Do you need low cost insurance or Mobile Home Insurance in California, regardless if you live in Riverside CA, or Victorville CA?
Before you start comparing Insurance Companies for Mobile Homes, make sure that you understand the main components of your policy first.
This will be a helpful map guide in finding the right coverage for the right price.
You will want to know what your policy covers and how you can better protect your investment, regardless if you own your manufactured home or not.
The first order in buying manufactured home insurance or mobile home coverage is, eligibility, so let’s begin there.
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In order to qualify for a California Manufactured Home Insurance policy or Mobile Home Coverage, your manufactured home must meet requirements enforced by carriers.
The following underwriting guidelines and criteria can be found on your actual policy. In the numerous pages of paperwork, you will find policy guidelines. In this page, you will find all qualifying marks you must meet.
The first requirement will start with the place the home was built at. Makes sense. Location is everything with property coverage. It is the basis of how your policy will operate.
If the location is in a crime invested or highly populated area, you will definitely see that reflected on your policy premium.
No matter if you are buying car insurance or home, risk factors will always play a role in your rate.
Deny or Offer Coverage
Very common question. Will you accept my risk or not. This is the case with your mobile home.
Most mobile home companies will only accept factory built mobile or manufactured homes.
They can either be with a single or multi-section. Also, they must be built on a permanent chassis that can be transported to the site where the home will reside on.
Again, you can see where risk plays a factor. Permanent versus temporary is definitely a conditional term of coverage which effects acceptability of risk.
Federal Building Code
For obvious reasons, since 1976 manufactured homes must meet the federal building code administered by the United States Department of Housing and Urban Development (HUD).
This agency was created for regulation and procedure purposes. This agency will inspect to ensure compliance with the HUD code.
This is certified in either a red or silver label and can be accepted under a mobile home coverage policy.
Mobile Homes built-in a factory prior to 1976 that are built on a permanent chassis and able to be transported to its site are also acceptable under this type of coverage policy.
Modular Homes that were built-in a factory and also can be transported to the site in where the modules will be set for installation by a licensed builder are also an acceptable risk under a mobile home coverage policy.
However, if your modular home was not built on a permanent chassis or up to HUD code, then you must meet state, local or regional codes at the site where the home is located.
This example would be ineligible for owner-occupied and rental risk since it only applies to tenants.
Another eligible vehicle under the mobile home policy is Park Model Recreational Units, such as park model trailers.
In order to be eligible, the trailers have to be built on a single chassis.
This is mounted on wheels that have a gross trailer area not exceeding 400 square feet.
Stationary Travel Trailers
Stationary Travel Trailers, which are a recreational structure mounted on wheels that is primarily designed to provide living quarters.
- Such quarters are:
- for recreation,
- and seasonal use are also eligible vehicles under this type of insurance policy.
These trailers must be permanently set up, connected to permanent water and sewer, have electric service and are kept at a fixed location and can not be towed over the road.
If you are not a tenant or renting the property, then this trailer coverage would not apply to your scenario.
Eligible Use Type
Now that you have an overview of what eligible items are accepted under a policy.
Let’s examine the different eligible use types that are available on your insurance policy.
One eligible type of use found under this policy is Primary Owner Occupied.
Primary Owner occupied are homes that are used full-time as a primary residence for at least five consecutive months each year.
If you are using the property as a farm or ranch owner occupied home and not for the use as a hobby farm or ranch, then your use type would be considered eligible under most standard coverage policies.
Claims and Coverage
All bodily injury and property damage claims arising out of farming or ranching however are excluded.
Secondary Owner Occupied homes used as a seasonal or vacation residence on an infrequent basis, or on a continuous basis, but less than five consecutive months in a year are eligible use types.
Rental Dwelling that is rented for residential purposes with a lease agreement for 12 months or more would be acceptable as well.
If you have a vacation and short-term rental dwelling which is used for residential purposes and has a lease agreement for less than 12 months, regardless if it’s on a daily, weekly or monthly basis would be acceptable.
Dwelling may also be used by the owner for their own vacation purposes as well as a tenant person who does not own the home but occupies it as their primary residence.
On the flip side of the coin, an ineligible use type on a policy would be considered vacant.
Vacancy defined in the insurance language is, the absence of most furniture and other common household items needed for human living with no future intention of having household occupancy.
Vacant homes are unacceptable unless they are purchased new and will be occupied within 60 days of the policy effective date or if a home is not fully installed or connected to utilities.
However, are expected to have connection and occupancy with 60 days of the policy inception date.
Dwelling Fire Program
Vacant homes may be acceptable in a Dwelling Fire Program.
But, unoccupied homes without human presence containing enough furnishings or other personal property that shows intent to return and occupy the dwelling also fall under this in eligibility use requirement.
A low-cost (manufactured) policy will either replace or pay for damages resulting from such things as:
- or any other disaster not excluded from the terms of the policy found under the conditions and underwriting guidelines on your declarations page.
In addition to covering damages to the mobile (manufactured) home itself.
Many policies will also pay for losses to other structures attached to the mobile home, such as patios and garages.
Many policies limit the company’s liability to $100,000, but additional coverage can be purchased for additional protection.
Usually, these changes are made through a process called an “endorsement”.
These policy changes should not cost you anything out-of-pocket. The only increase in premium would be seen on your next billing statement.
If you must replace trees or shrubs next to your mobile home that are damaged or are stolen, most policies will cover the cost of replacing them.
This is to the extent of the limits set by your policy, make sure to review your declarations page for this information.
This is an important reminder, always review your policy for gaps in coverage.
Personal Items Coverage
If items such as furniture, clothing or other personal property have either been stolen or destroyed, your mobile home policy will cover the loss up to the amount stated in your policy.
You should take an inventory of those items and calculate the amount you would need to replace them.
You may not have enough coverage as you want in the event of a loss so let us help you in that process.
Liabilities in Policy
Regardless if you are at home or away from your mobile home, your policy will cover damage or loss to others and their property.
This policy provides peace of mind while your away or not from your home!
This coverage extends to your pets as well. As an example, if your dog ruins a rug in your neighbor’s house, your policy will cover it.
Most policies limit coverage to only those losses that are not covered by your automobile insurance so, make sure you are being properly insured to avoid any gaps in coverage.
Add To Your Coverage
Another great coverage to have on your policy is added to your coverage”.
An illustration of this coverage is if you must move temporarily out of your home.
While your home is being repaired, you can be covered for those expenses incurred during the inconvenience of relocating temporally.
Also, for an additional premium, you can be covered for any legal and other fees arising from losses either to your mobile home and your property, as well as to others and their property.
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Not all companies or providers specialize in type of coverage options or programs, which can create gaps in coverage, costing you more than money in the long run.
Regardless if you buy from us, we’re here to answer any questions you may have on finding homeowners insurance quotes or compare auto insurance.
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