California mobile and manufactured home insurance
Coverage for mobile and manufactured homes - including older units and homes standard carriers avoid.
What it covers
- The manufactured home structure, often at replacement or stated value
- Attached structures like carports, decks, and skirting
- Personal belongings and personal liability
- Additional living expenses after a covered loss
- Optional trip/transit coverage when the home is moved
Older homes and fire-prone parks
Manufactured homes can be harder to place when they are older or sit in a high fire-hazard area. This is our specialty - we shop non-standard carriers and, where necessary, use the FAIR Plan plus a difference-in-conditions wrap to build broader protection.
Frequently asked questions
Can you insure an older mobile home?
Often yes. Age and construction can limit standard options, but we shop non-standard markets that specialize in older manufactured homes and use FAIR Plan solutions where needed.
Is mobile home insurance different from homeowners?
Yes. Manufactured homes use dedicated policy forms that account for their construction and value, though the core protections - structure, belongings, liability, living expenses - are similar.
What about a mobile home in a wildfire area?
We use the same approach as for site-built homes: admitted carriers first, then surplus lines and FAIR Plan plus difference-in-conditions coverage for fire-exposed locations.
Get your free quote
Turned down elsewhere? That is exactly who we help. Tell us what you need and a licensed California agent will reach out with real options.
Prefer to talk? Call (800) 555-0100.