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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.
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.
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 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
Greatest Prescott Income Growth By Neighborhood (last 5 years)
Best Prescott School Neighborhoods
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.
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.
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.
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.
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.
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.
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.
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 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.
