Best Mobile And Manufactured Home Insurance In California 2025

Foremost stands out as the top choice for mobile home insurance companies in California.

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Updated: 14 March 2025
Written by Bob Phillips
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Mobile homes, also referred to as “manufactured homes,” have unique insurance needs compared to traditional homes. Due to their susceptibility to severe windstorms, hail, and water damage, finding appropriate coverage can sometimes be a challenge in California.

For those seeking the best mobile home insurance policy, several factors come into play, including coverage features and expenses. To simplify your decision-making, I’ve evaluated various companies and chosen Foremost as the “Best Overall” option for protecting your manufactured home and belongings.

Best Mobile Home Insurance In California, 2025

In our assessment, each of the reviewed companies has earned its place on our list due to distinct company benefits and policy attributes. It's important to note that the most suitable policy for you might differ from what's best for a friend residing just a mile away in their own mobile home.

Here's a glimpse of our selected companies along with a summary of essential criteria:

foremosticon-logo
Best Overall - Foremost
allstateicon-logo
Best for Retirees - Allstate
americanfamilyicon-logo
Best for Discounts - American Family Insurance
americanmodernicon-logo
Best for Specialized Coverage - American Modern
Mobile Home Insurance, California 2025

Compare Mobile Home Insurance Companies In California 2025

Now you've got a glimpse into our category victors, here's a more detailed perspective that places them in direct comparison:

Overall Rating Best For A.M. Best Rating Bundle Discount J.D. Power Rating /1000 Get A Quote
Foremost
4.9

Overall

A

No

868

Instant Quote
Progressive
4.9

Runner-Up

A+

Yes

859

Instant Quote
Allstate
4.8

Retirees

A+

Yes

854

Instant Quote
American Family
4.8

Discounts

A

No

855

Instant Quote
American Modern
4.5

Specialized Coverage

A+

No

Not Rated

Instant Quote
Assurant
4.5

Most Comprehensive Coverage

A

No

Not Rated

Instant Quote
Farmers
4.5

Endorsements

A-

Yes

792

Instant Quote
Scroll to see comparisons

Best Mobile Home Insurance Companies In California 2025


Best Overall

Overall Rating
4.9

Key Statistics

10/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
8/10 Affordability

Why We Like Them

Foremost, a subsidiary of Farmers, provides the typical range of coverage options offered by other mobile home insurers. However, its standout feature is the “extended replacement cost” coverage it offers.

The value of this replacement cost coverage is notable: in the event of total destruction of your manufactured home, you have the potential to receive reimbursement up to 20% beyond your policy limit.

Foremost’s distinction in customer satisfaction is evident, as indicated by its J.D. Power customer satisfaction rating of 868/1,000 – the highest among all the insurers we assessed.

It’s important to mention that Foremost doesn’t offer immediate online quotes on its website. Instead, upon completing a quote form, you can expect to receive an email quote within 24 hours.

Being one of the largest mobile insurance providers in the U.S., Foremost boasts a vast network of over 38,000 agents representing the company.

Benefits & Drawbacks

Benefits
  • Backed by AARP endorsement and offers member discounts
  • Accepts individuals with credit challenges
  • Offers coverage for older mobile homes
  • Provides a comprehensive selection of additional coverage, including debris removal and food spoilage protection
Drawbacks
  • Lacks an online application option
  • Quote processing may take up to 24 hours

Best Overall Runner-Up

Overall Rating
4.9

Key Statistics

8/10 Customer Reviews
10/10 Claims/Payouts
8/10 Coverage Level
8/10 Affordability

Why We Like Them

Progressive stands out due to its appealing discounts for new homeowners, strong financial strength, and high customer satisfaction ratings. The user-friendly design of Progressive’s website ensures easy navigation, and it provides instant quotes. Moreover, the availability of a mobile app enhances the digital experience for policyholders.

A distinctive feature unique to Progressive among the mobile home insurers we reviewed is its “single deductible” benefit. By combining your home and auto insurance with Progressive, any claim you make for either policy is subject to a joint deductible. This eliminates the need for separate deductibles for each policy.

For instance, if a hailstorm damages both your mobile home’s roof and your car, and you maintain a $500 deductible for both policies, you only need to cover one deductible, and repairs for both assets are covered.

Furthermore, there’s an added benefit of a bundle discount when you choose Progressive for both your mobile home and auto insurance needs.

Progressive goes a step further by offering an endorsement option called “trip collision.” This valuable feature safeguards your dwelling and personal belongings while they are in transit from one location to another.

Benefits & Drawbacks

Benefits
  • Offers replacement cost coverage as an option
  • Provides targeted discounts for new homeowners
  • Features a convenient mobile app for policy management
Drawbacks
  • Consumer ratings fall short compared to numerous other mobile home insurers
  • Some policies are underwritten by third-party companies

Best For Specialized Coverage

Overall Rating
4.6

Key Statistics

8/10 Customer Reviews
10/10 Claims/Payouts
8/10 Coverage Level
8/10 Affordability

Why We Like Them

Established in 1949, American Modern asserts itself as one of the pioneers in insurance policies tailored to mobile homes. Its expertise lies in tailored coverage, particularly for owners of vacant or seasonal homes. This unique feature sets it apart from the other companies we evaluated.

However, it’s worth noting that American Modern does not provide replacement cost coverage for a complete loss. In the event of such a loss, it settles based on the stated value of your home as indicated in your policy, with no depreciation deduction.

Conversely, for partial losses, it compensates based on the actual cash value of the loss. Yet, the option to upgrade to a replacement cost valuation is available for partial losses.

Benefits & Drawbacks

Benefits
  • Offers a reliable mobile app for convenient claims reporting
  • Brings extensive experience and understanding of the mobile home market over decades
Drawbacks
  • Requires obtaining quotes from an agent, as online quotes are unavailable
  • Doesn't provide certain discounts available with other insurers

Best For Retirees

Overall Rating
4.8

Key Statistics

8/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
9/10 Affordability

Why We Like Them

While Allstate ensures comprehensive coverage for all policyholders, it extends a special discount to retirees aged 55+ and original titleholders of mobile or manufactured homes. This discount contributes to making a policy more affordable. Additionally, Allstate presents a bundle discount, a common offering among most insurers.

Allstate mobile home insurance possesses a unique aspect not found in other insurers we reviewed: “mine subsidence” coverage. This safeguards against damage to your mobile home resulting from land movement triggered by man-made mining activities. Furthermore, Allstate provides property protection to cover damage to satellite dish antennas.

Allstate’s standard mobile home coverage is on par with its competitors, encompassing benefits such as actual cash or replacement cost coverage for both your manufactured home structure and personal property. The policy also includes liability protection and guest medical protection.

For those seeking added protection, optional add-ons are available, ranging from coverage against water backup and reimbursement for green improvements after a loss to electronic data recovery.

Benefits & Drawbacks

Benefits
  • Offers discounts for retirees and original title holders
  • Provides a mobile app for convenient policy management
  • Offers a variety of appealing optional coverage choices
Drawbacks
  • Customer experiences may differ based on the performance of local agents
  • Immediate online quotes are not available

Best For Most Comprehensive Coverage

Overall Rating
4.5

Key Statistics

7/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
8/10 Affordability

Why We Like Them

Unlike many policies that lack coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant stands out by providing protection against these events for its policyholders.

Assurant’s All Risk coverage safeguards against sudden and accidental incidents that directly lead to loss or damage to your mobile home (with a few listed exclusions). Furthermore, their dwelling and personal property replacement cost coverage ensures that your home and belongings are replaced with new items of similar kind and quality, without any deduction for depreciation.

Additionally, Assurant extends its coverage to adjacent structures on your property, such as sheds, fences, or standalone garages. In cases where your home sustains severe damage due to a covered loss, Assurant also offers compensation for additional living expenses incurred while your home is uninhabitable.

Benefits & Drawbacks

Benefits
  • Includes coverage for floods and earthquakes as part of the standard policy
  • Provides replacement cost coverage for your home and property as a standard feature
Drawbacks
  • Requires calling a toll-free number between 7 am to 7 pm for quotes, as online quotes are unavailable
  • Does not offer a mobile app for convenience

Best For Discounts

Overall Rating
4.8

Key Statistics

8/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
7/10 Affordability

Why We Like Them

While not as widely recognized as some of its larger-budget competitors, American Family holds its place among the top eight home insurers in the U.S. in terms of market share. This insurer distinguishes itself through a range of discounts that provide numerous avenues to reduce your monthly premium.

Qualifying for discounts from American Family is attainable through various methods, including:

  • Bundling your mobile home and auto insurance
  • Equipping your home with smart devices like Ring or Nest
  • Owning a newer home purchased within the last three years
  • Utilizing the company’s autopay, full pay, and paperless billing features

One notable aspect of American Family’s coverage is its diminishing deductible feature. On the day you acquire your policy, the deductible is reduced by $100, transforming a $1,000 deductible to $900. Subsequently, each year upon policy renewal, your deductible will continue to decrease until reaching the policy’s maximum limit.

Benefits & Drawbacks

Benefits
  • Offers an extensive range of ways to qualify for discounts
  • Provides a mobile app for tracking the status of your claims
  • Presents a diverse selection of additional coverage options
Drawbacks
  • Some reports indicate slower claims processing times

Best For Endorsements

Overall Rating
4.5

Key Statistics

4.7/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
7/10 Affordability

Why We Like Them

Tailored to your individual requirements, Farmers offers customizable mobile home insurance policies. With a widespread network of agents across the state, Farmers is ready to assist you in selecting the appropriate coverage, deductible, and endorsements that suit your needs.

Among the endorsements offered by Farmers are options for green-home improvements, enabling you to upgrade your appliances and systems to energy-efficient models after a claim. Additionally, you have the opportunity to opt for replacement cost coverage, providing extra personal protection, along with identity theft coverage.

Farmers also extends various discounts to policyholders, including incentives for having a home security system, being a non-smoker, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies, such as car or life insurance, with Farmers.

Benefits & Drawbacks

Benefits
  • Claim forgiveness ensures that your rates won't increase after five consecutive years without a claim
  • Covers the replacement of your personal property even when it's lost or stolen while you're away from home
Drawbacks
  • Quotes are exclusively available through agents; no online quoting option
  • Received the lowest J.D. Power score among the insurers we assessed

How To Find The Best Mobile Home Insurance Company For You

When you are ready to find the best mobile home insurance company, make sure that you follow these steps:

Compare Quotes

Compare quotes from several companies. Don’t look at cost alone. Look at things like the financial stability of the company, how long they have been in the area and how their reputation stacks against other companies when it comes to customer service.

Look at the reputation they have for approving claims or what the claims denial process is.

1

Consider Special Coverage Needs

In California you need to consider any special needs you might have based on your location, particularly earthquake damage or fire damage. As more and more companies are leaving the state, it’s important that you consider working with specialty insurance providers who can offer mobile home insurance in particular as well as local or regional insurance providers who can offer tailored policies that give you the fire insurance you need.

2

Caculate Value Of Belongings

Assess the worth of your valuable or distinctive possessions. By calculating the total value of these items along with your other belongings, you’ll be better equipped to establish the appropriate policy limits. This step will prevent both over-insuring and overspending.

3

Customize Your Policy

Take time to customize your policy and make sure that you have additional coverage against specific risks based on your needs. You can even work with an insurance agency to find tailored plans to your needs and budget.

4

Find Mobile Home Insurance In California

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Do You Need Mobile Home Insurance In California?

California state law does not require mobile home owners to carry insurance, but it is highly recommended to protect against financial loss and to protect your home and belongings.

  • If you live in a mobile home community, many mobile home communities require that you carry insurance so check with the rules.
  • If you are financing your mobile home, your lender might require insurance, so check with them.

Always check with your financer, or mobile home community and consider whether you are in a position to replace the value of your personal belongings or your home in the event of an emergency or disaster.

What Does Mobile Home Insurance Cover?

A typical mobile home policy typically includes the following coverage:

Dwelling Coverage

This aspect ensures repairs or replacement of your mobile home’s structure when it’s damaged due to events covered by your policy. The coverage extends up to your selected limit. Additionally, you’ll choose a deductible, the amount you pay before the insurer’s involvement in approved claims.

The following events are usually covered:

  • Fire
  • Lightning
  • Explosions
  • Vandalism
  • Falling objects
  • Wind and hail
  • Weight of ice and snow
  • Damage from wild or stray animals
  • Burst pipes

Personal Property Coverage

This part facilitates replacement or repair of your electronics, furniture, and other possessions in case they’re stolen or damaged.

Other Structures

This provision caters to repair expenses for structures like sheds, fences, or other non-attached entities. It comes into play if an event specified in your policy causes damage, to provide you with structures coverage.

Liability Insurance

Liability coverage settles claims if visitors sustain injuries and sue you, or if you unintentionally cause harm to others’ property. It often encompasses related legal expenses.

Depending on the policy you get you can also include additional coverage for things like living expenses being reimbursed if your home is temporarily uninhabitable because of a covered event. 

Average Cost Of Mobile Home Insurance In California

The average cost of mobile home insurance in California ranges between $350 and $1,000 per year and there are several factors that can influence this cost including the age, location, and condition of your mobile home.

This range hinges on your chosen coverage limits, deductible, selected options, and additional factors discussed below.

Various aspects influence the pricing of your home insurance policy in California:

  • Location (ZIP Code): The region you reside in plays a role in determining rates.
  • Home Age: The age of your mobile home contributes to the pricing.
  • Replacement Cost: The cost of replacing your home influences the rates.
  • Coverage Limits: The scope of coverage you opt for impacts the premium.
  • Deductible: The deductible you choose affects your insurance costs.
  • Claims History: Your history of past claims can influence the rates you receive.

All the insurers we evaluated offer various discounts for manufactured home insurance policyholders, which may include bundling your coverage with auto insurance.

What Does Manufactured, Or Mobile, Home Insurance In California Not Cover?

There are certain events that are excluded from mobile home insurance coverage in California including the following:

Floods

Flood damage is typically not covered by any insurance provider.

Wear and Tear

As the homeowner you are expected to maintain your mobile home with regular maintenance so damage from wear and tear is not covered.

Insect or Animal Infestation

Part of your expected regular maintenance is animal and pest prevention so damage from insect or animal infestation is not considered an unexpected item and therefore not covered.

Earthquakes

California experiences roughly 10,000 earthquakes in the Southern California region per year, every year, but around 500 of those are large enough to be detected by residents and to cause damage. Despite the high frequency, earthquake damage is not covered under most policies in California.

Business-Related Damage

California has the highest number of small businesses with the highest number of home-based employees so if you run a business from your mobile home, you may need a separate commercial policy to cover any damage resulting from those business activities. Standard policies won’t cover it. 

Largest Manufactured Home Insurance Providers In California

Provider Market share
Foremost 4.1%
Assurant 1.7%
American Modern 2.3%
American Family 4.4%
Allstate 8.77%
Progressive 1.8%
State Farm 8.34%

Discounts on Mobile Home Insurance in California

Mobile homeowners in California can qualify for many discounts depending on the provider including things like:

  • Multi policy discounts
  • Discounts for installing safety and security features
  • Good credit discounts
  • Discounts for having a clean claims history
  • Discounts based on the number of years you have maintained the same insurance policy with the same provider
  • Discounts based on the age of your mobile home
  • Discounts for monitoring devices like smoke alarms and fire alarms

Many of these can be bundled to maximize your savings.

Unique Considerations For Mobile Home Insurance In California

One of the most important factors that is affecting California mobile home insurance availability and price is the extreme weather. California faces a range of severe weather conditions that include:

  • Wildfires
  • Damaging Winds
  • Lightning
  • Tornadoes
  • Hurricanes
  • Tropical Storms
  • Longer fire seasons
  • Drought conditions
  • Hail
  • Flood Damage

All of these mean billions of dollars in claims for insurance companies, and many insurance companies finding it difficult to provide policies to mobile homes at all.

How To Find Cheap Mobile Home Insurance In California

If you are looking for cheap mobile home insurance in California it is always best to compare quotes from at least three companies in the area. Ask questions like:

  • How much coverage should I have for my personal belongings and my house?
  • Do I need a replacement cost coverage plan or an actual cash value plan?
  • What discounts are available to help reduce my premiums?

When you have answers to these questions, you can compare the coverage options and price, and pick a policy using an independent agent or comparing quotes online.

Looking For Mobile Home Insurance In Other U.S. States?

State Average Annual Premium
Florida $1,931
Texas $2,348
Pennsylvania $2,144
North Carolina $1,865
Georgia $1,509

Our Methodology

In choosing our "Best For" selection and overall rating, our assessment focused on the standard and optional coverages offered by each insurer, coupled with online reviews, financial stability, and customer satisfaction ratings.

It's important to note that none of the insurers we evaluated provide pricing information online.

105

Quotes Analyzed:

23+

Research Hours

38

Brands Reviewed

15+

Years Of Experience

FAQs

Is mobile home insurance more expensive in California?  

In general, mobile home insurance costs in California are on par with those in neighboring Southeastern states, with the exception of Florida. In Florida, numerous insurers don’t provide coverage for manufactured homes.

Do all insurance providers offer mobile home insurance in California?

No, not all homeowners insurance providers will also provide mobile home insurance. However, California offers state resources through the California Department of Insurance to make sure that you are able to purchase the policy you need.

Does California homeowners insurance cover my mobile home while it is in transit?

Most policies do not extend to coverage while your home is in transit. However, some providers will offer temporary coverage or endorsements for any physical damage while your home is in transit.

Can I get fire insurance on a mobile home in California?

The California FAIR plan is designed to make fire Insurance readily available even to mobile homes that are considered a high risk. You can contact the FAIR Plan directly or visit their website for information on mobile home insurance in California.

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