Covertree’s Comprehensive Guide!
The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
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.
Flooding is a significant concern in Prescott, with the city experiencing numerous instances over the past seven decades.
Wildfires, while not exclusive to Prescott, are a substantial risk given Arizona’s recent trends of increasing heat and frequency & intensity of fire events. Due to the city’s proximity to woodland areas, it is vulnerable to the effects of wildfires, even if not directly in the path. The smoke and particulate matter from these fires can impact Prescott’s air quality, posing health risks to its residents.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.
Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.
Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.
Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.
Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.
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.
The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.
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:
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.
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.
Location: 2375 Valentine Drive, Prescott, AZ 86301
Age Group: All ages
Land-lease community.
Lot rent: $450 - $750/month (includes trash pickup, water, and sewer).
Features paved streets, off-street parking, city-sourced water and sewer.
No available RV parking spaces.
Offers affordable, family-friendly living with proximity to local amenities.
Location: Hillside, Prescott, AZ (Overlooking city center)
Vision: Thriving inter-generational cohousing promoting creativity, collaboration, and global awareness.
Mission: Includes shared governance, community work, resource stewardship, respect for diversity, neighborly support, and active community engagement.
A 36-home cohousing community.
Features spectacular mountain views, nearby recreational activities, and cultural attractions.
Ideal for families, retirees, and those in-between.
Close to Sedona, Flagstaff, Phoenix, and the Grand Canyon.
Features:
Affordable ($150k less than site-built homes).
Fast move-in (6 months or faster).
100% satisfaction guaranteed.
Description:
Provides modern, energy-efficient pre-fab homes.
Challenges the stigma around manufactured homes.
Dedicated team focused on simplifying the home buying experience.
Location: 700 White Spar Rd, Prescott, AZ 86303
Age Group: 55+
Features:
Pet-friendly (with community approval).
Paved streets, off-street parking.
Vacant Sites: 5+; Total Sites: 53.
Laundry facilities
A collection of homes varying in size and price.
Home size ranges: ~700 to 2,000 sq ft.
Price range: $45,000 to $179,000.
All listings available via BEX Realty and other participating brokers.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance In Prescott
For mobile and manufactured homeowners with decks, patios, retaining walls, and sheds, outdoor property coverage helps protect these structures from damage or destruction due to weather-related incidents.
If you work from home, this coverage can protect your home and business assets against damages and liabilities.
Helps cover the additional costs of rebuilding your home to meet updated local building codes after it has been damaged.
Provides coverage for eco-friendly upgrades to your home, such as solar panels, eco-friendly heating and cooling systems, and more.
Extends liability coverage when you are using your RV as a vacation residence, offering protection against injuries that occur at your campsite.
Due to the desert climate and risk of wildfires, windstorm insurance may be important to protect against damages caused by these unexpected fire-related weather events!
It’s important to discuss these specific coverage needs with your insurance provider, as they will have a better understanding of the risks associated with Prescott, AZ, and can tailor a policy that meets your unique requirements.
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
References:
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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