Disclaimer: Data Accuracy and Sources
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.
Welcome to Benson, Arizona – a timeless city where the whispers of history echo through desert canyons!
Resting comfortably between the rolling hills and sweeping plateaus of southeastern Arizona, Benson emerges as a delightful interplay of historical allure and natural grandeur. Located along the banks of the San Pedro River, this city is a tapestry woven with tales of early railroads, pioneering spirits, and ancient civilizations set against the breathtaking canvas of the desert landscape.
Benson’s origins trace back to the era of the Southern Pacific Railroad. Once a crucial rail hub that connected the vast expanses of the Southwest, the town bloomed around the tracks, becoming a vital link in the region’s growth and commerce. That rich history is still palpable today, with railway enthusiasts and history buffs often retracing the age-old trails and stories encapsulated in local museums and heritage sites.
Nature, in its raw and unyielding form, is undoubtedly one of Benson’s most captivating charms. The nearby Kartchner Caverns State Park is a marvel to behold. Hidden beneath the earth’s surface, these limestone caverns unfold as a subterranean wonderland, adorned with dramatic stalactites, stalagmites, and other intricate formations. Above ground, the Cochise Stronghold in the Dragoon Mountains stands as a silent sentinel, bearing tales of the Apache chief Cochise and his band, who once sought refuge in these rugged terrains.
Benson’s intimate relationship with the San Pedro River has cultivated a thriving ecosystem. The San Pedro Riparian National Conservation Area, with its lush gallery forests and meandering streams, offers a startling contrast to the arid desert, attracting a plethora of bird species and establishing the region as a birder’s paradise.
Culinary explorations in Benson are an ode to its multicultural legacy. From sizzling Southwestern flavors to classic American diners, the city’s eateries are a delightful blend of traditional tastes and innovative fusions.
Community-driven events and festivals in Benson are a reflection of its close-knit spirit. The annual Butterfield Overland Stage Days, for instance, not only commemorates the historic mail route but also celebrates the enduring spirit of the pioneers who helped shape the American Southwest.
For the curious traveler, Benson offers layers of intrigue. One could delve into the mysteries of the ancient Native American rock art found in the region or explore the tales of ghost towns and mining camps that dot the surrounding landscapes. In essence, Benson, Arizona, is where the sands of time have preserved tales of bygone eras, where every rock and ravine has a story to tell, and where the whispers of history and the songs of nature create a symphony that resonates deep within the soul. Whether you seek adventure, serenity, or a journey back in time, Benson welcomes you with open arms and endless horizons.
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.
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 Benson, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
Here's a detailed analysis of the crime situation in Benson, Arizona:
The data paints a clear picture: Benson, AZ has challenges to address in terms of both violent and property crimes. The elevated levels, especially when measured against similarly sized communities, are a cause for concern. It’s essential for local stakeholders, including law enforcement and community leaders, to collaboratively devise strategies to mitigate these issues and foster a safer environment for all residents. Moreover, residents and those considering visiting or relocating to Benson should be informed and vigilant, taking adequate precautions to safeguard themselves and their property.
If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.
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.
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.
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!
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.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
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.
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.
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 Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see https://www.dfbls.az.gov/lta/relocation.aspx). If you are a mobile home park tenant, you may have access to money from the Mobile
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.
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:
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.
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.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Benson’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!
