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We Provide Earthquake Insurance for Californians

California Mobilehome & Manufactured Homes Earthquake Insurance Policies

California Mobilehome Earthquake Insurance Policies

When an earthquake strikes, you want peace of mind knowing that the cost to repair your mobilehome and replace your belongings are covered.

Did you know? Most mobilehome owners policies don't cover earthquake damage. You need a separate earthquake insurance policy to protect your home and your belongings. With more coverage choices, more deductible options, and more affordable rates, you can find the policy that best fits your needs and budget.

Choose between two Mobilehome / Manufactured Home policies

With a California Earthquake Authority (CEA) mobilehome owners earthquake insurance policy, you can choose coverages and deductibles you need. We offer two policies for mobilehome owners:

  • Homeowne​rs Choice offers coverage for your mobilehome, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  • Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.

Compare mobilehome / manufactured homeowners policies​​

Choose the policy that provides the coverage and deductible options you want:

Coverage Homeowners Choice Standard Homeowners
Home (Dwelling) Included Included
Building Code Upgrade (Costs to bring your home up to current building code while making covered repairs) Included Included
​Personal Property (belongings) Optional Included
​Emergency Repairs Included Included
Loss of Use (Costs exceeding your current housing expenses, to live elsewhere if your home is uninhabitable after an earthquake.) Optional Included
Breakables Optional Optional

Ready for the next step?

Read your CEA policy carefully

We encourage you to read your entire CEA policy to see what is covered and what is not. Exclusions and special limits apply.

All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for the full terms and definitions.