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 Scottsdale, AZ – Scottsdale, AZ is a vibrant city that offers a variety of attractions and activities for visitors. From the stunning beauty of the Sonoran Desert to luxury resorts, chef-driven restaurants, and exciting outdoor pursuits, Scottsdale has something for everyone.
The city is known for its real estate market, which offers a wide range of options from condos to multi-million dollar estates. The average asking price for single-family homes in July 2023 was $2,242,755, and the average sales price was $1,346,060. There were 313 single-family home sales during that month.
Old Town Scottsdale, also known as Downtown Scottsdale, is the original downtown area that has maintained its small storefronts and narrow streets. It is a hub for art galleries, boutiques, and top-notch restaurants. The area is also home to cultural attractions such as the Scottsdale Museum of the West, the Scottsdale Museum of Contemporary Art, and the Scottsdale Civic Center Mall.
Just across the canal from Old Town is the Scottsdale Fashion Square Mall and the Scottsdale Waterfront neighborhood. This area has seen significant development in recent years, with luxury condo developments like Optima Camelview and the Scottsdale Waterfront Residences. The dining scene in Old Town is diverse and offers options for all tastes and budgets.
Moving north, you’ll find the Central Scottsdale area, which features established communities like Gainey Ranch and McCormick Ranch. The Enclave at the Borgata is a popular luxury condo community in this area. To the east is the Scottsdale Ranch community, which offers a mix of single-family homes, condos, and townhomes overlooking and with access to Lake Serena. The Kierland neighborhood is another desirable area in Central Scottsdale, with luxury condo developments like Optima Kierland and easy access to shopping areas like Kierland Commons and Scottsdale Quarter.
North Scottsdale has seen significant development in recent years, with new housing communities, golf courses, and shopping and dining locales. This area is known for its luxury private golf communities such as Desert Mountain, Estancia, DC Ranch, Silverleaf, The Boulders, and Mirabel. North Scottsdale offers a mix of single-family homes and smaller communities, and the area provides a great mix of the desert landscape with ample shopping, dining, and entertainment options.
Scottsdale is also known for its dining scene, with a wide range of culinary choices in strip malls and shopping centers. The city is a major golf destination, with over 30 public golf courses. Scottsdale is also home to spring training camps for many professional baseball teams and hosts major events like the Waste Management Phoenix Open Golf Tournament and the Barrett-Jackson car auction. Nearby Phoenix is home to professional sports teams like the Arizona Suns, the Phoenix Cardinals, the Arizona Diamondbacks, and the Arizona Coyotes.
If you visit Scottsdale in the summertime, there are plenty of cool attractions and activities to enjoy. Some highlights include the OdySea Aquarium, Western Spirit: Scottsdale’s Museum of the West, Butterfly Wonderland, Frank Lloyd Wright’s Taliesin West, and the Scottsdale Museum of Contemporary Art. Other fun activities include kart racing at Octane Raceway, exploring the Musical Instrument Museum, wine tasting at tasting rooms in Old Town, shopping at Scottsdale Fashion Square, and enjoying dive-in movies at resorts like The Fairmont Scottsdale Princess and The Phoenician.
No matter what you’re interested in, Scottsdale has plenty to offer for a memorable vacation experience.
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 Scottsdale, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you! Here are some laws, rules, and ordinances related to mobile homes, manufactured homes, prefabricated homes, and RVs in Scottsdale, AZ
Greatest Scottsdale Income Growth By Neighborhood (last 5 years):
Best Scottsdale School Neighborhoods:
Overall Safety: Safer than 14% of U.S. neighborhoods
Total Crime Index: 14 (100 is safest)
Violent Crime:
Property Crime:
Scottsdale’s crime rate is above the national average but comparable to other cities of its size. The chance of becoming a victim of either violent or property crime is 1 in 38. Violent crimes occur at a rate higher than most American communities, while property crime is also prevalent.
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.
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.
Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.
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.
The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.
Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.
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 Scottsdale’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 Scottsdale:
This coverage provides assistance if your RV breaks
down while traveling, including towing, fuel delivery, flat tire service, and more. It can
provide peace of mind during road trips.
Due to the desert climate and occasional high winds, windstorm insurance may be important to protect against damages caused by strong winds and wind-driven debris. This coverage can help pay for repairs or replacement of the structure and personal property if they are damaged due to high winds.
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. Extended replacement cost coverage can 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.
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 Scottsdale, AZ, and can tailor a policy that meets your unique requirements.
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.
