Every year the Arizona Department of Insurance publishes a study that is truly invaluable to mobile home owners in the state. Although homeowner's insurance for a mobile home in Arizona is very similar to a traditional home owner insurance policy, there are a few differences. The study provides information related to the average cost to insure both a single wide and double wide mobile home in the state. This gives the consumer a starting point to compare to when they begin shopping for insurance.
One of the first things to consider when shopping for homeowner's insurance for a mobile home is whether you own or rent the unit. If you are the homeowner you will need to insure both the mobile home and the contents. For someone renting the home, they'll just need enough insurance to cover the loss of their personal belongings.
If you are unsure of what level of coverage you will need to enable you to replace all your belongings should you lose them in a fire, theft or if your mobile home is hit by lightning or damaged in a storm, consider making a list. This list will help you determine the value of your possessions and will also aid the insurance company if you need to make a claim.
For individuals in need of homeowner's insurance that does cover property damage it's important to be aware that there are certain limitations on these types of policies in the state. If you suffer a fire in your mobile home, your Arizona homeowner's insurance policy will not cover the fire department service charge. There is also a standard limit of $ 100 on the replacement cost of glass. They will however cover your mobile home for a month if you are forced to move it from its primary location. In addition, most policies will also cover the expenses involved in emergency removal of your mobile home. Just to be certain, it's wise to inquire about this before you agree to purchase any policy.