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 Payson, Arizona – a charming town nestled in the majestic Mogollon Rim region. Payson offers breathtaking natural beauty, abundant outdoor recreational opportunities, and a close-knit community.
One of the highlights of Payson is its stunning natural surroundings. The town is set against the backdrop of the Mogollon Rim, a dramatic escarpment that marks the southern edge of the Colorado Plateau. The area is known for its lush forests, crystalline lakes, and scenic hiking trails. Payson is surrounded by national forests, including the Tonto National Forest, which provides countless opportunities for outdoor activities such as hiking, camping, fishing, and wildlife viewing.
Payson is also home to several picturesque lakes and rivers. The nearby Roosevelt Lake and Green Valley Lake are popular destinations for boating, kayaking, and fishing. The East Verde River offers opportunities for swimming, picnicking, and enjoying the peaceful sounds of rushing water.
The town of Payson itself offers a charming downtown area with unique shops, local boutiques, and galleries. Visitors can explore the local art scene, discover handmade crafts, and sample delicious cuisine at the town’s many restaurants and cafes. Payson also hosts various community events throughout the year, including the annual Northern Gila County Fair and the Payson Rodeo, which highlight the area’s agricultural heritage and Western traditions.
Payson is known for its strong sense of community and small-town charm. The residents take pride in their town and actively participate in community events and organizations. The Payson Event Center hosts a range of activities, from equestrian events and livestock shows to concerts and festivals. The town also has a local historical society and museum that celebrate the region’s past.
Education is important in Payson, and the town is served by the Payson Unified School District. The district provides quality education from preschool to high school, emphasizing academic achievement and extracurricular involvement. Additionally, Payson is home to Gila Community College, which offers a variety of programs and courses for higher education and career advancement.
Healthcare services are readily available in Payson. The town has a hospital and various medical clinics to ensure residents have easy access to quality healthcare.
Overall, Payson offers a serene and picturesque setting, an abundance of outdoor recreational activities, a close-knit community, and a range of cultural experiences. Whether you’re exploring the natural wonders of the Mogollon Rim, participating in community events, or enjoying the local shops and dining establishments, Payson provides a welcoming and enriching environment for residents and visitors alike.
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 Payson, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
Definition: An uncontrolled fire that spreads rapidly through vegetation and may extend to structures, often exacerbated by dry conditions, winds, and human activity.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
Definition: The overflowing of water onto land that is usually dry, often caused by heavy rainfall, snowmelt, or a combination of these.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
Definition: Unusually hot weather conditions that persist for extended periods, often coupled with high humidity levels.
Problem Caused:
Implication for Mobile/Manufactured Home and RV Owners:
Payson offers a mix of historical, cultural, and outdoor attractions, making it a diverse destination for visitors.
The crime rate in Payson, AZ, is notably high, both in the context of the state of Arizona and compared to similar-sized towns and cities in the United States. Both violent and property crimes are contributing factors to the high overall crime rate. This suggests that residents and authorities should be very concerned about safety in the community. Given these statistics, it may be necessary for local law enforcement agencies to reassess their current strategies and perhaps adopt new measures for combating crime. Community engagement initiatives, increased police patrols, and preventive education may be some of the avenues worth exploring to address the issue. Furthermore, residents might consider taking personal safety precautions and participating in community safety programs to contribute to a safer environment.
If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.
Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.
Besides the main policy limit, bResearch 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.e aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.
Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.
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.
Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.
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 Payson’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!
Payson, AZ, like any other area, is not immune to property crimes such as burglary and theft. Adding this endorsement provides additional coverage specifically for these risks, protecting against losses resulting from break-ins and thefts that may occur in the area.
Vandalism can occur anywhere, including Payson. Adding this endorsement can help cover damages caused by acts of vandalism to the property, such as graffiti or deliberate destructions.
Payson, AZ, is located in a wildfire-prone area, surrounded by forests. Adding a wildfire endorsement can provide coverage for damages caused by wildfires, including damage to the home, outbuildings, and personal property. This is important to protect against the significant risks associated with wildfires in the region.
Payson also experiences hailstorms from time to time, which can cause damage to roofs, windows, and other vulnerable areas of mobile, manufactured homes, and RVs. Adding a hailstorm endorsement provides coverage for repairs or replacements needed as a result of hail damage.
While Payson is not as flood-prone as certain other regions, it is still important to consider flood insurance. Flash floods can occur during heavy rainstorms or due to snowmelt, presenting a risk to properties. Having flood insurance in place helps protect against damage caused by flooding.
Skirting helps protect mobile and manufactured homes located in Payson from weather elements and potential pests. Adding a skirting endorsement will provide coverage for repairs or replacements needed due to damage caused by weather events, accidents, or vandalism.
