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Mobile Home Insurance in Arizona

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Written by:

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Reviewed by:

Douglas Dedrick

Legal Writer

Douglas Dedrick is the founder and lead researcher of HealingLaw.com, an organization dedicated to making law accessible for all. He has over a decade of experience as a landscaper, gardener, and lawn care professional. He has been building his writing career on many topics surrounding law, health, and nature. Douglas enjoys spending his time studying controversial topics and writing captivati...

Legal Writer

UPDATED: Sep 23, 2020

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UPDATED: Sep 23, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Arizona Home Insurance Statistics Summary Arizona Home Insurance FactsDetails State Population7,278,717 Median Home Prices$241,660 Homeownership Percentage64.80% Biggest Home Insurance CompanyState Farm Average Annual Rate$825 Direct Premiums Written Annually$1,687,244,000 Homeowners Insurance Incurred Losses$1,028,336,000 * Stats displayed are for entire Arizona housing market which includes mobile homes.

Mobile home ownership is growing in Arizona, but insurance for mobile homes is still a niche market for most companies, making the comparison of mobile home versus home insurance often doubly hard and even more time-consuming. When looking for mobile home insurance, Arizona residents will find most quoted prices are not even available for mobile homes.

So, what are the best mobile home insurance rates in Arizona? What should I look for in a mobile home insurance policy in Arizona? Is mobile home insurance more expensive? Which insurance companies cover mobile homes in Arizona? What are the best mobile home insurance companies in Arizona? You can find out all you need to know about how to find the best mobile home insurance in Arizona with our detailed guide.

If you want to get a jump start on the whole purchasing process and find Arizona mobile home insurance rates, then try out our free online quote engine. All you have to do is type in your ZIP code, and we will provide you with estimates from the leading Arizona mobile home insurance companies in no time. It’s that simple.

Table of Contents Toggle Arizona Mobile Home Insurance Coverage RatesAverage Mobile Home Insurance Rates In ArizonaAdditional Coverage in ArizonaAdd-Ons, Endorsements, and Riders in ArizonaArizona Homeowners Insurance ExclusionsBest Arizona Home Insurance CompaniesLargest Mobile Home Insurance Companies in Arizona Financial RatingArizona Companies with the Best RatingsCompanies with Most Complaints in ArizonaLargest Home Insurance Companies in ArizonaNumber of Insurers in ArizonaArizona Homeowners Insurance LawHome Insurance Laws in ArizonaHigh-Risk Insurance in ArizonaValued Policy Law in ArizonaHome Insurance Fraud in ArizonaArizona Home Insurance RisksProperty Crimes in ArizonaHome Fires in ArizonaCatastrophic Risks in ArizonaFlooding in ArizonaWildfires in ArizonaEarthquakes in ArizonaHomeownership in ArizonaHomeownership Statistics in ArizonaAverage Home Price in ArizonaMortgages in ArizonaProperty Taxes in ArizonaArizona Mobile Homeowner’s Insurance: The Bottom LineFrequently Asked Questions: Mobile Home Insurance Arizona#1 – Is mobile home insurance higher?#2 – How can I save money on mobile home insurance?#3 – How do I file a claim on my mobile home insurance policy?#4 – Will filing a claim make my rate go up?#5 – Will getting a quote affect my credit?

Table of Contents

Arizona Mobile Home Insurance Coverage Rates

What is covered in a mobile home policy? Standard mobile home insurance coverage options, which include dwelling, other structures, personal property, liability, and loss of use, are on average the same state by state, but the rates for those coverage options do vary in price depending on your location, age of home, and type of manufactured home.

To give you a better idea of where you stand price-wise for an insurance policy covering your mobile home in Arizona, we have gathered some average rates from the top insurance companies that are particular to the state.

Average Mobile Home Insurance Rates In Arizona

Coverage options are important, but when it comes down to it, the actual mobile home insurance quotes are still a top priority for most mobile homeowners. What good is a policy that provides all your coverage needs if you can’t afford to pay the premium?

The table below helps answer the question of “what is the average cost of homeowners insurance in Arizona?”.

Arizona Average Annual Home Insurance Rates StatesAverage 2017 RatesAverage 2016 RatesAverage 2015 Rates Arizona$825$803$810 Countrywide$1,211$1,192 $1,173

These rates are an average for all types of homeownership in Arizona, so they do not directly apply to mobile home ownership. It is not the best snapshot for how much homeowners insurance is for a mobile home as those types of insurance policies are generally higher than your standard home insurance. However, it does give you an idea of what the insurance market looks like in Arizona.

As the data provided shows, Arizona’s average homeowners insurance rate is significantly lower than the national average. The difference of $200 may not seem like a lot, but it certainly adds up over time.

And depending on your mobile home location, age, and quality, you can expect from a brief overview of these figures to spend significantly less on your mobile home insurance needs than you would in another state in the nation. Of course, older mobile home insurance rates will be higher, but in general, you’d rarely hear the question why is mobile home insurance expensive in Arizona.

Additional Coverage in Arizona

Risk factors such as flooding and earthquakes are important when discussing what to know about insuring a mobile home in Arizona. Parts of Arizona can be prone to both natural disaster events.

Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available as a separate policy from the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), and from some private insurers.

Arizona Flood Insurance Claims Total Number of ClaimsTotal Claim Payments (in million dollars) 1100.49

Arizona is not immune to flooding, but currently has a very low risk as shown in the chart above. In comparison to more coastal regions, it probably is not a high priority to look into flood insurance for your mobile home. However, you should be aware of your location and check FEMA’s FloodSmart site to see if your mobile home location is in a high-risk, flood-prone area.

According to ILL, Arizona carries a total of 31,131 flood policies for an estimated $7,982.4 million. This suggests that although flooding is low risk in most areas of Arizona, there are those regions of the state that may be more susceptible to flooding. Be sure to check your area and purchase flood insurance accordingly.

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary Arizona homeowners insurance policies do not cover earthquake loss.

Since the number of earthquakes in the U.S. has increased dramatically since 2001, Arizona mobile homeowners may want to purchase additional earthquake insurance; a quick survey of the changes in earthquake frequency in the southwestern region of the U.S. shows significant increases in just a ten year period.

In 2000, there were only 2,342 earthquakes while the figures for 2010 show an increase of close to 6,000 events at a grand total of 8,496.

In the past century or more, 14 tremors of intensity V to VII have centered within Arizona’s borders. Probably the most famous earthquake in this region occurred in 1887 near Bavispe, Mexico, about 190 miles southeast of Tucson.

Since mobile homes may be more at risk for damage from earthquakes, Arizona mobile homeowners should speak with their insurance agent about the costs and needs of adding on earthquake insurance. Earthquake insurance can often be costly, so many mobile homeowners do not add it to their existing policies. However, it is important to know your options.

Add-Ons, Endorsements, and Riders in Arizona

As mentioned previously, what is covered in a mobile home policy does not differ state to state, but the available add-ons can vary depending on which state you live in as well as which insurance company you choose as your primary source of coverage.

Add-ons, endorsements, and riders are policy options generally not covered under your standard mobile home insurance plan, and mobile homeowners are given the option of “adding-on” coverage for an additional charge.

Are there any policy riders I should consider? We have provided a shortlist of add-ons, endorsements, and riders that are particular to the Arizona area.

We would like to point out that it is important that you consult with your chosen insurance company to go over your mobile home insurance coverage checklist for the particulars of your policy to find out what is and what is not covered. There is nothing worse than finding out you were not covered for damages especially when you could have been covered with these additional coverage options.

Arizona Homeowners Insurance Exclusions

Exclusions eliminate coverage for some type of risk. Most insurance policies are very broad and not too specific, they use exclusions to take away coverage for unwanted risks. Here are some reasons coverage may be excluded:

So, what isn’t covered in a mobile home policy? For Arizona, the most important exclusion would probably be earthquakes. The area is more prone to earthquakes so mobile homeowners will want to understand what is and what is not covered in case of earthquake damage.

The state also passed new laws that forbid Arizona’s cities and counties from enacting or enforcing breed-based dog regulations. BSL is still in effect in hundreds of jurisdictions across the country, but with Arizona’s new law, 20 states now have so-called “BSL-preemption” laws.

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Best Arizona Home Insurance Companies

Since mobile home insurance is still a niche market for most companies, it is sometimes twice as hard to find an insurance company that will provide the coverage you need at a price you can afford.

Fortunately, Arizona has a growing mobile home community making the search a little easier. To even the playing field, though, we have gone through the local stats to find you who has the cheapest mobile home insurance in Arizona.

With this key information in hand, you should be better able to find the cheapest mobile home insurance company offering the right coverage to meet your needs.

Largest Mobile Home Insurance Companies in Arizona Financial Rating

A lender would not provide you a loan without doing a thorough background credit check, and you should not invest in an insurance company without doing the same. Before choosing an insurance company, you need to make sure that it has a solid financial background so that when damage or loss occurs, it will be able to pay out your claims.

A.M. Best is the top credit ranking agencies in the insurance business providing financial ratings for insurance companies, so you can make a better-educated decision when choosing the right mobile home insurance provider.

Below is a chart with the top ten insurance providers as well as their ratings from A.M. Best.

Arizona Top Ten Home Insurance Companies A.M. Best Ratings RankCompaniesDirect Premiums WrittenMarket ShareA.M. Best Financial Rating 1State Farm$312,53717.4%A++ (Stable) 2Farmers Insurance Group218,04312.1NR 3USAA Insurance Group166,1509.3A++ (Stable) 4Liberty Mutual156,9508.7A (Stable) 5American Family Insurance Group155,7138.7NR 6Allstate Corp.152,9168.5A+ (Stable) 7Travelers Companies Inc.93,8675.2A++ (Stable) 8Hartford Financial Services42,0232.3NR 9CSAA Insurance Exchange38,1572.1A (Stable) 10Chubb32,6991.8A++ (Stable)

The information provided above is for the entire home insurance industry in Arizona which includes the mobile home division of insurance. It is not an exact picture of mobile home insurance companies, but it is a good jumping-off point to see which companies provide the best mobile home insurance policies with credit rankings in your area.

So, which of these home insurance companies covers mobile home insurance? Each of the top 10 insurance companies in Arizona provides some form of mobile home insurance either through the parent company or a subsidiary.

State Farm by far is the most popular provider with strong financial backing. However, any of the top ten companies all seem to have above favorable financial rankings and would make for a solid investment for your mobile home insurance policy.

Foremost mobile home insurance, would take second as it is a subsidiary of Farmers, which has a large hold of the home insurance market in Arizona. Other national heavy hitters, like Allstate mobile home insurance, each have above-average financial ratings making for good candidates for mobile home coverage.

Other top companies in the field, like Assurant mobile home insurance or even Geico Mobile Home insurance, do not show up on this top ten list as their specialty is in the mobile home market. This chart is measuring the entire home insurance market in Arizona. However, Assurant acts as a subsidiary of Liberty Mutual which places fourth overall in financial rankings making the company a trusted investment for mobile home coverage.

Arizona Companies with the Best Ratings

Financial stability is definitely important when picking a mobile home insurance company, but customer service and the quality of insurance coverage offered can be equally as important. What good is a financially stable mobile home insurance company if it is impossible to file a claim or receive a payout for said claims?

In order to find the best customer service in the mobile home insurance market, we turn to J.D. Power, leading customer service and quality product analyst. J.D. Power has made a name for itself in the auto industry. It also conducts yearly studies to measure customer service and product quality in the insurance industry.

Below is a table of the top 10 Arizona home insurance companies and how they ranked in the J.D. Power Home Insurance Study.

Arizona Top 10 Insurance Companoes J.D. Power Ratings RankCompaniesJ.D. Power Customer Satisfaction Rating (Out of 1,000 Points) 1State Farm831 2Farmers Insurance Group808 3USAA Insurance Group878 4Liberty Mutual792 5American Family Insurance Group808 6Allstate Corp.814 7Travelers Companies Inc.796 8Hartford Financial Services806 9CSAA Insurance Exchange807 10Chubb775

The J.D. Powers Home Insurance Study for 2019 is not a regional survey limited to Arizona, but an insurance company’s overall grade in customer service is just as useful when choosing the right mobile home coverage.

Each of the top 10 insurance companies in Arizona scored well in the J.D. Power home insurance study with most rated above 800 points, which is more than favorable. But which of these insurance companies cover mobile homes?

Each of the top six insurance companies in Arizona offers some form of mobile home insurance either themselves or through a subsidiary company. For example, Liberty Mutual Insurance Company can assist you in purchasing mobile home coverage from Assurant, a leading mobile home insurance company.

Companies with Most Complaints in Arizona

The National Association of Insurance is a watchdog organization that holds the insurance industry up to higher standards. The company measures complaints from individual insurance companies to help consumers make better-educated decisions when purchasing their insurance policies.

The table below lists the NAIC number of complaints and complaint index scores for the top ten insurance companies in Arizona.

Arizona Top Ten Home Insurance Companies NAIC Complaint Scores RankCompaniesNAIC Recorded ComplaintsNAIC Complaint Index Score 1State Farm170.35 2Farmers Insurance Group10.34 3USAA Insurance Group00.49 4Liberty Mutual00.64 5American Family Insurance Group00.72 6Allstate Corp.01.2 7Travelers Companies Inc.00 8Hartford Financial Services03.63 9CSAA Insurance Exchange43.71 10Chubb00.31

The data above is for the entire home insurance market which includes the mobile home division of insurance. The number of home insurance complaints in Arizona is minimal which is a good sign for mobile homeowners.

State Farm has the most complaints, which most likely has more to do with the size of the company and a large number of policies than it does with the company’s degree of customer service. The rest of the top ten show limited or no complaints.

The NAIC complaint index score in the table is a national average of complaints about each company. With the national average measured at one, the only companies that provide red flags in mobile home insurance policies are those at the bottom of the list, so you may want to tread cautiously if planning on purchasing a mobile home insurance policy from them.

Largest Home Insurance Companies in Arizona

There are benefits to larger insurance companies, such as assurances that your claims will be paid out. However, smaller companies may provide more hands-on customer service. You should take both of these options into consideration when making your decision for mobile home insurance coverage. The table below lists the top ten home insurance companies in Arizona.

Largest Home Insurance Companies in Arizona RankCompaniesDirect Premiums WrittenMarket Share 1State Farm$312,53717.4% 2Farmers Insurance Group$218,04312.1% 3USAA Insurance Group$166,1509.3% 4Liberty Mutual$156,9508.7% 5American Family Insurance Group$155,7138.7% 6Allstate Corp.$152,9168.5% 7Travelers Companies Inc.$93,8675.2% 8Hartford Financial Services$42,0232.3% 9CSAA Insurance Exchange$38,1572.1% 10Chubb$32,6991.8%

The largest home insurance company is clearly State Farm with the top five being rounded out by Farmers, USAA, Liberty Mutual, and American Family. Each of these companies offers mobile home insurance and should have no problem paying out claims in the near future.

Number of Insurers in Arizona

The number of insurers within a state is measured by whether they are domestic or foreign. Domestic insurance companies would have their main headquarters located within the state of Arizona while foreign would mean that the insurance company’s headquarters is located elsewhere.

Arizona currently has 40 domestic home insurance companies and 943 foreign. The foreign far outweighs the domestic when it comes to home insurance within Arizona, but what does this mean for you as a mobile homeowner?

Is it better to buy mobile home insurance online or through an independent agent?

For the most part, foreign and domestic insurance company differences are very limited in the modern age. Technology has allowed foreign companies to operate in other states without missing a beat. However, domestic insurance companies would have a more intimate knowledge of Arizona and the needs of the state’s mobile homeowners.

Is mobile home insurance more expensive than other homeowners policies? Find out right now with our free online quote option. You simply type in your ZIP code, and we’ll send you a list of detailed mobile home insurance quotes from multiple insurance companies.

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Arizona Homeowners Insurance Law

The laws governing insurance for mobile homeowners are generally the same state by state. There can be some differences, though, so, in the section below, we discuss the mobile homeowner’s insurance laws that apply to Arizona residents to help you better evaluate the pros and cons of insuring a mobile home in Arizona.

Home Insurance Laws in Arizona

You are not required by law to purchase homeowners insurance for your mobile home. But, many mortgage companies and trailer parks require proof of insurance.

High-Risk Insurance in Arizona

Mobile homeowners in areas that are prone to high risk of damage such as flood plains or those prone to wildfires may have difficulty securing a fair and affordable insurance policy. In these areas, insurance prices can either be very high or severely limited as most insurance companies have moved out of the areas.

So, if you are residing in high-risk areas and policies are too pricey through most insurance companies, then you can still apply for coverage through the Fair Access to Insurance Requirements (FAIR) Plan insurance. It is important to mention that this should be regarded as a last resort option or a temporary band-aid for a situation that you resolve with more comprehensive insurance at a later time.

In most states, you still have insurance options in high-risk areas under the FAIR Plan, but this is not the case if your mobile home’s location is in Arizona.

The Fair Access to Insurance Requirements (FAIR) Plan has not been set up in Arizona to assist mobile homeowners in high-risk areas. It offers limited insurance packages that provide basic coverage options at affordable options.

Valued policy laws require an insurer to pay the face amount of any policy in the case of total loss to a structure. In these situations, it does not matter whether the replacement cost is lower than the face amount; the insurance company must pay the full value.

Arizona does not have a valued policy law for insurance property coverage.

Home insurance fraud occurs when either a policyholder or an insurance company report false or misleading information on claims in order to obtain more money.

According to the Insurance Information Institute (III), the FBI estimates that the total cost of insurance fraud (excluding health insurance) is more than $40 billion per year. Insurance fraud costs the average U.S. family between $400 and $700 per year.

According to Department data, in the fiscal year 2019, Arizona’s fraud department received more than 3,000 fraud referrals and completed 345 investigations using its six investigators.

You should be familiar with insurance fraud laws, so that you do not get scammed by an insurance company or accidentally commit insurance fraud yourself. Below is a video that better explains how to go about making a fraud complaint in Arizona.

If you or someone you know is either committing or the victim of insurance fraud, you should contact the Arizona State Insurance Dept Fraud Division.

Arizona Home Insurance Risks

The most costly claims generally come from areas where high-risk weather patterns create multiple large scale damage. Floods, earthquakes, and wildfires are all severe events that should be accounted for when purchasing your mobile home insurance plan.

Arizona mobile homeowners should also be aware of neighborhood-related statistics that may influence coverage options like property crimes. In the sections below, we will give you a rundown of each of these insurance risks as they apply to Arizona mobile homeownership.

Property Crimes in Arizona

Depending on the Arizona neighborhood crime rate, you may want to lower or raise your liability and property coverage options on your mobile home. We have compiled and listed the most recent crime statistics in the table below:

Arizona Property Crime Statistics by City CitiesPopulationProperty CrimeBurglaries Apache Junction41,245773118 Avondale85,2042,739384 Buckeye71,3181,348171 Bullhead City40,3541,444362 Camp Verde11,24921253 Casa Grande56,4791,478228 Chandler255,9865,430658 Chino Valley11,84017933 Clarkdale4,3674611 Coolidge12,81543366 Eagar4,876384 El Mirage35,733933397 Eloy19,54935170 Flagstaff72,8522,465178 Florence25,98712716 Fredonia1,300115 Gilbert247,4633,273406 Glendale249,79910,1861,641 Globe7,33054176 Goodyear82,1592,081358 Hayden9703920 Holbrook5,04818944 Jerome456103 Kearny2,116254 Kingman29,6691,152174 Lake Havasu City54,678830155 Marana46,4471,07662 Maricopa48,66048957 Mesa504,87310,0241,563 Miami1,7642621 Nogales19,97361082 Oro Valley44,84461067 Page7,57638734 Paradise Valley14,51919646 Parker3,06011638 Payson15,54940394 Peoria170,1773,241519 Phoenix1,653,08057,73210,479 Pinetop-Lakeside4,37111014 Prescott43,172896107 Prescott Valley45,33777673 Quartzsite3,69510524 Safford9,65728246 Sahuarita29,89634842 San Luis33,07447256 Scottsdale254,9615,683711 Show Low11,15642760 Sierra Vista42,5741,121153 Snowflake-Taylor9,97117859 Somerton16,38021863 Springerville1,955183 St. Johns3,5104811 Superior3,0957517 Surprise136,6112,103239 Tempe188,5437,8021,017 Thatcher5,0487012 Tolleson7,305671213 Tombstone1,283221 Tucson537,39226,6233,257 Wellton3,0033113 Wickenburg7,04212829 Willcox3,46515943 Williams3,1768510 Winslow9,36141064 Yuma96,1212,041407

The FBI states that 67 percent of burglaries are residential, and the data provided in the table is for all burglaries, not just homes.

Home Fires in Arizona

In 2019, the number of buildings fires in Arizona was at 111; these include any and all structures including residential homes.

The majority of home fires could have been avoided with the simple installation of a fire alarm. Three of every five home fire deaths come from homes with no smoke alarms (40 percent) or smoke alarms that were not working (17 percent).

Catastrophic Risks in Arizona

Wildfires and earthquakes are two of the most high-risk catastrophes that can occur in Arizona, so it is not unusual that 30-39 percent of all claims in Arizona come from catastrophe-related events.

Top 10 States For Wildfires RankStatesNumber of FiresRankStatesNumber of Acres Burned 1California8,1941Alaska2,498,159 2Texas6,8922Arizona384,942 3North Carolina3,8723Idaho284,026 4Georgia3,1584California259,148 5Oregon2,2935Texas215,493 6Florida2,1216Washington169,742 7Arizona1,8697Florida122,500 8Montana1,4748Utah92,380 9Washington1,3949Nevada82,282 10Alabama1,10710New Mexico79,887

Arizona currently ranks seventh in the nation for the most wildfires, and second for the total number of acres burned.

Arizona is a relatively low risk when it comes to flooding. Below you will find a list of the most recent major flood events in Arizona state history.

Significant Arizona Floods

You can type in your address at the website for the FEMA Flood Map Service Center (MSC) and find out exactly how high of a risk flooding is to your mobile home.

This site is the official public source for flood hazard information produced in support of the National Flood Insurance Program (NFIP). You can use the MSC to find your official flood map, access a range of other flood hazard products, and take advantage of tools for better understanding flood risk.

If you are interested in purchasing flood insurance, contact your insurance agent to find out more about flood coverage; you can only purchase flood insurance through an insurance agent or an insurer participating in the NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral.

The growing threat from wildfires is concentrated in four states, Texas, California, Arizona, and Nevada, where more than 35 million people live in the high threat zone, known as the wildland-urban interface (WUI), where wildlands and development converge.

Arizona Wildfire Statistics StatesNumber of FiresNumber of Acres Burned Arizona1,869384,942 United States50,4774,664,366

Arizona received a D- grade from AMERICA’S PREPAREDNESS REPORT CARD in 2015. 2.9 million people or 45 percent of Arizona’s population is at high risk of wildfires that will only increase in the years to come. In Arizona, almost four times more large wildfires (larger than 1,000 acres) burned each year in the past decade, on average, than a typical year in the 1970s.

By 2050, Arizona’s average number of days each year with high wildfire potential is projected to increase from 80-115.

Arizona has a moderate risk for earthquakes with increases seen closer to the border of California.

At this point, Arizona mobile homeowners may be asking themselves: how can I easily compare policies and rates on mobile home insurance? And the answer is with our free online quote option. All you have to do is type in your ZIP code, and you’ll receive quotes from multiple mobile home insurance companies.

FREE Mobile Home Insurance Comparison Compare Quotes From Top Companies and Save  Secured with SHA-256 Encryption

FREE Mobile Home Insurance Comparison

Compare Quotes From Top Companies and Save

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Homeownership in Arizona

The rate of homeownership within your state can affect the pricing and effectiveness of your policy. States with higher rates of homeownership will draw the attention of multiple insurance companies expanding the home insurance market, but the higher rate of homeownership also will mean insurance companies in your area will operate with more claims.

Stability is what you should be looking for in a home insurance market, and a state with healthy and steady growth in homeownership bodes well for insurance prices. Below we list the homeownership statistics for the entire housing market of Arizona which includes mobile homeownership as well.

Homeownership Statistics in Arizona

The homeownership rate in Arizona is 64.8 percent, which is higher than the national average of 63.9 percent.

Average Home Price in Arizona

The median home sales price in Arizona is $241,660; Arizona has some of the lowest mortgage debt in the nation at $202,148. This is significantly lower than their neighbor to the west California which has the highest mortgage debt in the nation.

Arizona Coconino County has the most expensive mortgage debt pricing as listed below:

Mortgages in Arizona

According to Experian, Arizona has seen a close to 1.5 percent rise in mortgage debt, which is not too alarming considering California mortgages are close to twice as much with an increase of almost 2 percent between 2018 and 2019.

Arizona Average Mortgage Debt StatesAverage Mortgage Debt in 2018Average Mortgage Debt in 2019Percentage Change Arizona$199,421$202,1481.4% California$356,892$363,5371.9%

The Arizona mortgage prices are significantly lower than neighboring states and should be even lower for a mobile home dependent on cost and location.

Property Taxes in Arizona

The state of Arizona has relatively low property tax rates, thanks in part to a law that caps the total tax rate on owner-occupied homes. The average effective tax rate in the state is 0.72 percent, which is well below the 1.08 percent national average.

Arizona Mobile Homeowner’s Insurance: The Bottom Line

Mobile home ownership is growing in the nation and nowhere has seen bigger increases than in Arizona. Although the mobile home insurance is still a niche market, each of the top providers in Arizona offers some form of mobile home insurance. With mobile home’s growth trending upward in Arizona, the insurance market should only become more accessible to mobile homeowners.

Did we answer all your Arizona mobile home insurance questions?

Either way, we know that the search for the right mobile home insurance provider is difficult and hope our informative guide has helped in that process.

If you’re still asking yourself how should I compare policies and Arizona mobile home insurance quotes today, then try our free online quote option. All you have to do is type in your ZIP code and we will guide you through the process and help you find affordable Arizona mobile home insurance. Before you know it, you’ll receive multiple estimates from local insurance companies.

Frequently Asked Questions: Mobile Home Insurance Arizona

Do mobile homes get a different policy type than regular homes in Arizona? Now you know. For any unanswered questions, look at our list below.

#1 – Is mobile home insurance higher?

Similar to your standard homeowners policy, policies for older mobile homes will generally cost more to insure.

Since most companies do not offer replacement cost coverage, it can end up being even more expensive to insure you mobile home as it ages.

Questions like what factors will determine the rate of my mobile home policy and what information will I need when getting a quote will be best answered by the individual mobile home insurance Arizona based companies.

#2 – How can I save money on mobile home insurance?

Bundling options and discounts for securing your mobile home are some of the best ways to save money on home insurance.

Can I set the deductible on my policy in order to save in the long term? Higher deductibles are also another way mobile homeowners can save on insurance.

#3 – How do I file a claim on my mobile home insurance policy?

Filing a claim for your mobile home should be no different than filing with a standard home insurance policy. Most insurance companies have online services now available to customers for the claims process. Contact your insurance provider to learn more about its mobile home insurance claims process.

#4 – Will filing a claim make my rate go up?

Not necessarily, and it all depends on the particulars of the situation as well as the frequency of claims. Your insurance is there to protect you which means you should not be penalized for using it. Most insurance companies offer no claims rewards, but it is rare to hear about increased rates through no fault of a policyholder.

#5 – Will getting a quote affect my credit?

Whether requesting a quote from mobile home insurance Florida companies or those based in Arizona, your credit score will not be affected.

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Written by:

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Reviewed by:

Douglas Dedrick

Legal Writer

Douglas Dedrick is the founder and lead researcher of HealingLaw.com, an organization dedicated to making law accessible for all. He has over a decade of experience as a landscaper, gardener, and lawn care professional. He has been building his writing career on many topics surrounding law, health, and nature. Douglas enjoys spending his time studying controversial topics and writing captivati...

Legal Writer

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