Modular homes have become increasingly popular in Arizona for their affordability, modern design, and fast construction timelines. But just like traditional site-built homes, modular homes need the right insurance coverage —especially in areas prone to desert heat, dust storms, and seasonal monsoons.

At Riseson Insurance , we specialize in helping Arizona homeowners protect their investments with insurance plans tailored to modular and manufactured homes across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler.

A modular home is a type of prefabricated home built in sections at a factory and then transported to a permanent foundation at the home site. Unlike manufactured or mobile homes , modular homes must meet the same local building codes as site-built homes and often look indistinguishable from traditional houses.

Because of their unique construction and transportation process, modular homes require specific insurance coverage to account for these differences.

While modular homes are built to high standards, they still face unique risks, such as:

Transportation damage (if newly delivered) Installation complications Weather exposure ( high winds , flash flooding , wildfire risks in Arizona) Long-term durability concerns in extreme temperatures

Standard homeowners policies may not cover all of these scenarios, which is why a tailored modular home insurance policy is so important.

A proper insurance policy for your modular home typically includes:

Dwelling coverage – Protects the structure itself from damage ( fire , wind, theft , etc.) Personal property – Covers your belongings inside the home Liability protection – In case someone is injured on your property Loss of use – Helps cover living expenses if your home is uninhabitable due to a covered loss Additional structures – Covers garages, sheds, decks, or porches added to the home

Our agents at Riseson Insurance will help you find the right balance of coverage and affordability based on your modular home’s value, location, and usage.

Living in Arizona comes with regional risks—intense summer heat in Phoenix, high winds in Tempe, or flash floods in parts of Tucson. Our team understands the local landscape and how to properly insure modular homes in:

Scottsdale – Luxury modular builds and retirement homes Gilbert – Growing neighborhoods with affordable modular options Chandler – Family homes with energy-efficient upgrades

Whether you're living in your modular home full-time or using it as a seasonal property, we’ll make sure you’re covered with confidence.

Don’t leave your investment exposed. At Riseson Insurance, we simplify the process of finding the right policy and provide personalized support every step of the way.

Call us today at 602-460-5470 to speak with a licensed local agent about your modular home insurance options.

We’ll answer your questions, compare policies, and provide a free quote that fits your needs and your budget.

What Is a Modular Home?

Why Modular Home Insurance Is Essential

What Does Modular Home Insurance Cover?

Local Knowledge Matters

Get the Right Coverage for Your Modular Home

• Transportation damage (if newly delivered)
• Installation complications
• Weather exposure ( high winds , flash flooding , wildfire risks in Arizona)
• Long-term durability concerns in extreme temperatures

1. Dwelling coverage – Protects the structure itself from damage ( fire , wind, theft , etc.)
2. Personal property – Covers your belongings inside the home
3. Liability protection – In case someone is injured on your property
4. Loss of use – Helps cover living expenses if your home is uninhabitable due to a covered loss
5. Additional structures – Covers garages, sheds, decks, or porches added to the home

• Scottsdale – Luxury modular builds and retirement homes
• Gilbert – Growing neighborhoods with affordable modular options
• Chandler – Family homes with energy-efficient upgrades