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 Clovis, New Mexico- where the spirit of the High Plains merges with rich cultural heritage and a close-knit community ethos. Situated near the Texas-New Mexico border, Clovis, New Mexico, offers a unique blend of small-town warmth, historic intrigue, and a vibrant community spirit, all set against the backdrop of the expansive Southwestern landscape.
As you explore Clovis, you’ll discover a city with deep historical roots, particularly notable for its significant role in early 20th-century railroading and as a key player in the World War II military effort. The Clovis Depot Model Train Museum and the Norman and Vi Petty Rock & Roll Museum showcase these important chapters of the city’s past, offering a glimpse into its diverse and dynamic history.
Clovis is also celebrated for its rich musical legacy, particularly its contribution to the early days of rock and roll. This musical heritage is still alive in the city’s lively music scene, where local venues host performances ranging from country to contemporary, echoing the melodies that once resonated through the studios of the legendary Norman Petty.
The natural beauty of the High Plains is a defining characteristic of Clovis. The nearby Ned Houk Park provides an oasis of outdoor recreation amidst the vast, open landscape. Here, residents and visitors can engage in activities like fishing, hiking, and bird watching, enjoying the serene beauty and wide-open spaces that define the region.
Community life in Clovis is marked by a series of events and festivals that bring the city together. From the annual Clovis Music Festival to the Curry County Fair, these gatherings are celebrations of the city’s spirit, offering a chance for connection, fun, and a shared appreciation for the arts, culture, and history.
The culinary experience in Clovis mirrors the city’s blend of cultural influences. Local eateries offer a mix of Southwestern cuisine, traditional American fare, and international dishes, each adding its flavor to the city’s diverse dining landscape. Here, every meal is an opportunity to gather and share in the joy of good food and good company.
Education and community welfare are central to the ethos of Clovis. The city’s schools and institutions, including Clovis Community College, are dedicated to nurturing and empowering the next generation, fostering a sense of pride and potential in the city’s youth.
In Clovis, every street corner, every historic building, and every local gathering tells the story of a community that values its heritage while looking forward to a future of growth and opportunity. Welcome to Clovis, New Mexico, where the past is cherished, the present celebrated, and the future embraced with open arms and hopeful hearts. Here, in this High Plains haven, experience the harmony of history, community, and the enduring charm of the Southwest.
Mobile and manufactured homes in New Mexico are popular, affordable housing choices that, like traditional homes, need insurance for protection. Coverage typically includes damages to the home, personal property, and liability in case of injuries on the property.
It’s crucial to pick insurance that reflects the specific needs of your mobile home based on location, age, and other factors like claims history and credit score.
Select an insurer with a strong reputation for mobile home coverage. Options range from national providers to local specialists.
Offers financial protection if someone gets hurt on your property.
Secures your belongings against theft or disaster-related damage.
Consider coverage for extra costs if you’re displaced from your home due to a covered event.
Ensure your policy aligns with the unique aspects of your mobile or manufactured home, taking into account New Mexico’s specific conditions and risks.
Factors like location and the home’s condition can influence your insurance premium, which averages around $1,000 annually in New Mexico.
Look out for discounts that can lower your premium, such as those for safety features or bundled policies.
In case of damage, contact your insurer immediately, document repairs, and keep all receipts.
If you’re looking to include your manufactured home as part of your property in New Mexico, the NM 16 Endorsement has got you covered. It ensures your cozy prefab or mobile home is part of the “land” mentioned in your policy. Just make sure everything’s lined up—ownership, location, and that it’s snugly attached to your land (we’re talking no wheels and hooked up to utilities). And hey, don’t forget to check that any old titles are canceled and taxes are cleared. If it’s assessed as real property, you’re all set. This way, you can relax knowing your home sweet (manufactured) home is insured and secure.
Compliance with Local Laws: It’s not just about having insurance; it’s about ensuring your coverage meets the specific standards set by New Mexico law, ensuring that your mobile home is properly classified and protected under state regulations.
Customizing Your Safety Net: Whether it’s liability coverage for unforeseen accidents or comprehensive protection for personal belongings, tailoring your insurance to fit your lifestyle is key to enjoying peace of mind in your mobile home.
These sections aim to guide mobile homeowners in New Mexico through the various aspects of obtaining and understanding the insurance necessary to protect their unique homes and the lifestyle they cherish.
Here's a list of coverage options that are typically available for mobile and manufactured home insurance in New Mexico:
Remember to discuss with your insurance provider to tailor your coverage based on your specific needs and the location of your home in New Mexico.
While not mandatory in New Mexico, insurance is a wise choice, especially if you have a mortgage on your mobile home. With the heightened risks of wildfires as a stark reality, having mobile home insurance becomes not just a precaution but a necessity. The state’s increasing wildfire risk, which has led to an insurance bubble, signifies the urgency for homeowners to secure coverage that can help rebuild and recover in the event of such disasters. Mobile home insurance offers a safety net against these unpredictable forces of nature, ensuring that you have the means to restore your home and possessions while also providing vital liability protection.
Given New Mexico’s susceptibility to wildfires, it’s a prudent step to safeguard your investment and secure your family’s well-being. Choose wisely to ensure your peace of mind in the Land of Enchantment.
When renting an RV, insurance is not just a formality but a necessity that covers liability and collision, safeguarding your journey across the diverse terrains of New Mexico.
Whether you’re renting for a short trip or an extended period, ensure your rental insurance is tailored to your itinerary and the specific challenges you may encounter in New Mexico.
Proactive Protection for Your Home: In New Mexico, the arid climate increases the risk of wildfires, making it essential for owners of mobile, manufactured, and modular homes to ensure their insurance policies include coverage for such environmental damages. This coverage can help rebuild or repair your home without the financial stress that typically follows a natural disaster.
An Essential Add-On in Prone Areas: Given the risk of flash floods in certain regions, it’s critical to have flood insurance as an endorsement, as standard policies often exclude flood damage. This addition can be crucial in safeguarding your home against the destructive power of sudden water influx.
Securing Stability Against the Shakes: While less frequent, New Mexico can experience seismic activity. Earthquake insurance endorsements for mobile homes, which are particularly vulnerable to ground movement, can provide peace of mind and financial security.
Tailored Coverage for Your Treasures: Due to the mobile nature of these homes, ensuring your policy includes coverage for personal property, with specific endorsements for high-value items like electronics, jewelry, and family heirlooms, is crucial in New Mexico, where break-ins and theft can occur.
Unique Landscapes, Unique Liabilities: New Mexico’s varied terrain can pose unique liability risks, from uneven ground causing injuries to guests to overhanging trees damaging neighbor’s property. A comprehensive liability coverage tailored to the unique aspects of your property’s terrain is an important consideration for homeowners.
Residents in Clovis, especially those in mobile/manufactured homes and RVs, need to be vigilant about severe weather risks, particularly tornadoes and thunderstorms. Precautions such as having a safe shelter plan, securing property against wind and hail, and being prepared for flash floods are crucial. Staying informed and having an emergency kit are key to safety during these events.
Enjoy your visit to Clovis, where a rich blend of history, culture, and natural beauty creates a unique and memorable experience!
Clovis has a total crime rate of 44 per one thousand residents, which is considerably higher than the national average.
Clovis has a high violent crime rate, with a chance of 1 in 152 of becoming a victim of violent crime. Violent crimes include offenses such as rape, murder, armed robbery, and aggravated assault.
Property crimes are also a concern in Clovis, with a chance of 1 in 27 of becoming a victim of property crime. Property crimes encompass burglary, larceny over fifty dollars, motor vehicle theft, and arson.
Given these crime statistics, it’s important for residents of Clovis to take measures to enhance personal safety and property security. This may include securing homes and vehicles, being aware of your surroundings, and working together with local law enforcement to address and prevent crime in the community.
Set up systems to collect and use rainwater effectively. Understand local regulations on rainwater harvesting.
Adapt your cooking habits to the desert environment. Tips for outdoor cooking and conserving water during clean-up.
Explore wind energy options for electricity in windy regions. Assess feasibility and regulations for small wind turbines.
Use protective covers and UV-protectant sprays on your RV. Park in shaded areas whenever possible to reduce sun exposure.
Maintain good indoor air quality with proper ventilation systems. Use air purifiers and regularly replace filters.
Plan RV trips around New Mexico's hiking and adventure spots. Pack appropriately for the region's terrain and weather.
Mobile & Manufactured Home Living in New Mexico: A Snapshot
By understanding these facets of mobile and manufactured home ownership in New Mexico, prospective buyers can make informed decisions and invest in homes that not only meet their budget but also provide security and a sense of community.
Reverse mortgage loans offer a unique financial solution for homeowners, and for those living in manufactured homes, it’s essential to adhere to specific guidelines to qualify. Reverse mortgages allow homeowners aged 62 and older to convert part of their home equity into cash while retaining homeownership.
Manufactured homes must comply with Federal Housing Administration (FHA) standards to be eligible. Key requirements include being a double-wide or larger, built post-1976, affixed to a permanent foundation, and classified as real property. Additions must be compliant with HUD standards, and the home must have never been moved. An engineer’s report is often required, and the home must have a deactivated title.
This financial tool can offer a lifeline by tapping into the home’s equity, providing owners with additional income or a lump sum to enjoy their retirement years comfortably.
Yes, according to New Mexico state law, manufactured homes MUST be assessed for property taxes. The Assessor will require a copy of the mobile home vehicle registration or title, as well as the mobile home property address or location.
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Clovis’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!
This one’s all about safeguarding your mobile home against any losses. If something happens to your home, you’ll usually get compensated based on its replacement cost, which means you won’t be left empty-handed.
Clovis is prone to strong windstorms. Consider coverage options that specifically protect against damage caused by high winds and severe gusts common in the area.
Clovis can be susceptible to flooding, especially during heavy rainfall events. Consider flood coverage options that provide protection against flood and flash flood damages, particularly if you live near flood-prone areas.
Ensure that your policy provides adequate coverage for your personal belongings inside the mobile or manufactured home, including furniture, appliances, electronics, and other valuable items.
RVs often carry personal belongings or expensive equipment. Ensure that your policy provides adequate coverage for your personal property in the RV, including clothing, electronics, and outdoor equipment.
Clovis experiences wind and hailstorms. Look for coverage options that specifically protect against damage caused by high winds and hail.
If you frequently use your RV for camping or vacationing purposes, consider coverage options that protect you against specific risks associated with these activities, such as campground liability or coverage for rental costs in case your RV is out of commission.
RVs can be subject to breakdowns or accidents. Look for coverage options that provide reimbursement for emergency expenses such as lodging, meals, or transportation if you are unable to use your RV due to covered repairs.
If you live in your RV full-time, consider full-timer coverage options that provide comprehensive protection for your RV and personal belongings, similar to a traditional homeowners policy.
