Mobile and Manufactured Home Insurance

Mobile and manufactured home insurance is a specialized policy that may protect the home’s structure, your belongings, personal liability, and attached features like carports and skirting. It is written for factory-built homes, whether you own the land or lease a lot, and often covers homes that standard homeowners policies typically will not consider.

Your manufactured or mobile home is built differently than a site-built house, and it deserves a policy built for it. We work with California homeowners to match the right protection to how and where they live.

What does mobile and manufactured home insurance cover?

• The structure of your manufactured or mobile home.
• Personal property and contents inside the home.
• Personal liability if someone is hurt or their property is damaged.
• Other structures such as carports, sheds, decks, and skirting.
• Additional living expenses if a covered loss makes the home unlivable.
• Transport, tie-down, and trip coverage may be available when a home is moved.

Who needs it? Owners of a manufactured home on private land; residents who lease a lot in a mobile home park or community; owners of older homes that many standard homeowners policies will not consider; and buyers whose lender requires proof of coverage.

Many California residents live in park settings or on leased lots, which can affect how a policy is written and what the community expects you to carry. Earthquake and flood are typically excluded from standard property coverage in California and are handled separately.

How we help: We take time to understand your home, its age, and your setup, then explain your options in plain language. If you also own a rental property or want broader liability protection, we can talk through homeowners, landlord, and personal umbrella coverage so everything fits together.

These are usually written on their own form rather than a standard homeowners form, so the terms differ from the other residential policies.