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CEA Mobilehome Owners and Manufactured Homeowners Policy Coverages & Deductibles

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You might be surprised to discover how flexible and budget-friendly earthquake insurance can be. CEA offers a variety of coverage choices and deductible options for mobilehomes and manufactured homes.

CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.

Use the CEA premium calculator to get an insurance cost estimate. Then, contact your residential insurer, who will help you purchase your policy.

How to Buy a Policy

Coverage options for mobilehome owners and manufactured homeowners*

Our earthquake insurance allows you to choose between two policies – either purchase all of your coverages together under one deductible, or choose to have separate deductibles for your dwelling and personal property. With many coverage limits and deductibles to choose from, you’ll find a policy to fit your needs and budget.

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 yourhome'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. According to upcoming policy options changes, 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.


Not available for new policies written on or after August 1, 2023 and renewals on or after November 1, 2023.

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.

* Reflects policy option changes that went into effect for new policies written on or after August 1, 2023 and for renewals on or after November 1, 2023. These changes include Dwelling Deductible Options (Coverage A), Personal Property Limits (Coverage C), Breakables, and Exterior Masonry Veneer. Learn more about our 2023 Policy Option Changes.

Mobilehome Owners and Manufactured Homeowners Policy Coverages & Deductibles FAQs

We’ve gathered some frequently asked questions from mobilehome and manufactured homeowners to help you understand how a CEA policy can help you recover from the next damaging earthquake.

Q: Do I need to retrofit my mobilehome before I can buy a CEA policy?

A. You do not need to retrofit your mobilehome before buying a CEA policy. However, a retrofit can make it stronger and more resistant to earthquake damage, and qualify you for a discount.

Q: As a mobilehome owner, am I eligible for a retrofit discount?

A. You may receive a 21% discount on your CEA earthquake insurance premium if your mobilehome:

  • Has been reinforced by an earthquake-resistant bracing system certified by the California Department of Housing and Community Development (HCD), or
  • Has been installed on an approved foundation system in accordance with subdivisions (a) or (b) of section 18551 of the California Health and Safety Code.

Learn more about premium discounts for mobilehomes or contact HCD for more information.

Q: How does CEA’s deductible work? Do I have to pay the deductible before receiving a payment?

A. You do not pay your deductible out-of-pocket. The deductible is subtracted from your covered damage so you don’t have to pay any of the deductible up front to receive a claim payment. 

Q: Will CEA pay for expenses if I have to move out of my home because of earthquake damage?

A. If you purchased Loss of Use coverage, you are eligible to receive payment for the additional living expenses necessary to maintain your normal standard of living, up to the coverage limit you selected. Remember that Loss of Use coverage never has a deductible!

Q: Who handles CEA applications, renewals, and claims?

A. CEA participating residential insurance companies process all policy applications, renewals, payments and claims.

Q: Is my home at risk from an earthquake?

A. There are thousands of known faults in California, and scientists continue to discover new ones. Since earthquakes can happen anywhere in California, damage to your home and personal property is always possible. Check to see earthquake risk near you and take steps to get prepared!

Calculate Your Earthquake Insurance Premium