Mobile home insurance in Phoenix typically falls between $750 and $1,200 per year, depending on home characteristics and coverage options.
– Lower-end policies near $750 often include basic dwelling and liability coverage with higher deductibles.
– More comprehensive plans with full dwelling replacement, personal property protection, and additional living cover may reach $1,200.
An experience mobile home contractor’s advice may be more effective for you to make the right decision.
Statewide Comparison
In Arizona overall, premiums range from $500 to $1,500 annually, with Phoenix clustered toward the higher end due to urban density, wildfire risk, and localized pricing trends.
How Phoenix Compares Nationally
Arizona’s homeowners insurance is slightly below average compared to national averages (around $1,211), but mobile home insurance tends to be higher due to added structure vulnerability and coverage differences.
Key Drivers of Mobile Home Insurance Premiums
Key drivers of mobile home insurance premiums include location, coverage level, home value, and risk factors. Homes in areas prone to storms or floods cost more to insure. The age and condition of the home, safety features, and claims history also affect premium rates.
Geographic Risk Profile
Phoenix lies in a high-risk zone for wildfires, extreme heat, and monsoon storms—factors that combined have led Arizona to see the largest home insurance rate increase in the U.S. between 2019–2024. A trusted roofing service can ensure you to minimize the risks.
This impacts mobile home premiums directly, as insurers adjust pricing based on catastrophic event exposure.
Home Attributes
– Age and construction type: Older or outdated mobile homes cost more to insure due to increased likelihood of damage.
– Size & dwelling value: Larger or more valuable homes mean higher replacement costs and therefore higher premiums.
– Security and safety features: Devices such as deadbolts, smoke detectors, and alarm systems can lower rates by reducing risk.
Coverage Selections
– Dwelling vs. Personal Property Limits: Higher coverage caps translate directly into higher premiums.
– Deductibles: Choosing a higher deductible reduces premiums, and vice versa.
– Valuation type: Replacement cost coverage typically costs more than actual cash value because it ignores depreciation.
Personal & Historical Factors
Credit score and past claim history are standard underwriting factors. Poor credit or numerous past claims may increase premiums.
Additionally, mortgage lenders in Phoenix often require proof of insurance—even if the state does not mandate it.
How much does Mobile home park insurance cost in Phoenix, Az?
Mobile home park insurance in Phoenix typically costs between $3,000 and $10,000 per year per location.This amount depends on the park size, location risk, and number of occupied lots. Basic coverage usually includes general liability, property, and premises coverage.
Premiums increase if the park has older infrastructure or natural hazard exposure. Adding endorsements like loss of income, equipment breakdown, or umbrella liability raises the cost. Always compare quotes from insurers familiar with manufactured home communities in Arizona for best pricing.
How much does mobile home homeowners insurance cost?
Mobile home homeowners insurance in Phoenix, AZ usually costs between $750 and $1,500 per year. The price depends on the home’s age, size, and coverage level. In areas like Ahwatukee, Glendale, or Mesa, risk factors such as monsoons and wildfire exposure can raise premiums. You can choose from basic coverage or full protection, which includes liability, contents, and loss-of-use. Some discounts apply if your home is newer, has a security system, or is anchored to a permanent foundation.
Here’s a quick look at average prices:
| Area in Phoenix Metro | Annual Cost Range |
| Phoenix / Laveen | $750 – $1,200 |
| Chandler / Gilbert | $800 – $1,400 |
| Scottsdale / Peoria | $900 – $1,500+ |
How much does mobile home trailer insurance cost?
Mobile home trailer insurance in Phoenix, AZ generally costs between $500 and $1,300 per year. Rates vary by the trailer’s age, value and whether it is permanently installed. In areas like Tempe, Goodyear and Apache Junction, weather risks can also affect pricing. Basic trailer insurance usually covers fire, theft, and limited liability. However, full coverage adds protection for structure, personal belongings, and living expenses. You may also receive discounts if your trailer is in a 55+ community or has storm-resistant features.
Here’s a local cost breakdown:
| Phoenix Area Location | Estimated Annual Cost |
| Tempe / Avondale | $550 – $1,100 |
| Surprise / Glendale | $600 – $1,200 |
| Apache Junction / Mesa | $650 – $1,300+ |
How much does mobile home renters insurance cost?
Mobile home renters insurance in Phoenix, AZ typically costs between $120 and $300 per year. This coverage protects your personal belongings, not the structure itself. In places like Scottsdale, Queen Creek, or Peoria, premiums may rise due to weather or theft risk. Policies also include liability protection and coverage for temporary housing after a covered loss. Many renters qualify for discounts if they bundle with auto insurance or add smoke detectors and alarms. Here’s a look at estimated costs across Phoenix metro:
| Area in Phoenix Valley | Annual Cost Range |
| Scottsdale / Queen Creek | $140 – $280 |
| Peoria / Chandler | $130 – $260 |
| Laveen / Ahwatukee | $120 – $250 |
How much does older mobile home insurance cost?
Older mobile home insurance in Phoenix, AZ generally costs between $1,000 and $1,800 per year. Rates are higher because homes built before 1976 may lack HUD-compliant safety standards. In cities like Phoenix, Apache Junction and Glendale, premiums also depend on weather risk and community security. Insurers often require inspections or upgrades like tie-downs and updated electrical systems. If the home is not permanently affixed, you may need specialty or high-risk coverage. Here’s a look at common price ranges by location:
| Area in Phoenix Metro | Estimated Annual Cost |
| Apache Junction / Glendale | $1,100 – $1,800 |
| Phoenix / Laveen | $1,000 – $1,600 |
| Tempe / Surprise | $1,200 – $1,700 |
How much does progressive mobile home insurance cost?
Progressive mobile home insurance in Phoenix, AZ typically costs between $800 and $1,400 per year. The exact rate depends on the home’s age, location and coverage options. In areas like North Phoenix, Tolleson or Mesa, rates may rise due to fire or weather risks. Progressive offers standard coverage for dwelling, liability and personal property. You can also add extras like trip coverage or water backup protection.Discounts are available for bundled auto policies or for homes with security features.
| Area in Phoenix Metro | Estimated Annual Cost |
| Tolleson / Laveen | $850 – $1,250 |
| Mesa / Chandler | $900 – $1,400 |
| North Phoenix / Peoria | $800 – $1,300 |
How much does average mobile home insurance cost per month?
The average mobile home insurance cost per month in Phoenix, AZ is between $60 and $125. This monthly rate depends on factors like the home’s size, age, and coverage type. In areas like Mesa, Chandler, and Surprise, pricing may vary due to regional risks and policy limits. Most policies include coverage for fire, theft, liability, and personal property. You may pay less if you bundle with auto insurance or install safety features. Here’s a monthly breakdown by area:
| Phoenix Area | Monthly Cost Estimate |
| Mesa / Surprise | $65 – $115 |
| Chandler / Avondale | $70 – $120 |
| Phoenix / Gilbert | $60 – $125 |
What is the cost of mobile home insurance that is most heavily affected by?
The cost of mobile home insurance is most heavily affected by a few key factors. First, the age and condition of the home matter most—older units in areas like Apache Junction or Glendale often have higher premiums. Second, location risks such as monsoons, wildfire zones, or crime rates impact prices in Laveen, Peoria, and Surprise. Third, your coverage level—basic vs. comprehensive—can double your rate. Also, foundation type (permanent vs. movable) and deductible amount play a role. Here’s a summary:
| Factor | Impact on Cost |
| Home Age/Condition | High |
| Location Risk | High |
| Coverage Level Chosen | Medium to High |
| Anchoring/Foundation | Medium |
| Security Features / Bundles | Lowers Cost if Present |
What would be the cheapest or low cost mobile home insurance?
The cheapest mobile home insurance in Phoenix, AZ starts around $40 to $60 per month. You’ll find the lowest rates in areas like Tempe, Laveen, and Ahwatukee, especially for newer homes. Basic coverage includes fire, theft, and limited liability but may not cover flood or full replacement. To save more, consider higher deductibles or bundling with auto insurance. Also, adding safety features like smoke detectors or tie-down systems helps lower premiums.
Here’s a quick comparison:
| Area in Phoenix | Low-Cost Estimate (Monthly) |
| Tempe / Laveen | $40 – $65 |
| Ahwatukee / Glendale | $45 – $70 |
| Mesa / Avondale | $50 – $75 |
Which is the best mobile home insurance company in Phoenix Az?
The best mobile home insurance companies in Phoenix, AZ offer strong coverage, fair rates, and reliable service. Top providers include Foremost, Progressive, Assurant, and American Modern. These companies serve cities like Chandler, Gilbert, and Peoria with custom options for new and older homes.
| Insurance Company | Known For |
| Foremost | Great for older homes |
| Progressive | Competitive rates and bundling |
| Assurant | Park-friendly, easy claims |
| American Modern | Strong for custom coverage |
Where to Find Quotes & Licensed Providers?
You can find mobile home insurance quotes and licensed providers in Phoenix through state insurance directories, online comparison tools, and local agents. The Arizona Department of Insurance lists verified providers. National insurers and regional agencies also offer online quote platforms for quick comparisons.
Licensed Insurers in Arizona
The Arizona Department of Insurance & Financial Institutions (DIFI) maintains a list of licensed mobile home insurers updated as of May 2025. You can directly reference this list when shopping for policies to confirm legitimacy.
Major and Recommended Providers
– Foremost, American Modern: Specialized in mobile home insurance with strong coverage options.
– Progressive, Allstate, Farmers, American Family: Offer bundle discounts, endorsements, and flexible underwriting for Arizona owners.
Further Reading & Resources
- Insuranceopedia: Best Mobile Home Insurance in Arizona for 2025
- NationalMobileHomeInsurance: Arizona State Guide
- Arizona DIFI: Licensed Homeowners Insurance Companies (May 2025)
Coverage Options and Endorsements for Phoenix Mobile Homes
Let see the coverage options and endorsements below,
Mandatory Dwelling Coverage
Every policy must include dwelling coverage, which protects the structure of the mobile home itself. In Phoenix, choosing either replacement cost or actual cash value valuation can significantly affect premiums:
- Replacement cost covers rebuilding the home at today’s prices—ideal in markets with rising construction costs but often 10–20% more expensive.
- Actual cash value factors in depreciation, offering savings upfront but possibly leaving gaps in rebuilding funds after a loss.
Personal Property and Liability Protections
- Personal property coverage insures belongings inside the home. Selecting higher limits or optional coverage (e.g., for antiques, business equipment) will raise the premium.
- Personal liability coverage defends against injury or property damage claims from third parties. Most insurers recommend at least $100,000 in coverage, but Arizona-specific liability laws may make $300,000+ worth considering.
Loss of Use / Additional Living Expenses
When a mobile home becomes uninhabitable due to a covered event, loss of use coverage pays for temporary lodging. In Phoenix, this endorsement may range from 10%–20% of dwelling limits, adding $50–$150 annually depending on policy size.
Optional Endorsements
- Windstorm and hail coverage: Phoenix monsoon season increases the value of standalone wind/hail endorsements or separate wind deductibles.
- Flood insurance: Not included in standard policies; available through the National Flood Insurance Program (NFIP) or private carriers. Flood premiums vary widely based on flood zone.
- Electrical and appliance breakdown coverage: Protects costly internal systems and can cost between $30–$60 per year.
Real-World Premium Scenarios in Phoenix
Let’s see some real life premium scenarios of Phoenix.
Scenario 1: Standard 14×70 Mobile Home in North Phoenix
- Age: 1980s model
- Coverage: $150,000 dwelling (replacement cost), $50,000 personal property, $100,000 liability, $30,000 loss of use
- Premium Estimate: $950–$1,050/year
- Key Factors: Older construction, mid-tier coverage, moderate deductible, wildfire-adjusted rate
Scenario 2: Newly Installed 16×80 Home with Seismic Retrofit
- Age: Built 2021
- Coverage: $200,000 dwelling, $75,000 property, $300,000 liability, $40,000 loss of use, optional wind endorsement
- Premium Estimate: $1,200–$1,350/year
- Key Factors: New structure, high liability, safety upgrades, specialized endorsement
Scenario 3: Older Home with Basic Liability in South Phoenix
- Age: 1975
- Coverage: $100,000 dwelling, $25,000 property, $100,000 liability, high deductible ($2,500)
- Premium Estimate: $700–$800/year
- Key Factors: Lower coverage tiers, fewer endorsements, high deductible
Comparing Insurance Providers for Phoenix Mobile Homes
When comparing insurance providers for Phoenix mobile homes, focus on coverage, cost, and customer support. Check policies for protection against heat, storms, and fire risks common in Arizona. Compare premiums, deductibles, and reviews to find the best balance of price and reliability.
National vs Local Providers
In Phoenix, homeowners can choose from national carriers with established mobile home policies or local brokers who specialize in Arizona-specific risks. Here’s how they compare:
| Provider | Strengths | Potential Limitations |
| Foremost | Designed specifically for manufactured homes, flexible endorsements, accepted by most AZ lenders | May be pricier for older homes |
| American Modern | Competitive rates for newer mobile homes, offers replacement cost valuation | May limit availability in rural zip codes |
| Progressive | Multi-policy discounts, broad underwriting across mobile home types | Replacement cost optional in some areas |
| Farmers | Personalized agent support, easy bundling | Fewer digital quote tools for mobile homes |
| Blake Insurance Group (Local Broker) | Works with dozens of carriers, quote shopping assistance | May involve broker fee or commission markups |
| AZ-based Independent Brokers | Localized risk insights, tailored endorsements for Phoenix risks | Less transparent pricing online |
Mobile Home Insurance Buyer’s Checklist for Arizona
Before finalizing any mobile home policy in Phoenix, go through this checklist to ensure full coverage alignment:
- Know Your Home’s Specs
- Manufacturer, model year, square footage, VIN number
- Foundation type (pier, concrete slab, etc.)
- Roof material and recent renovations
- Understand Required Coverage
- What minimum dwelling protection does your lender require?
- Are personal property and liability limits high enough for your needs?
- Ask About Arizona-Specific Risks
- Are wildfires, flash floods, or monsoons covered or excluded?
- Does the policy include increased living expense protection during repairs?
- Compare Deductible Structures
- Standard flat deductible vs. split deductible for named perils (e.g., $500 fire / $2,000 wind)
- Request Discounts
- Bundle savings with auto or RV
- Security and roof upgrade credits
- Claims-free or loyalty incentives
- Verify Insurer Licensing
- Check Arizona DIFI’s latest
Frequently Asked Questions
How much does mobile home insurance typically cost in Phoenix?
Most Phoenix-area policies cost between $750–$1,200 per year, with pricing affected by the home’s age, condition, and the coverage you select.
Is mobile home insurance required in Arizona?
The state does not legally require it, but lenders typically mandate coverage for financed homes. Park or HOA rules may also require proof of insurance.
What’s the difference between mobile and manufactured home insurance?
For insurance purposes, they’re generally treated the same. However, homes built after June 15, 1976 are technically classified as manufactured homes under federal HUD standards.
Does homeowner’s insurance cover flooding in Phoenix?
No, flood damage is not included in standard policies. Separate flood coverage must be purchased via the NFIP or private carriers.
Can I insure an older mobile home in Arizona?
Yes. Most insurers offer policies for homes built in the 1970s or earlier, though you may need a recent inspection and could face higher premiums or reduced coverage options.
How do I file a claim for monsoon or wind damage?
Document the damage with photos, review your deductible, and contact your carrier within 24–48 hours. If your policy includes Additional Living Expenses, it can help pay for temporary housing while repairs are underway.
Conclusion
Mobile home insurance in Phoenix is not one-size-fits-all. Your premium depends on how well you match your home’s unique risks with tailored protections. With increasing climate volatility in Arizona, reviewing coverage annually and securing local broker input ensures both affordability and peace of mind.