Mobile or manufactured homes have risen in popularity recently, especially as housing prices have increased over the last few years. And people who own a mobile or manufactured home need to have the right insurance coverage to make sure their property is protected.
Below is a list of some of the most popular mobile home insurance companies offering coverage in California.
What companies offer mobile home insurance in California?
Many home insurance companies in California offer mobile or manufactured home insurance. Some of the biggest insurance companies, like Geico, offer mobile home insurance in California through partner companies like Foremost or American Modern. The benefit to working with one of these companies is that you can bundle your mobile home insurance with other insurance policies — often scoring a discount on premiums. Other companies, like Manufactured Housing Insurance Services, only offer mobile home insurance.
Mobile home insurance companies in California
Here are some of the insurance companies offering mobile home insurance in California in 2024:
Foremost
4.2
Why we chose it
As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.
Pros and cons
Pros
Insures homes of any age, model, make, and value
Replacement cost coverage available for your home, other structures on your property, and your personal belongings
Trip coverage available when moving your mobile home
Cons
Deductible options aren’t disclosed on its website
American Modern
4.9
Why we chose it
American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some California homeowners.
Pros and cons
Pros
Insures older mobile homes — with no age restriction
High-deductible options up to $5,000
Water damage coverage included in your base policy
Cons
Maximum dwelling coverage is only $300,000
Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage
Progressive
4.5
Why we chose it
Progressive offers guaranteed replacement cost coverage and extended replacement cost coverage for your dwelling, plus replacement cost coverage for your belongings and seasonal home insurance if you only live in your mobile home for part of the year.
Pros and cons
Pros
Available in all states except Alaska and Hawaii
Slew of policy and discount options available
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Progressive places you with
Customer service & claims options vary by company
More details
With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners who have a car or other types of property to insure. It also earned an above-average rating in J.D. Power’s 2022 digital experience study, indicating customer satisfaction with Progressive’s mobile and web experience.
However, Progressive isn’t a direct insurance carrier. This means your coverage, rates, and claims experience will depend on which company it places you with. Because of this, Progressive may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company.
How much is mobile home insurance in California?
The average cost of homeowners insurance in the U.S. is $1,754 per year, but California residents often pay lower-than-average rates. However, mobile home insurance is typically even pricier than standard home insurance coverage due to the higher risk of loss in extreme weather situations.
How much you ultimately pay varies based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in California
Here are some of the most common discounts in California for manufactured home insurance:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you have a newer mobile home.
Wind-resistant features: If you have wind-resistant features that protect against hurricanes, like storm windows.
Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years (usually three to five years).
Association membership: If you’re a member of certain associations, like USAA, AFI, or AARP.
Paperless policy: If you sign up to receive your bills and other policy documents electronically.
Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.
Age of insured: If you’re at least 50 years old or are retired.
Is mobile home insurance required in California?
No, mobile home insurance is not legally required in California. But if you have a mortgage on your property, the odds are good that your lender will require you to have mobile home insurance in place to protect their investment.
Also, if you live in a mobile home park, you may be required to purchase manufactured home insurance to live there. This is because homes in mobile home parks are located so close together, so damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined.
What does mobile home insurance cover in California?
A typical HO-7 mobile home insurance policy comes with six standard types of coverage:
Dwelling: Coverage for the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Coverage for additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Coverage for your belongings, like furniture and electronics.
Additional living expenses: Covers costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: If you are found liable for damage or injury to someone else, this coverage pays for those legal and medical expenses.
Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.
Extra coverages to consider for your mobile home in California
In addition to mobile home insurance, homeowners may want or need additional coverage, including:
Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home in transit if you need to move it.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in California cover flooding?
Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, California homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.
Learn more >> Flood insurance in California: What you need to know
Frequently asked questions
Does Allstate insure mobile homes in California?
Allstate does cover manufactured homes, but the insurer stopped offering coverage in California in 2022. The best way to find an insurer that will cover your mobile home is to get a quote from an insurance expert at Policygenius.
How much does it cost to insure a house in California?
The average cost of homeowners insurance in California is $1,383 per year, 28% less than the national average of $1,754 per year.
What is a mobile homeowners policy?
Similar to homeowners insurance, a mobile home insurance policy is designed to cover damage to your mobile home and personal property, as well as cover liability issues. The difference is that a mobile home policy is specifically for a manufactured home, so the price will likely be higher than a standard homeowners policy because mobile homes aren’t as capable of withstanding wind, hail, and other weather-related disasters.
Is homeowners insurance required in California?
No, California state law doesn’t require homeowners to purchase insurance. But homeowners who have a mortgage are likely required to have homeowners insurance coverage by the terms of their loan. Either way, it is a good idea to have homeowners insurance to protect you financially in case of a disaster.
