Mobile Home Insurance in California
You own a mobile home, and mobile home insurance protects it from financial loss or damage to it. It’s a wise way to protect your assets and have peace of mind and have coverage in terms of loss.
The coverage can include many items of your mobile home. Due to the perfect weather nature of the state, people buy thousands of mobile homes in the state.
The protection is up to the policy and its coverage;
- Structure of mobile home
- Property inside
- Other properties of a mobile home like patio awnings.
- Personal liability for yourself or someone you hurt or injure.
- Medical coverage for yourself, people visiting, or living with you.
The coverage you want for your mobile home insurance could be unique for yourself and include the relevant items in it. Also, you can pick the policies from the insurance company. Adding or removing one feature from the coverage is a matter of your decision and the company’s policy.
Are mobile homes common in California?
The answer is a definite yes. Mobile homes are common in California, and the state is proud to hold 560,817 mobile homes. The number includes manufactured homes as well.
From this huge number, 5,244 mobile homes are active and recreational vehicle parks.
There are 363,473 mobile home spaces in the state as well.
Mobile home insurance in California cost
The cost range for mobile home insurance in California is $250 to $1,300 per year. But the final price of your mobile home insurance is up to various factors. Various factors influence the final price:
- Where you live
- Price of your mobile home
- Conditions (plumbing or electrical systems)
- Mobile home age
- Your furniture and stuff
- The amount you can pay
- Your income
The best way is to explain your condition to us, and we will guide you on the final price. Also, you will get an explanation of the factors that lower or increase your mobile home insurance in California price.
What does mobile home insurance in California cover?
Mobile home insurance coverage in California is up to the company policies, your choice and preferences, and a few other factors. You would better explain your conditions to us and say where you go and what you do. It will give us a perspective on your situation and can recommend the necessary pr recommended items to be included in your insurance policy.
These items are some of the coverages that often come in mobile home insurance in California:
- Wind
- Dwelling
- Water damage
- Hail
- Theft
- Hurricanes
- Visitor injuries
- Fire
If there is a special coverage you want, you would better mention it in negotiations.
The below items are among the optional insurance coverages. Whether you get them under cover or not is up to your preferences and choice;
- Collectibles
- Jewelry
- Sports equipment
- Musical instruments,
- Etc
The below items are often not covered in mobile home insurance. But you would better ask us about the details of coverage and ensure everything:
- Flooding
- Earthquakes
- Insect or animal infestation
- Business purpose usage damage
Does California state law require to have mobile insurance?
California state law doesn’t require you to have mobile home insurance, and it is not mandatory. However, parks and mortgage companies require you to purchase insurance for this type of home. Also, a mobile home is expensive somehow. Even if the state law doesn’t oblige you to have insurance, it is a wise thing to do and protect your assets and belongings.
It would be hard to suffer a financial loss to your mobile home. Also, you might be worried often about its safety and security. The insurance will ease your mind to a large extent.
Manufactured home and mobile home insurance differences in California
There is a slight difference between mobile home insurance and manufactured home insurance in California. Both options cover insurance for the place you name home.
The one major difference for them is that if your home was built before June 15, 1976, it is considered a mobile home. However, if your home was built after that date, it is considered to be a manufactured home. A manufactured home comes under the US Department of Housing and Urban Development (HUD) rules and regulations. One of these regulations is safety standards. This is one of the primary reasons that insurance companeis won’t provide insurance to homes built before the mentioned date.
How to get mobile home insurance in California?
You are one phone call away from getting your mobile home insurance in California. David Elist insurance is the best and cheapest insurance company you can find.
Just give us a call, and we will guide you through the best coverage and option to get your insurance. There is not much paperwork to do, and your work will be done as short as possible.
Best mobile home insurance in California
David Elist insurance is the best company to get mobile home insurance in California.
Give us a call at 818-999-9737, and our expert will explain our policies and coverages to you. You will be able to pick the best and cheap mobile home insurance in California.
Don’t worry in terms of payment and price. The cost is reasonable, and you can afford it.
Frequently asked questions about mobile home insurance in California
Do I have to buy mobile home insurance in California?
The state law doesn’t force you, but parks and mortgage companies often ask.
How much is the mobile home insurance in California?
It’s about $250 to $1,300 per year that can go up or down on your conditions.
What is the best palace to get mobile home insurance in California?
David Elist is the best insurance company to get mobile home insurance.
