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We Provide Earthquake Insurance for Californians

Are mobilehome owners eligible for a retrofit discount?

Yes. A CEA policyholder may be eligible for a 23 percent Hazard Reduction Premium Discount, on average, on their mobilehome policy premium if they have one of the following:

  • Earthquake Resistant Bracing System (ERBS) that will hold a mobilehome in place in its upright position during an earthquake.
  • Earthquake resistant foundation system: A foundation built on-site that includes supports and piers capable of transferring all weight loads to the ground without failing. Constructed of concrete, metal, treated lumber or wood, or masonry, which are often placed below grade.

In order to qualify for and receive the discount, policyholders who have installed an ERBS or an approved foundation system must provide to their CEA participating insurer a copy of a final inspection report that verifies:

  1. Prior issuance of a building permit, and
  2. That the system and installation meet California Department of Housing and Community Development certification or the local jurisdiction’s building-inspection requirements.