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 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.
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 Valley, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!
By Income Growth (Last 5 years):
Best Prescott Valley School Neighborhoods:
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.
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.
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!
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.
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.
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 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.
