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.
