Best Mobile / Manufactured Home Insurance In California 2025
Foremost is the best mobile, or manufactured, home insurance company in California. You can find coverage for an average annual rate of $1,758.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes (also called “manufactured homes”) differ from traditional homes when it comes to buying coverage that best protects your mobile home and belongings. Because of the exposure and vulnerability of manufactured homes to violent windstorms, hail, and water damage, it can be challenging in some instances to qualify for mobile home insurance in California.
For those seeking the best manufactured/mobile home insurance policy, several factors come into play, including coverage features and expenses.
Key Takeaways
Foremost is one of the top mobile, or manufactured, home insurance companies in California.
The average annual rate of mobile, or manufacture, home insurance in California is $1,758.
Discounts are available to help you lower your insurance premium.
Best Mobile Home Insurance In California, 2025
In our assessment, each of the reviewed companies has earned its place on Insuranceopedia's 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, or relative, 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:
Best Manufactured / Mobile Home Insurance In California 2025
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, provides the typical range of coverage options offered by other manufactured / 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 manufactured/mobile insurance providers in the U.S., Foremost boasts a vast network of over 38,000 independent agents representing the company.
Benefits & Drawbacks
⇅- Backed by AARP endorsement and offers member discounts
- Accepts individuals with poor credit histories
- Offers coverage for older mobile homes
- Provides a comprehensive selection of additional coverages, including debris removal and food spoilage protection ✓
- Lacks an online application option
- Quote processing may take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
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 manufactured/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 manufactured/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 manufactured/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
⇅- Offers replacement cost coverage as an option
- Provides targeted discounts for new homeowners
- Features a convenient mobile app for policy management ✓
- Consumer ratings fall short compared to numerous other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Established in 1949, American Modern asserts itself as one of the pioneers in insurance policies tailored to manufactured/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
⇅- Offers a reliable mobile app for convenient claims reporting
- Brings extensive experience and understanding of the mobile home market over decades ✓
- Requires obtaining quotes from an independent agent, as online quotes are unavailable
- Doesn't provide certain discounts available with other insurers ✘
Wildfires and earthquakes impact mobile homes across California. With PolicyOwl, you can upload your current policy and instantly see if your coverage matches your needs.
How To Find The Best Manufactured/Mobile Home Insurance
When you are ready to find the best manufactured/mobile home insurance company, make sure that you follow these steps:
Compare Quotes
Getting multiple quotes will help you become more knowledgeable about mobile home insurance and ensure you’re not going to overpay for your coverage.
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.
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 should help prevent both over-insuring and underinsuring.
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.
Find Mobile Home Insurance In California
Do You Need Mobile Home Insurance In California?
California state law does not require manufactured/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 manufactured/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 manufactured/mobile home policy typically includes the following coverages:
Dwelling Coverage
This aspect ensures repairs or replacement of your manufactured/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 – including structure fires and wildfire damage
- 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 by a covered loss.
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 manufactured/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:
- Home Age: The age of your manufactured/mobile home contributes to the pricing.
- Replacement Cost: The cost of replacing your manufactured/mobile 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 standard manufactured/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.
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
- Flooding 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.
Compare Mobile Home Insurance Rates In Other States
| U.S. State | Average Annual Premium |
| Alabama | $1,195 |
| Alaska | $770 |
| Arizona | $865 |
| Arkansas | $1,231 |
| Colorado | $1,167 |
| Connecticut | $806 |
| Delaware | $596 |
| Florida | $1,337 |
| Georgia | $1,192 |
| Hawaii | $498 |
| Idaho | $764 |
| Illinois | $1,195 |
| Indiana | $971 |
| Iowa | $1,186 |
| Kansas | $1,456 |
| Kentucky | $1,267 |
| Louisiana | $1,467 |
| Maine | $679 |
| Maryland | $871 |
| Massachusetts | $903 |
| Michigan | $840 |
| Minnesota | $1,124 |
| Mississippi | $1,289 |
| Missouri | $1,367 |
| Montana | $1,308 |
| Nebraska | $1,353 |
| Nevada | $569 |
| New Hampshire | $570 |
| New Jersey | $697 |
| New Mexico | $936 |
| New York | $710 |
| North Carolina | $887 |
| North Dakota | $1,242 |
| Ohio | $793 |
| Oklahoma | $1,401 |
| Oregon | $563 |
| Pennsylvania | $674 |
| Rhode Island | $923 |
| South Carolina | $935 |
| South Dakota | $1,528 |
| Tennessee | $1,526 |
| Texas | $1,414 |
| Utah | $583 |
| Vermont | $652 |
| Virginia | $730 |
| Washington | $881 |
| West Virginia | $796 |
| Wisconsin | $759 |
| Wyoming | $741 |
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.
Quotes Analyzed:
Research Hours
Brands Reviewed
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.
