California Mobilehome and Manufactured Home Earthquake Insurance Policies

CEA’s earthquake insurance dwelling coverage can be purchased alone or bundled with other coverages. Policy coverage includes earthquake damage to your mobilehome or manufactured home and certain structures attached to it, such as an attached garage. Deductibles available are 5%, 10%, 15%, 20%, or 25%. Mobilehomes with a Coverage A limit over $1 million can only select deductibles of 15%, 20%, or 25%.

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

You may need temporary housing while your home is being repaired or if a civil authority keeps you out of the area due to earthquake damage. Loss of Use covers the additional cost of living elsewhere, while you may still be paying your mortgage. It also covers additional items, including food, moving, and storage expenses. This CEA coverage never has a deductible.

Older mobile homes 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 mobilehome policy. For more help with added costs choose available Building Code upgrade coverage with even higher limits.

Emergency and necessary repairs may be needed after an earthquake to help protect your home from additional damage following earthquakes, rain or similar damage due to earthquake damage, or an aftershock. This could include labor and materials needed to board up damaged windows. The first $1,500 has no deductible.