Prescott Valley, AZ
Prescott Valley, AZ landlord and rental property insurance
What Prescott Valley landlords should know before insuring a rental. A quote is not a binder.
Prescott Valley is home to roughly 50,045 people in Yavapai County, and about 28% of its 20,968 occupied homes are rented rather than owner-occupied, below the Arizona rate of 33%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Prescott Valley at a glance for landlords
| Measure | Prescott Valley | Arizona |
|---|---|---|
| Renter-occupied homes | 28% (5,817) | 33% |
| Median owner-occupied home value | $413,200 | $394,500 |
| Median gross rent | $1,580/mo | $1,543/mo |
| Median year structure built | 2002 | 1992 |
| Homes in 2–4 unit buildings | 9% | 5% |
| Single-family homes (detached or attached) | 74% | 69% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Prescott Valley
At a median home value of $413,200, Prescott Valley is in line with Arizona overall ($394,500). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Prescott Valley's median, the closest NAIC benchmark is the $400,000–$449,999 band, where the 2023 Arizona dwelling-fire average was $705. The all-amounts state figure was $636.
Protecting rental income in Prescott Valley
With median gross rent near $1,580 per month, twelve months of interrupted income in Prescott Valley comes to about $18,960 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Construction era of Prescott Valley rentals
A median build year of 2002 makes Prescott Valley's stock newer than most. Newer rentals benefit from modern wiring and plumbing, but replacement cost on recent construction can still run high.
Types of rental property in Prescott Valley
Prescott Valley is mostly single-family, around 74% of units, with 2–4 unit buildings at 9%. Single-family rentals here typically go on a dwelling fire policy.
Comparing Prescott Valley to neighboring cities
In Prescott, 32% of occupied homes are rented and the median value is $564,100. For comparison, Phoenix comes in at 43% rented and $420,700 median value, with median rent of $1,582. Nearby Tucson reports 48% renter households and a $266,200 median home value, so proportionally more renters than Prescott Valley. By renter share, Prescott Valley is number 14 on our list of 25 Arizona cities. Manufactured and mobile homes make up about 13% of Prescott Valley's housing, and many dwelling programs underwrite those separately. Roughly 5% of homes in Prescott Valley are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Weather and property risks for Prescott Valley rentals
Arizona landlords generally plan around monsoon wind and dust storms, extreme heat and cooling-system strain, and flash flooding in washes, which needs separate flood coverage. Those exposures apply in Prescott Valley as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a Prescott Valley rental
- Dates of wiring, plumbing, and HVAC upgrades
- Your existing policy and recent claims
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Prescott Valley and number of units
- Year built and roof age
- Lease type and whether the unit is ever empty
Request a Prescott Valley landlord quote
Questions from Prescott Valley rental owners
How many renters live in Prescott Valley?
About 28% of occupied homes in Prescott Valley, roughly 5,817 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Prescott Valley?
Not by statute. In practice, a Prescott Valley rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Prescott Valley?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arizona dwelling-fire average of $636; see our Arizona page for the full table.
Other Arizona cities
Landlord insurance in Arizona · Cost by state
Last updated October 15, 2026. Sources and method: how we research.