Many mobile home owners in Orange County, California worry about whether they can still obtain insurance for their property. With insurance companies tightening underwriting guidelines in California, it’s a common question:
“Can I still get insurance for my mobile or manufactured home?”
The good news is that mobile home insurance is still available in California, although the options may be more limited than traditional homeowners insurance.
If you own a mobile or manufactured home in Irvine, Westminster, Huntington Beach, Santa Ana, or anywhere in Orange County, there are still insurance options available to help protect your property.
What Is Mobile Home Insurance?
Mobile home insurance (also called manufactured home insurance) is a type of policy designed specifically to cover the unique structure and risks of mobile homes.
Similar to homeowners insurance, these policies can help protect:
• The structure of your mobile home
• Personal belongings inside the home
• Liability if someone is injured on your property
• Additional living expenses if your home becomes unlivable
This coverage helps protect homeowners financially if their property is damaged by events such as fire, theft, or certain storms.
Is Mobile Home Insurance Required in California?
Mobile home insurance is not required by California law, but many situations still require it.
You may need mobile home insurance if:
• You have a mortgage on the home
• Your mobile home park requires proof of insurance
• You want financial protection for your home and belongings
Most lenders will require insurance before approving a loan because it protects their investment in the property.
Why Some Mobile Homes Are Harder to Insure
Some mobile homes may be harder to insure depending on certain risk factors.
Common reasons include:
• Older mobile homes built before 1976 HUD standards
• Homes located in wildfire-prone areas
• Poor condition or outdated systems
• Homes not permanently attached to a foundation
However, specialty insurance companies still provide coverage for many of these homes.
Insurance Companies That Offer Mobile Home Insurance in California
Several companies specialize in manufactured or mobile home insurance, including:
• Foremost Insurance
• American Modern
• Progressive partner companies
Some of these companies focus specifically on manufactured housing, which can make it easier to insure homes that traditional insurers may decline.
How Much Does Mobile Home Insurance Cost in California?
The cost of mobile home insurance varies depending on:
• The age of the mobile home
• The value of the home
• Location and wildfire risk
• Claims history
• Coverage limits
In California, the average cost of mobile home insurance is about $1,700 per year, although prices can vary widely depending on the property.
What Mobile Home Insurance Typically Covers
Most policies provide several key protections.
Dwelling Coverage
Helps repair or rebuild the mobile home if damaged by covered events.
Personal Property
Covers belongings such as furniture, appliances, and electronics.
Liability Protection
Helps cover medical or legal expenses if someone is injured on your property.
Loss of Use
Helps pay for temporary housing if your home becomes unlivable after a covered claim.
Mobile Home Insurance in Orange County, CA
Mobile homes are common in many parts of Orange County, especially in communities throughout:
• Irvine
• Westminster
• Huntington Beach
• Santa Ana
• Anaheim
• Costa Mesa
Even if your home is older or has been declined by one company, an experienced independent insurance agency may be able to help you find coverage through specialty insurers.
Need Mobile Home Insurance in Orange County?
At Starwest Insurance Services, we help homeowners throughout Orange County explore insurance options for:
• Mobile homes
• Manufactured homes
• Homes that other companies may decline
📞 Call: 714-893-7271
🌐 Website: starwestinsurance.com