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Protecting Your Manufactured Home In Prescott, 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 Prescott, AZ : Costs, Coverage, and Considerations

Welcome to Prescott, AZ – a place that will exceed your expectations no matter what you think you know about the area. Known for its authentic cowboy history, vibrant Whiskey Row, moderate climate, and convenient livability, Prescott is a treasure trove of hidden gems waiting to be discovered.

Located at an elevation of 5,200 feet, Prescott is surrounded by breathtaking natural beauty. Ponderosa pine forests, majestic granite boulders, sparkling lakes, and endless trails for hiking and mountain biking are just a stone's throw away. The climate in Prescott offers four distinct seasons, each with its own charm, and provides uncommon views of mountains, lakes, streams, and meadows teeming with wildlife. The verdant landscapes and outdoor recreational opportunities in Prescott are often overlooked by visitors, but once experienced, they leave a lasting impression.

But Prescott is not just about its natural wonders; it also boasts a thriving city life. Local microbreweries, distilleries, and restaurants serving both comforting classics and modern cuisine are popping up, adding even more flavor to the famous Whiskey Row scene. Don't worry, though, the spirit of legendary cowboy figures like Wyatt Earp and Doc Holliday still lives in the heart of the downtown saloons. Prescott offers a taste of the True West, the Wild West, that you won't find anywhere else. Experience the beauty and history of Prescott, one of Arizona's most captivating destinations. Nestled at an elevation of 5,200 feet among vast stands of ponderosa pine forests, Prescott enjoys perfect weather with an average temperature of 70 degrees. The area showcases breathtaking landscapes, including granite mountains, tranquil lakes, flowing streams, and rolling meadows teeming with wildlife.

In Prescott, you'll never run out of things to do. Whether you're seeking family-friendly attractions, a tour of wineries, some grown-up fun at a casino, or outdoor adventures like rock climbing, kayaking, hiking, or swimming, Prescott has it all. Immerse yourself in the local culture by exploring art galleries and museums, discovering historical sites, and enjoying the vibrant nightlife along Whiskey Row and beyond. And if you have some extra time, be sure to venture beyond Prescott to visit the nearby Verde Valley, Jerome, Cottonwood, Sedona, wine country, and even the Grand Canyon, all within a couple hours' drive from this beautiful city. So, come and experience the magic of Prescott, where natural beauty, rich history, and lively city life blend seamlessly together. Get ready to create memories that will last a lifetime in this remarkable destination.

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.
  • he 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 Prescott, 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 Prescott, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some legal considerations relevant to mobile homes, manufactured homes, pre-fab homes, and RVs in Prescott, AZ:

Weather Risks:

Flooding is a significant concern in Prescott, with the city experiencing numerous instances over the past seven decades.

  • Numerical Data:
    • 85 instances in the last 70 years.
    • This averages to roughly 1.2 flood events per year.
    • 4,064 properties face a >26% chance of severe impact in the next 30 years.
    • Major risk for 3,687 out of 20,112 homes, 2 out of 5 miles of roads, 486 out of 1,397 commercial prope

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.

  • Numerical Data:
    • Yavapai County classifies Prescott in the “highly likely” category for wildfires.
    • A 2019 study categorized Prescott in the “very high” risk category with a rating of 3.3 out of 5.
    • Prescott’s Evacuation Restraint Ratio: 2,574 households/evacuation route 
    • Approximately 55% of buildings in Prescott are at high risk of wildfires.
  • Hail: Prescott has recorded 151 instances of hail. While less frequent than flooding, hail poses risks to property, especially to vehicles and infrastructure.
  • Thunderstorm Winds: The city has documented 89 instances of strong thunderstorm winds. These winds can cause power outages, tree falls, and other related damages.
  • Earthquakes: Earthquakes in nearby regions can still affect the city, leading to infrastructure damage and posing safety concerns. Prescott has an earthquake index of 2.55, while Arizona is only at 0.13 and the overall score for the U.S. is 1.81. A higher index indicates a higher chance of an earthquake, so Prescott is well above average in the risk it faces with regard to earthquakes! 
  • Other Weather Risks:
    • Minimal risk from severe winds.
    • Moderate risk from heat.

Recommended Neighborhoods.

Greatest Prescott Income Growth By Neighborhood (last 5 years)

Best Prescott School Neighborhoods

Property Crime Rates:

Important Stats:

Annual Crime Statistics:

In summary, Prescott, AZ, faces significant risks from weather events, and has a crime rate higher than most of Arizona. Prospective residents and visitors should consider these factors and remain vigilant, especially with impending weather conditions.

Get Some Quotes

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.

Look Over the Details

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.

Check Customer Reviews

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.

Talk to an Insurance Agent

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.

Research Insurance Providers

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.

Consider the Coverage Options

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.

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.

Did You Know ?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises!

Arizona Mobile Home Facts

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!

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.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

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.

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:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) 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 A Manufactured Home or Community In Prescott, AZ

If you're in the market for a mobile or manufactured home in Prescott, it's important to have access to reliable and trustworthy information.

We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Prescott.

Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Prescott, AZ when it comes to manufactured homes and related services.

Canyon Retreat Mobile Home Park

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.

Manzanita Village

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.

SouthWest Homes

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.

Hassayampa Mobile Home Park

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

BEX Realty - Prescott Pines Mobile Home Resort

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.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.


Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance In Prescott

It's essential to compare quotes from various insurance providers and work with local agencies that understand Prescott'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!

These are some things you should look out for in an insurance plan for 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

Now that you've got the lowdown on mobile home insurance coverage in Prescott AZ, don't hesitate to get a CoverTree quote now.



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