Jodi MorrisAZ License 1461741First licensed in Arizona in 2001Property, Casualty and LifeServing Phoenix and the East Valley
I'm Jodi Morris, first licensed as an Arizona insurance agent in 2001. Nearly half the homes in Apache Junction are mobile or manufactured homes, and the washes off the Superstitions can run hard in a monsoon. Tell me what you're insuring and I'll walk you through what to check.
The Superstition Mountains at sunset, just east of Apache Junction. Photo: Apache Junction, Arizona (13970198077).jpg by rob Stoeltje from loenen, netherlands, CC BY 2.0, cropped.
If you're comparing insurance agents in Apache Junction, AZ, start with the housing. According to the Census Bureau, 45.8% of homes in the city are mobile homes, and that changes which policy fits. Flash floods off the Superstition and Goldfield mountains and a population that skews older round out the picture.
Per the Census Bureau, 10,060 of Apache Junction's housing units, or 45.8%, are mobile homes, against 39.8% that are single-family detached houses. A manufactured home is usually insured on its own kind of policy, and a home in a park and one on its own lot raise different questions about the land, the carport and the shed.
According to NOAA's Storm Events Database, monsoon wind peeled back most of a mobile home's roof at the Lost Dutchman RV Resort in August 2023, tore a sheet metal carport off a home near Ironwood Drive and Superstition Boulevard in September 2022, and a dust devil damaged carports at a mobile home park in July 2023. Carports and sheds are often covered with their own limits, or not at all, so look at how yours are listed.
Source: NOAA Storm Events Database
On July 28, 2022, between 1 and 3 inches of rain fell in an hour or two over Apache Junction and the mountains north and east of it, according to NOAA's Storm Events Database, which put the property damage at an estimated $1.0 million. According to OpenFEMA data, 138 flood insurance policies are in force in Apache Junction, 110 of them in mapped high-risk zones, and 22 paid flood claims in the city total $1,157,443. Flood takes its own policy, so check your address on FEMA's flood map.
Sources: NOAA Storm Events Database, OpenFEMA flood policies, OpenFEMA flood claims, FEMA flood map
The City of Apache Junction requires a business license before a business can lawfully operate in the city, at a fee of $50, and the city's zoning staff must confirm the business sits in an approved zone before the license is issued. Per the Census Bureau, 13% of Apache Junction workers are self-employed. The license is permission to operate, not protection: liability and business property coverage are separate.
Sources: City of Apache Junction business license, City of Apache Junction zoning clearance, Census Bureau, class of worker
Manufactured homes, carports and sheds in monsoon wind, and flood that a home policy leaves out. Home and auto coverage, explained
An older population, where life insurance questions tend to be about what you leave behind. Life insurance in plain words
A city license and a zoning check before you open, and the coverage that license doesn't give you. How business insurance works
A manufactured home, a carport or a small business in Apache Junction? Ask me where to start.
Sources: FBI Crime Data Explorer, Apache Junction vehicle theft, FBI Crime Data Explorer, Apache Junction burglary, Census Bureau, home value, Census Bureau, year built
Usually, yes. Manufactured and mobile homes are typically insured on policies written for them, and whether you own the land or rent a space in a park changes what the policy needs to cover.
Yes. According to the City of Apache Junction, you need a business license before you do business in the city, and zoning staff confirm your location is properly zoned before it's issued.
No. Flood is excluded from standard homeowners and manufactured home policies, so it takes a separate flood policy, and a new flood policy usually has a waiting period before it starts.
A manufactured home, a house, a car or a small business: start with whatever is on your mind and I'll help with the next step. Or just call me.
Arizona Insurance Producer License No. 1461741 (NPN 1461741)
