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Protecting Your Manufactured Home In Prescott Valley, 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 Valley, AZ - one of Northern Arizona's fastest-growing communities, nestled between the Bradshaw and Mingus Mountains. Since 1996, the town's population has grown from 17,500 to over 42,000, and it is part of the quad-city region with an estimated population of 130,000. Despite the town's growth, local leaders remain committed to preserving its small-town, friendly approach to both people and business.

Prescott Valley's economy is diverse, with a strong mix of industry, manufacturing, retail, and service businesses. With a strategically planned downtown, regional shopping center, and crosstown highway, the area offers numerous new development opportunities. Infrastructure improvements, including the expansion of the sewer plant, road widening, and water system upgrades, have positioned the community to thrive in the 21st century. Recent major additions to the community include a $61 million regional medical center and a $15 million regional rehabilitation hospital.

Prescott Valley offers plenty of recreational opportunities, including the Massick Family's "Castle on the Creek," Fitzmaurice Indian Ruins, ten public parks, a community recreation center with a public swimming pool featuring a 100-foot slide, Olympic-style soccer and softball fields, and facilities for basketball, tennis, and picnics. The town also offers a 16-lane bowling alley and four nearby golf courses. Mountain Valley Park's amphitheater hosts concerts and entertainment during the summer, while Fain Park and Prescott National Forest offer hiking, biking, backpacking, fishing, and camping. Nearby Fain Lake, Lynx Lake, and Goldwater Lake are stocked with fish and boat rentals. The 6,000-seat Prescott Valley Events Center, which opened in 2006, hosts events such as high school state wrestling and basketball championships, professional rodeo bull riding, professional ice hockey, concerts by renowned artists like Willie Nelson, James Taylor, and Miranda Lambert, and is the home to the Northern Arizona Suns basketball team.

Prescott Valley also offers a wide range of community facilities, including a three-story library, ten public parks, a community recreation center, Olympic-style soccer and softball fields, an amphitheater, basketball courts, tennis courts, and picnic areas. Spend your days exploring the open spaces of this beautiful valley, surrounded by the Prescott National Forest, where you can see herds of pronghorn roaming the meadows or white-tailed deer and bald eagles. In Prescott Valley, you can experience the unspoiled beauty of nature in any season, whether playing golf in summer, hiking among wildflowers in spring, admiring the changing leaves of fall, or building a snowman in winter.

When you need a break from your outdoor adventures, the town offers various city conveniences, including a library and nearby access to Prescott, which is only a few minutes away. So, come and experience the unique charm and natural beauty of Prescott Valley, where small-town values meet breathtaking landscapes and new opportunities await at every turn. Whether you're looking to move to Prescott Valley or already call it home, the unique natural environment, vibrant communities, and modern amenities make it an ideal place to live, work and play. Prescott Valley, AZ is truly a community of people from all walks of life, who have come together to make something great.

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 Valley, 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 Valley, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Prescott Valley, AZ:

Prescott Valley, situated in Arizona, is grappling with the consequences of climate change, manifesting in multiple ways. From heat to drought, fire, and flood risks, the community faces a multitude of challenges ahead. Here, we delve into these pressing issues, emphasizing their magnitude and implications for the residents.

  • Wildfires, driven by climate conditions and vegetation proximity, pose a very high threat to Prescott Valley. Astonishingly, about 98% of buildings in the area are at significant risk. Every census tract in Prescott Valley has seen a minimum of a quarter of its buildings facing this danger, and for six of these tracts, the number soars to more than half. The projected increase in dangerous fire weather days through 2050 further exacerbates these risks. Property owners are urged to take mitigation steps and stay aware of their property’s proximity to vegetation and potential fire pathways.
  • Drought Risk:
    • The recent average water stress in Peoria is high and will increase through 2050.
    • The Aqua Fria watershed has had a significant percentage of weeks since 2000 experiencing drought conditions.
  • Heat Risk:
    • The number of days above 110.5ºF is projected to rise drastically by 2050.
    • Climate change is causing more frequent and intense heatwaves.
  • Flood Risk:
    • Buildings in Peoria have an average of 21.0% chance of a flood about 2.4 feet deep over 30 years.
    • A significant number of census tracts have buildings at risk from different types of flooding.
  • Precipitation Risk:
    • The amount of rainfall during extreme days is projected to remain roughly constant through 2050.
    • Climate change can cause extreme precipitation events, increasing potential risks.
  • Flood Risk: 13% of buildings in Prescott Valley face a high risk of flooding, with an average likelihood of experiencing a flood about 2.9 feet deep over a 30-year span. Climate change escalates both inland and coastal flood risks.
  • Precipitation Risk: While the annual amount of precipitation is expected to remain relatively stable, extreme precipitation events may see slight changes, thereby influencing storm risks.
  • Tornado Events: Historically, there have been instances of tornadoes in or near Prescott Valley, with some causing significant property damage. Although the risk of tornado damage remains about the same as the Arizona average, it’s essential to stay prepared and informed.

Recommended Neighborhoods:

By Income Growth (Last 5 years):

Best Prescott Valley School Neighborhoods:

Property Crime Rates:

Prescott Valley is safer than 45% of U.S. neighborhoods.

Total Crimes:

Property Crime Breakdown (per 1,000 residents):

Prescott Valley's property crime rates are lower than the U.S. average, particularly for burglary and motor vehicle theft. Overall, Prescott Valley's crime rate is on par with the national average. With a rate of 11 crimes per 1,000 residents, one's chance of becoming a victim in Prescott Valley is 1 in 90.

While Prescott Valley's crime rate is lower than about 54% of other Arizona communities, it is safer than most cities of similar size across the U.S.

While considering a move to Prescott Valley, keeping in mind the nuances of crime rates is crucial. While the town has a relatively high violent crime rate for its population size, its property crime rates are average. It would be wise to consider neighborhoods with both excellent schools and significant income growth for the most holistic living experience.

Evaluate Replacement Cost Coverage

Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.

Consider Additional Coverage

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Review and Compare Quotes

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

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 Valley, AZ

If you're in the market for a mobile or manufactured home in Prescott Valley, 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 Valley.

Best Buy Homes, Inc.

Location: Prescott Valley, AZ

Homes Offered: Manufactured homes by Cavco Durango and Cavco West

Services: Assistance in selecting floor plans, interior decor, front doors, kitchen backsplashes, and kitchen cabinets.

Southwest Homes

Location: Prescott, AZ

Homes Offered: Manufactured homes by Cavco Durango

Services: Offers a range of manufactured home styles and assists with the home buying process.

Clayton Homes-Buckeye

Services: Offers mobile and modular home options, consultation on various home features such as kitchens, entertainment centers, and spa bathrooms.

Home Tech Foundation Systems, Inc.

Foundation Retrofitting
FHA Compliance
HUD Compliance

Features: Licensed & Bonded, specializes in the foundation needs of the manufactured home industry.

Orchard Ranch

Features: Year-round resort environment, variety of on-site activities including tennis, putt-putt, swimming, and local hiking. Offers 300 days of sun per year.

Shadow Mountain

Location: 7901 Arizona 69, Prescott Valley, AZ 86314

Features: Large housing lots, pool, barbecue area, clubhouse, crafts room, gym, library, pet park, picnic area, and proximity to local shopping and dining. 55+ Community

Services: Information on manufactured homes in Prescott Valley, Arizona, emphasizing energy efficiency. Also, discusses the benefits of modular home construction in the area.

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 Valley

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

Prescott Valley is also located in an area prone to flash floods. Therefore, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting coverage for flood damage, which can help pay for repairs or replacement of the structure, personal property, and any costs associated with flood cleanup.

Hailstorms can cause significant damage to mobile/manufactured/prefabricated/RV homes, including the roof and windows. Hail damage coverage can help pay for repairs or replacement if the property is damaged during a hailstorm.

This type of coverage provides additional protection in the event that construction costs have increased beyond the policy limit. This coverage can also help ensure that mobile/manufactured/prefabricated/RV homeowners or park owners have enough coverage to replace their property if needed.

With the rise of identity theft and cyber crimes, mobile/manufactured/prefabricated/RV homeowners or park owners should consider getting identity theft coverage that could help with the recovery process if their personal information is compromised. 

This coverage is designed for RV owners, and it can help pay for repairs or replacement of an RV if it is damaged or destroyed while on a trip away from the permanent site.

Mobile home and RV owners should consider coverage for equipment and accessories such as awnings, satellite dishes, or generators. This coverage protects against damage or theft of these items.

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 Valley, 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 Valley AZ, don't hesitate to get a CoverTree quote now.



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