal lines insurance products to owners of mobile and manufactured homes in AL, AZ, AR, CA, CO, CT, DE, GA, ID, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, & WY. National Mobile Home Insurance is a trade name of NMHIC Corp. In the State of California (License #: 6001537) we operate as an insurance agency under the trade name NMH Insurance Agency. In MO, MT, PA, & UT we operate as an insurance agency under the trade name National Mobile Home Insurance Agency.