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Protect Your Manufactured Home in Camp Verde, AZ

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Camp Verde, AZ: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Camp Verde, AZ: Costs, Coverage, and Considerations

Welcome to Camp Verde, Arizona- the historic heart of the Verde Valley!

In the midst of Arizona’s diverse landscapes, where the grasslands intertwine with riparian zones and desert expanses, lies Camp Verde — a town steeped in history, natural beauty, and the indomitable spirit of the American Southwest. As the geographical center of Arizona, Camp Verde offers both the stories of ancient civilizations and the promise of modern adventures.

The tapestry of Camp Verde’s history is both colorful and deeply ingrained in the soil upon which it stands. Long before the establishment of the town, the Sinagua people laid claim to these lands, leaving behind traces of their existence in the form of petroglyphs and the renowned Montezuma Castle National Monument. This ancient five-story, 20-room dwelling, nestled high into a limestone cliff, stands as a testament to the architectural prowess and resilience of the Sinagua.

Later in its timeline, Camp Verde played a pivotal role as a military outpost during the Apache Wars, leading to its name derived from the Spanish word for “green,” a nod to the lushness of the area, especially along the banks of the Verde River. Today, Fort Verde State Historic Park serves as a window to the past, preserving the original fort’s structures and offering insights into frontier military life during the 1880s.

The Verde River, vital to both ancient inhabitants and modern residents, carves its path through the town, offering a plethora of recreational opportunities. Kayakers, anglers, and birdwatchers find solace and excitement along its banks and waters, which are home to a myriad of species. The river also plays host to the annual Camp Verde Pecan & Wine Festival, a delightful fusion of local agricultural and viticultural products.

The Out of Africa Wildlife Park stands as another prime attraction, offering a unique blend of entertainment, education, and interaction. Visitors are treated to a safari experience in the heart of Arizona, with the chance to witness and learn about a diverse range of animals from around the globe.

Camp Verde’s geographical location, at the junction of highways, has made it an essential crossroad for commerce and tourism. This has fostered a growing gastronomic scene, with eateries that pay homage to traditional Southwestern flavors, while also embracing a global culinary palette.

Adding to the list of curiosities is the legend of the Mogollon Monster, Arizona’s very own Bigfoot, said to roam the woods and canyons of the Verde Valley. Whether one believes in such folklore or not, the stories add another layer to the richness of Camp Verde’s cultural tapestry.

In summation, Camp Verde is where stories of yesteryears merge with contemporary pursuits, where every rock and river bend has a tale to tell, and where the spirit of the Southwest is both preserved and celebrated. For the history enthusiast, nature lover, or anyone simply seeking a genuine Arizona experience, Camp Verde promises a journey like no other.

Understanding Mobile Home Insurance in Arizona

Understanding Mobile Home Insurance in Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here’s a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

The more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Camp Verde, AZ

Choosing the Right Mobile Home Insurance for Camp Verde, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Camp Verde, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Camp Verde, AZ

  • Risk: Camp Verde has a major risk of flooding, especially during the Monsoon season.
    • Mobile/Manufactured Home Implications: These homes are typically more vulnerable to water damage due to their structure and elevation. Flash floods can displace these homes or cause foundational issues.
    • RV Owners Implications: Floodwaters can quickly trap or sweep away RVs, especially those parked in low-lying areas.

  • Risk: There’s a moderate risk of wildfires in Camp Verde, often instigated by lightning strikes during the Monsoon.
    • Mobile/Manufactured Home Implications: Manufactured homes may not have the same fire-resistant qualities as traditional homes, making them more susceptible to fire damage.
    • RV Owners Implications: Due to their mobility, RVs can evacuate wildfire-prone areas, but they must be aware of nearby fires and act promptly.

  • Risk: The Monsoon, running from June 15th through September 30th, brings with it a multitude of risks including lightning strikes, dust storms, and sudden violent thunderstorms.
    • Mobile/Manufactured Home Implications: High winds can damage or overturn these structures. Lightning can pose an electrical hazard.
    • RV Owners Implications: Being on the road during a dust storm or thunderstorm is hazardous. Lightning strikes pose a risk when camping in open areas.

Recommended Attractions in/around Camp Verde, AZ

  • Out of Africa Wildlife Park
  • Predator Zipline
  • Wine Tasting in Camp Verde
  • Cliff Castle Casino
  • Montezuma Castle and Montezuma's Well
  • Antique Hunting in Camp Verde

Property Crime Rates in Camp Verde, AZ

Here's a summarized analysis of the crime situation in Camp Verde, Arizona

Property Crime Rates in Camp Verde, AZ

  • Camp Verde’s crime rate of 16 crimes per 1,000 residents is considerably higher than the national average. However, it’s not among the highest in the nation. Residents of Camp Verde have a 1 in 63 chance of becoming victims of either violent or property crime.

  • When looking at the broader context within Arizona, Camp Verde’s crime rate is higher than 63% of the state’s cities and towns of all sizes, marking it as more crime-prone than a majority of places in the state.

  • When Camp Verde is compared to communities of a similar population size across the nation, its crime rate sits near the average. Thus, for its size, Camp Verde’s crime rate is neither particularly high nor low – it’s somewhat typical.

Violent Crime Insights:

Property Crime Insights:

Camp Verde, AZ, faces challenges with both violent and property crimes. While its overall crime rate is around the average for communities of its size, when we look at the broader national and state contexts, the picture becomes more complex. The town’s violent crime rate, in particular, is a concern, as it’s higher than most communities in the U.S. The local authorities in Camp Verde may need to develop strategies to address these issues and work toward creating a safer environment for its residents. As for residents and visitors, staying informed and practicing vigilance can help in ensuring personal safety.

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Are you in Camp Verde, AZ, looking for mobile home insurance

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Policy Limits

Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.

Premium Costs

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

Discounts and Bundling Options

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

Claim Process and Customer Service

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Seek Professional Advice

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

Keep This In Mind:

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Arizona Mobile Home Facts

Arizona Mobile Home Facts

Mobile Homes in AZ

Mobile homes account for roughly 15 percent of Arizona’s total housing units – which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

What is the MVD?

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:​

  • closure of the park
  • redevelopment of the park
  • a qualifying rent increase
  • a change in community age restriction; or
  • rehabilitation of a pre-HUD home (built before June 15, 1976)

Coastal Property:
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know your rights!

Even though it’s not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include:

  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.

  • Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is    important for mobile homeowners to understand the coverage limitations in case of earthquake damage.

  • BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding the Best Mobile Home Insurance In Camp Verde

Finding the Best Mobile Home Insurance In Camp Verde

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Camp Verde’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

  • Reasoning: Camp Verde experiences monsoon storms. This endorsement provides additional protection for damages to your mobile home or RV caused by heavy rains, strong winds, and flooding during monsoon season.

  • Reasoning: Camp Verde is in a region prone to wildfires. This coverage offers financial assistance for evacuation and temporary accommodation expenses in case of a mandatory wildfire evacuation.

  • Reasoning: To protect against hail and heavy rain, this endorsement offers coverage for retrofitting your mobile home’s roof with weather-resistant materials.

  • Reasoning: In wildfire-prone areas, creating firebreaks can be crucial. This endorsement covers the cost of creating and maintaining firebreaks around your mobile home.

  • Reasoning: If you take your RV off-road for adventures in Camp Verde’s rugged terrain, this coverage offers protection for damages and accidents that might occur during off-road excursions.

  • Reasoning: In remote areas, access to essential supplies can be limited. This endorsement provides coverage for emergency water and fuel delivery if you run out of these necessities during your RV trip.

  • Additional Living Expenses
  • Trees, Shrubs, Plants and Lawns
  • Debris Removal
  • Emergency Removal Service and Emergency Repair After a Loss
  • Credit Card and Check Forgery
  • Fire Department Service
  • Food Spoilage Coverage
  • Personal Injury Protection Coverage
  • Locksmith Coverage
  • Golf Cart Coverage



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