Protecting Your Manufactured Home In Camp Verde, AZ.

Covertree’s Comprehensive Guide!

Powered by

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.

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

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:

Home Value

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

Age and Condition

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

Location

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.

Home Features

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.

Safety Features

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.

Coverage Amount

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

Deductible

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.

Claims History

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.

Personal Factors

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.

Policy Add-ons

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.

Community/Neighborhood Features

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.

Length of Occupancy

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.

Rental or Owner-Occupied

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.

Type of Construction

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

Insurance Score

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

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

Flooding:

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.

Wildfires:

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.

Monsoon Dangers:

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

Not just a zoo; it’s an immersive wildlife experience.
Offers safaris, tours, walks, and shows with wild-by-nature animals.

Predator Zipline

Thrilling zipline adventure over Out of Africa Wildlife Park.

Wine Tasting in Camp Verde

Verde Valley is a renowned wine region in Arizona.
Three family-owned vineyards: Alcantara Vineyards and Winery, Clear Creek Vineyard, and Salt Mine Wine.

Cliff Castle Casino

Multiple dining options, including Johnny Rockets and Mountain Springs buffet.
A new 122-room hotel with luxurious amenities such as an indoor pool and workout room.
Recognized as Arizona’s best casino for 19 consecutive years.

Montezuma Castle and Montezuma's Well

Montezuma Castle: Well-preserved cliff-dwellings located off I-17.
Montezuma Well: A natural limestone sinkhole situated 11 miles northeast of the castle, showcasing the history and life of the Verde Valley.

Antique Hunting in Camp Verde

A paradise for antique enthusiasts.
Offers repurposed items, handmade creations, and vintage treasures.
Almost a dozen antique, resale, thrift, and gift shops that are locally owned.

Property Crime Rates in Camp Verde, AZ

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

Overall Crime:

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.

Comparison within Arizona:

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.

Comparison with Similar-sized Communities:

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.

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.

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 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.

Title Issuance for Mobile Homes by MVD

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.

Applying for a Mobile Home Title

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

Affidavit of Affixture

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).

Buying a Used Mobile Home

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 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

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.

Common Policy Riders for Mobile Home Insurance in Arizona

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 in Arizona Homeowners Insurance

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.

Coverage Exclusions in a Mobile Home Policy in Arizona

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 Camp Verde AZ

If you're in the market for a mobile or manufactured home in Camp Verde, it's important to have access to reliable and trustworthy information. Camp Verde, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Camp Verde has something for everyone.

Verde Ranch Estates (ALL AGES COMMUNITY)

Address: 10 S Monarch Lane, Camp Verde, AZ 86322
Description: Verde Ranch Estates is an all-ages community located in the heart of Camp Verde, Arizona. It offers a convenient location with easy access to Phoenix, Cottonwood, Sedona, and Flagstaff. The community features a variety of amenities, including a gated entrance, a clubhouse, a swimming pool, a playground, and more. There are two homes for sale in this community.

The Villages at Camp Verde (ALL AGES COMMUNITY)

Address: 723 Finney Flat Road, Camp Verde, AZ 86322
Description: The Villages at Camp Verde is an all-ages community with 159 sites. While specific amenities are not detailed in the listing, it offers off-street parking and an average-width street. There are no age restrictions in this community, and pets are allowed with breed and size restrictions.

The Willows at Camp Verde (AGE-RESTRICTED 55+ COMMUNITY)

Address: 1487 West Horseshoe Bend, Camp Verde, AZ 86322
Description: The Willows at Camp Verde is an age-restricted (55+) community with 97 sites. It allows up to two pets per home with a maximum weight of 35 lbs each. Amenities in the community include a spa, horseshoes, a tennis court, a shuffleboard court, and boat/RV storage. It has an on-site sales office, and Barbara Wall is the contact name for this community.

These communities offer a range of options for individuals and families looking for manufactured homes in Camp Verde, Arizona. Please contact the respective communities for more information about available homes, pricing, and amenities.

Camp Verde's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

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!

Monsoon Storm Protection:

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.

Wildfire Evacuation and Accommodation Coverage:

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.

Mobile Home Retrofitted Roof Protection:

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

Mobile Home Firebreak Creation Coverage:

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

RV Off-Road Adventure Coverage:

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.

RV Emergency Water and Fuel Delivery:

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.

What Additional Services can you get covered?

 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