If you have a manufactured or mobile home you know finding insurance coverage can be tricky as a lot of traditional insurance companies are unwilling to cover them. Or if they are willing to, they will often limit the coverage you need. This has left a lot of customers in a bad spot. However, there are a number of companies that specialize in covering manufactured homes, and have an appetite for providing the specialty coverage that a manufactured home policy needs. For many years there have been 3 main players in the market: American Modern, American Reliable/Assurant, and Foremost. However, the market has changed dramatically and a number of smaller companies have popped up recently competing with these companies. Here are some of the carriers that we at Gila Insurance Group work with to offer the best coverage we can find for our clients. We have listed these in alphabetical order. The companies have many coverage options, so you will want to speak with one of our licensed professionals to ensure you get the coverage that fits your scenario. 

fallen tree on mobile homeAegis General Insurance

Aegis is a company that has been in the market for a LONG time, but were very regional in nature. However, their leadership team has come several of the larger Manufactured home insurance companies, and they recently completed the acquisition of American Reliable.

American Modern

American Modern has long been a leader in the Manufactured home insurance market with coverage that matters. They have competitive coverage and rates and are among the best options you can find for manufactured home insurance. American Modern is A+ Rated. 

CoverTree

CoverTree is a newer player in the market with the backing of one of the largest insurance companies in the market, Markel. Their coverage is awesome, as are their rates for newer manufactured homes. Markel is A Rated. 

Foremost 

Foremost is the market leader and has been for many years. They offer coverage options on older mobile homes that their competitors will not, and are hands down the best option for homes that are older than 1980. Their rates are competitive, which is why they have been the market leader for many, many years. Foremost is a part of the Farmers Insurance group of companies and is A Rated. 

Standard Casualty

Standard Casualty is owned by a titan of the manufactured home industry, Cavco Industries. They have been around since 1961, and only sell manufactured home insurance. They offer no other lines of business. Their coverage for manufactured homes is phenomenal and they offer some coverage that others do not. They are a great option for homes that are 1980 and newer. Standard Casualty Company has a Rating of B++ (Good) according to AM Best (as of 3/29/2023).

Tower Hill Insurance

Tower Hill has been around since 1972. They are based in Florida and is one of Florida’s largest residential property insurance companies. They have expanded into 16 additional states. They offer excellent coverage for newer Manufactured Homes and have very competitive rates. They are A Rated According to Demotech. 

The key to finding the best-manufactured home insurance company is to find a company that understands manufactured homes. What do you look for in a manufactured home carrier? While a lot of the coverage is standard there are a couple of things that will indicate that your carrier doesn’t like manufactured homes. 

  1. Do they have weird exclusions for additions like sun rooms or carports? 
  2. Do they offer replacement costs on your home? If not, will they offer replacement costs on partial losses? While even the manufactured home specialists will sometime limit this on older homes, non-manufactured home carriers will often exclude this coverage on new homes. 

If you need coverage for your manufactured home, be sure to speak to a specialist who will have access to different manufactured home companies. You can start the conversation with Gila Insurance Group, by completing our free online insurance quote form, and we will shop these carriers and provide you with the best option for you.

Call An Independent Insurance Agent in Safford, ArizonaWhen shopping for home or auto insurance, you have an abundance of choices. You can call the number on TV or shop with a local big-named brand, but then you only get one choice. Independent insurance agents offer insurance from many insurance companies, not one like most others you see on television. The benefits of shopping with a local agent are numerous. Not only will you get to compare pricing, but additional benefits include:

What’s Your Time Worth?

When you call an independent insurance agency, you’re presented with multiple insurance quotes at once from multiple companies. Independent agents will often make a recommendation for protection levels and companies that best fit your needs, but ultimately, the choice is yours.

Professional, unbiased consultations

As an independent agent, we offer clients unbiased advice. After all, we work for you, not a specific insurance company. So, when you get a quote or policy from us, we take care to ensure you’re matched with the carrier with the best options for your specific needs.

Who doesn’t love a discount?

Our agents are discount detectives. We can look at your situation and coverage request and match you with a company that offers you the most discounts along the way. Some of these include safe driver, claims free, home & auto bundles, teen drivers, paid in full, and more! There are so many discounts available.

Local Relationship

As a local agent, we appreciate our connection to the community and being able to speak to our local client base over the phone or in the office. Our agents work and live in your community, so we care about your care and coverage.

Adaptability

This might be the biggest benefit of all. Everyone throughout their lives will need to change their insurance coverage for a reason or another. Perhaps you got married, purchased a home, had a child, invested in a rental property or you want an umbrella policy to increase your coverage. When you work with an independent insurance agency, you don’t have to change agents. We can find you a new company with the coverage and pricing you want for your new lifestyle.

If you need an insurance policy for your auto, home, boat, RV, or even business, call us. We can help you find affordable coverage for your situation. Get a free insurance quote today.

Home Technology & Insurance Discounts Gila Insurance in Safford, ArizonaIf you’re a homeowner, then you’re aware that it can be complicated to make sure your home is protected. If you’ve ever worried about your home being secure and free from damage, then you should consider purchasing technology that could provide you with peace of mind. Not only do the right devices and sensors provide you with a level of security, but they also can have positive impacts on your homeowners insurance.

Taking advantage of technology

The IoT (Internet of Things) market is one that has seen exponential growth within the past couple of years. Within the network of connected devices comes multiple benefits, both for homeowners and insurers. Making sure that your home is protected should be a mutual goal and it’s one that is made easier when your house is equipped with the right technology.

Did you know that there are multiple different types of sensors available to protect your home and help monitor to avert damage? Finding the right sensors could prevent damage to your home, as you can fix the problem before it becomes an even bigger issue. Being able to prevent damage is one of the most valuable benefits that IoT devices and sensors provide, as both homeowners and insurers have a vested interest.

What sensors should you consider?

Which sensors are right for you depends on the level of protection that you want to implement in your home. Many people have devices to protect and alert if a burglary takes place, but there are many other options that you can add as well including smart devices and garage doors.

Water sensors can alert you if there is a leak in your water supply, potentially saving you thousands of dollars in water damage as well as identify a smaller leak before it becomes a big one.

Humidity sensors are similar and can alert you if your house’s integrity is at risk. Implementing smart devices is one of the best ways to take advantage of innovative technology, harnessing its power to protect your home and lower your insurance premiums.

Why purchase additional devices?

One of the biggest reasons why many choose to implement more devices into their home is because of the insurance benefits that they can have. Not only can more technology provide you with peace of mind and assurance, but it could potentially lower your premiums. Because problems can be identified and solved before they multiply, insurance companies also have something to gain when you install the right devices.

Technology also allows for insurance claims to be completed easily. Because technology can be relied on to gain an accurate picture of a home’s state, claims can be settled quicker than normal. Not needing to rely on human assessments streamlines the process and leads to less disputed claims.

Taking the next steps

If you’re ready to learn more about smart insurance and what it could mean for your home, let us know. We’re experts in the field and work with our customers to help them find the right insurance solutions for their individual situations. Make an appointment with us today to learn more about the many benefits of installing devices and sensors in your home.

Make Sure You Are Covered

As a landlord, it’s important that you hold a solid insurance policy for your property or properties. Since your property’s safety and repair relies on you rather than your tenants, it’s important to have plenty of information and a high-quality policy to ensure you are always covered in any situation. Learn about four key factors for landlord insurance today from the team at Gila Insurance Group LLC. Contact us to discover how we can help with all of your insurance needs!


Two young women moving into rental property

The four main factors of landlord insurance you should know include:

  • General liability insurance
  • Aspects that impact your policy
  • Extra coverages
  • What is not covered

General Liability

The first thing that is absolutely necessary as a landlord is general liability coverage. This type of insurance policy will protect you if a tenant or guest injures themselves on your property. Without it, you could be held responsible and could face costly legal battles and fees.

Aspects That Impact Your Policy

In an insurance policy, almost everything about your property will have an impact. However, some of the main factors that may affect the price of your policy will include:

  • Your property’s location
  • The size of the property
  • Pool
  • Wood fireplace
  • Proximity to a fire hydrant
  • And much more

To learn more about the factors that go into considering a policy, you can reach out to our team today.

Renter's keychain with house icon inserted into house lock

Extra Coverages To Consider

Each property will have a unique set of needs, which can be reflected in your landlord’s insurance policy. If you live in a high risk flood area, you may be required to have flood insurance. You also might want to have vandalism or burglary insurance options. And in some cases, building codes require certain types of permits or insurance.

What Isn’t Covered?

While many aspects of your property are covered in a landlord’s insurance policy, not everything is covered. Some of the things that are not covered include:

  • Tenants’ belongings (they should have renter’s insurance to cover this)
  • Maintenance
  • Equipment breakdowns (water heater, refrigerator, etc)

Renters agreement with house keys and pen

Get The Coverage You Need

Make sure you and your property are always fully covered with the help of landlord’s insurance from Gila Insurance Group LLC. Contact our team today to learn more about landlord’s insurance and to get started with your policy.

Discover The Basics Today

Did you know that most home insurance policies do not include flood insurance? In most cases, it’s important to also purchase flood insurance for your home to protect you in case an emergency occurs on your property. Learn some of the things you should know about flood insurance today from Gila Insurance Group LLC, and contact our team to discover more about our flood insurance policies.


What Is Flood Insurance?

Flood insurance is in place to provide coverage for losses to your property or contents and items on your property when the damage was caused by flooding and rainwater run-off. If you have any concerns about water damage, it is always a good idea to get flood insurance, whether you live in a flood zone or not.

Exterior of home with severe flooding

When Should You Consider Flood Insurance?

Flood insurance should always be a consideration for your home. Even if you don’t live in a place with a lot of rain or a high probability of flooding, you can always be caught off guard and left out of luck. However, if your home or business is in a high risk flood area, there are often government requirements that demand that you have flood insurance for your property. Your lender may also require you to have flood insurance as part of the contract for your loan, both inside and outside high risk areas.

How Much Is Flood Insurance?

Flood insurance is a type of policy that can be difficult to nail down a precise price. It varies with many factors, including:

  • Your property’s flood risk
  • Your overall policy
  • How much coverage you want

Interior of home with minor flooding damaging hardwood flooring

Get Your Flood Insurance Today

When you’re looking for flood insurance, you can always count on the team at Gila Insurance Group LLC. We have experts that will assess your property and its risk of flooding and will provide you with the policy you need. Reach out to us today to learn more about flood insurance and to get a quote.

Preparing Your Home For Winter in Safford, ArizonaIf you’re a homeowner who lives in a colder climate, then you understand the importance of preparing for the winter. There are so many factors that can occur when the colder weather sets in and it’s important that you’re ready for various scenarios. Let’s go over some of the things that you can do to protect your home.

Have Homeowners Insurance

Purchasing insurance is one of the best ways to protect your house. Making sure that you have the right policy is important so that it takes into account any seasonal concerns you may have.

Clear Your Gutters

Especially if your winters tend to be filled with lots of rain, it’s important that your gutters are clear. Water buildup can lead to roof leakage or pipes breaking, so it’s essential that any rain has a clear path away from your house.

Clean Your Chimney

Who doesn’t love a cozy fire after a long day of playing in the snow? If you’re planning on using your fireplace this season, it’s important that regular maintenance has been kept up on it. Not cleaning out your chimney could be dangerous, so it’s important that you make sure this is checked off your to-do list.

Maintain Wood Exteriors

If you have a wood exterior on your home, then it’s important to make sure that it’s sealed from the elements. This will help you make sure that your heating bill is as low as possible, as well as maintain the integrity of your house.

Are Your Windows Insulated?

If your heating bill is higher than you think it should be, consider the insulation around your windows. Many people don’t consider that windows are an excellent way for heat to escape and cold air to enter your home. Make sure that you’re protected from the harsh wind by insulating your windows.

Weatherstrips are a great way to make sure that your windows and doors are prepared for harsh winters. They’re relatively inexpensive and could end up saving you money in the future.

Take a Look at Your Yard

There are lots of things inside that need your attention, but don’t forget to consider possible dangers in your yard. Trimming any tree branches around your house is a great way to prepare for winter storms and make sure that your house is as safe as possible.

Check Your Heater

If winter means cold weather where you live, then make an appointment to have a professional come take a look at your heating system. While they’re there, have them peek at your cooling system as well and make sure that everything’s in check. It’s best to have your systems checked sooner rather than later so that you know you can use them as soon as you need to.

Have Any Questions?

We’re experts when it comes to protecting houses, so we know what it takes to prepare for the winter. Feel free to give us a call or send us a message and we can provide you with more specifics.

Holiday Safety Tips Gila Insurance in Safford, ArizonaWith the holidays just around the corner, it is a great time to review holiday safety items around the household. Especially if you plan on a lighting display.

When it comes to holiday décor, some families go all out. Regardless of your level of displays, it is important to keep some things in mind for safety.

If you’re like many families displaying lights on the outside of your house during the holidays brings a lot of joy and festiveness to your home.

Holiday Light Safety

  1. Keep your extension cords tucked away and off walkways.
  2. Extension cords create a trip hazard when running across walkways and other areas where deliveries or guests need to walk. When possible, keep them away from sidewalks and tucked away.
  3. Use exterior extension cords & lights.
  4. Extension cords, as well as lights, come in interior and exterior grades. Be sure if you’re running lights outside to use an extension cord rated for outdoor use.
  5. Check for frayed wires.

Over time the wires on your lights may become frayed. Before you hang them up, carefully inspect your wires for frayed ends. If you find any, don’t risk it. Repair them or replace them before you hang them up.

Ladder Safety

Each year thousands of people are injured hanging lights on their homes from ladders. OSHA publishes safety precautions that are not only good for businesses to follow but for individuals to follow as well. Some of these safety tips include:

  1. Select the right ladder for the weight of the job.
  2. Every ladder has a weight limit. Look at the side of your ladder to determine if it can support enough weight for the job.
  3. Never utilize the top 3 feet of the ladder. This can cause instability if you go above that point.
  4. Inspect the ladder before use for damage.
  5. Never go down a ladder backwards.
  6. Ensure your ladder is on flat ground and stable before climbing.
  7. Never lean to the side on a ladder, this can cause instability.
  8. Use common sense when using ladders to ensure safety. If something feels unsafe to you when you’re on the ladder, it probably is.

We hope that you and your families have a safe and happy holiday season this year.

If you have questions about your home insurance policy, contact our agency today.

Auto Insurance Claim Expectations in Safford, ArizonaA Call for Facts of Loss

When you’re involved in a car accident the first thing that happens after you report your claim is you receive a call from the insurance adjuster. An insurance adjuster looks at your coverages, listens to your statement about what happened (Facts of Loss), and then determines fault. This adjuster will also guide you through the remaining process to get your vehicle back to pre-loss condition. If it is found that another party is at-fault, you may elect to go through them for your repairs. If you use your insurance, you may have to pay your deductible up-front which your insurance company will attempt to A close up of a damaged car headlight & to subrogate back for you.

Choices for Repairing Your Vehicle

When you need to get your vehicle repaired, the choice is up to you on who fixes your vehicle. Typically, the insurance carrier will work with a network of body shops in your area and can recommend one or two. Regardless of who you choose, the insurance adjuster or estimator will work with the body shop on your behalf to ensure your car is repaired.

Vehicle Parts

Oftentimes, insureds are surprised to hear that the insurance company authorized the usage of aftermarket (commonly referred to as Like-Kind-Quality or LKQ) parts on their vehicle. If your vehicle is new, it is unlikely this will occur, but if your car is more than a couple of years old, there will likely be many parts like bumper covers and fenders that are available for your vehicle that may be used when your vehicle is repaired. Most of the time, you will not have an option to choose, but if you see it on your estimate, you could likely opt to pay the difference yourself. Most insurance contracts say in the policy language they may use aftermarket parts.

Rental Coverage

When your vehicle is in the shop, you’ll likely be without it for at least a few days. If you need a rental car during this time, you’ll have to check your policy to see if you have one available. If you’re going through the at-fault party’s insurance company, they will provide you with a rental vehicle for basic transportation. If you have unique circumstances like an ADA vehicle or a truck or van that you have to use for work, be sure to let them know you have circumstances that require a similar temporary replacement.

Deductibles

If you are at fault for your accident, you’ll have to pay a collision deductible. The amount is unique to your insurance policy and typically is between $100 and $2500. If you’re not at fault and going through the at-fault party’s insurance company, there will be no deductible applied to your claim.

We hope you never have to experience an auto insurance claim but in the event you do, we’re here to help. If you’d like to discuss your auto insurance coverages prior to being in an accident, please schedule a time or call our office to review your existing coverage.