California Mobilehome and Manufactured Home Earthquake Insurance Policies

Coverage for your mobilehome can be purchased alone or with other coverages. Policy choices include earthquake damage to your mobilehome and structures attached to it, like your garage. Deductibles available are 5%, 10%, 15%, 20%, or 25%. Mobilehomes with a Coverage A dwelling limit greater than $1,000,000, are only eligible for a 15%, 20% or 25% deductible.

Personal property coverage protects the valuables inside your home. This includes items like furniture, clothing, and sporting goods that are damaged or lost in the event of a major earthquake.

Loss of Use covers the additional cost of living elsewhere if you cannot safely occupy your home due to earthquake damage while your home is being repaired or rebuilt or when a civil authority prevents entry to your home because of earthquake damage. Keep in mind that you still may be paying your mortgage while in temporary rental housing. Loss of Use not only covers rent but also additional living expenses. Our Loss of Use coverage never has a deductible.

Mobilehomes that are damaged by a major earthquake may need upgraded components such as plumbing, electrical, heating and air conditioning systems to pass local and state building inspections. Rebuilding after a devastating earthquake generally must be done to current building-code standards. A $10,000 building code upgrade coverage is included with every CEA homeowner policy.

Emergency and necessary repairs may be needed after an earthquake to help protect your mobilehome from additional earthquake damage or aftershocks. This could include labor and materials needed to board up damaged windows. There is no deductible for the first $1,500.