CEA Mobilehome Owners and Manufactured Homeowners Policy Coverages & Deductibles

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CEA’s rates are based on science, not profit. We use the best available science and research to set our insurance rates.

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Coverage options for mobilehome owners and manufactured homeowners

Our earthquake insurance for mobilehome owners allows you to choose between two policies: purchase all of your coverages together under one deductible, or, with Homeowners Choice, choose to have separate deductibles for your dwelling and personal property. With Choice, you may also choose to only purchase coverage for your dwelling, and decline other coverages.

Coverages	Standard Homeowners	Homeowners Choice	Additional Information
Mobilehome (dwelling)	Included	Included	Covers earthquake damage to your home and certain structures attached to it.
Coverage Limits	Same as your mobilehome owners insurance policy	Same as your mobilehome owners insurance policy	Your home is covered up to the Dwelling’s insured value on your mobilehome owners insurance policy. For example, if your home's insured value is $200,000, your earthquake insurance coverage will be the same amount.
Deductible	5%-25%	5%-25%	Deductible options are 5%, 10%, 15%, 20% and 25% of your Dwelling (Mobilehome) coverage. Mobilehomes with a Coverage A limit over $1 million can only select deductibles of 15%, 20%, or 25%. Claim-payment example: If your mobilehome is insured for $150,000, and You have purchased a 5% ($7,500) deductible, and An earthquake causes $50,000 in covered damage, then Your claim payment would be $42,500 (your covered loss, less your deductible, up to the limit purchased).
Personal Property	Included	Optional	Covers damage to your belongings, such as TVs and furniture.
Coverage Limits	Up to $25,000	Up to $25,000	Available in limits of $5,000 or $25,000.
Deductible	Included under your Dwelling deductible	5%-25%	The Homeowners Choice policy offers deductibles of 5%-25%. Homes with a Coverage A limit over $1 million can only select deductibles of 15%, 20%, or 25%. This deductible is separate from the dwelling deductible, which may allow you to receive a personal property claim payment even if you don’t meet the dwelling deductible. And, if the dwelling deductible is met, the personal property deductible is waived. Homeowners Choice claim-payment example: If your dwelling is insured for $150,000 with a 10% deductible ($15,000), and You have personal property covered for $25,000 with a 5% deductible ($1,250), and An earthquake causes damage to the dwelling that is less than the dwelling deductible, but $20,000 in personal property damage, then Although your dwelling deductible is not met, your separate personal property deductible allows you to receive $18,750! o This payment is the difference between the covered damage to personal property ($20,000), less the deductible ($1,250).
Loss of Use	Included	Optional	Covers additional living expenses if you need to live and eat elsewhere because earthquake damage or a civil authority prevents you from residing in your home. If your home is held for rent, loss of use (fair rental value) is covered.
Coverage Limits	Up to $100,000	Up to $100,000	Available in limits of $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000.
Deductible	None	None	There is never a deductible for Loss of Use.
Building Code Upgrade	Included	Included	Local authorities require that rebuilding or significant repair work be performed in a manner consistent with current building codes (not the codes that were in effect when the property was built). This coverage helps pay expenses associated with code-compliant rebuilding or repairs.
Coverage Limits	$10,000 included, $20,000 and $30,000 optional	$10,000 included, $20,000 and $30,000 optional	All mobilehome owners policies include $10,000 in building code upgrade coverage. You can also choose to raise the coverage to $20,000 or $30,000.
Deductible	Paid after the dwelling deductible is met	Paid after the dwelling deductible is met	Once your covered damage exceeds the Dwelling deductible, you could be eligible for payment for Building Code Upgrades, up to your chosen limit.
Emergency Repairs	Included	Included	Covers earthquake-damage repairs that are needed to protect your mobilehome or personal property from further damage (examples: repair broken windows or remove broken glass).
Coverage Limits	Up to 5% of homeowners and Personal Property limit	Up to 5% of homeowners and Personal Property limit	For example, if your mobilehome is insured for $100,000 and an earthquake strikes causing $80,000 in damage, you have up to 5% ($5,000) in Emergency Repairs coverage to make your mobilehome safe to live in.
Deductible	First $1,500 has no deductible	First $1,500 has no deductible	Emergency Repairs provide coverage up to 5% of dwelling and 5% of the personal property limit. The first $1,500 is not subject to the deductible.

We encourage you to read your entire CEA policy—and its policy declarations page—to understand your coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below.