Technology Credit Union is making it easier and more affordable for you to obtain quality insurance on your mobile home through a newly formed strategic alliance with our new insurance provider, California Insurance Specialists Lic. (0M04446). California Insurance Specialists is providing competitive insurance for your valued assets by representing many top-ranked National and Regional insurance companies, which allows them to obtain the best price and policy to meet your individual needs. Just take a moment to complete the " MOBILE HOME QUICK QUOTE" request form. You will receive a personalized standard MOBILE HOME QUOTE to compare rates and coverages with your present carrier.

Helpful questions and guidelines to consider before you complete the form.

1. How much coverage do I need?
   Dwelling coverage should be enough to cover the cost to rebuild or replace your mobile home, not the current market value of your mobile home. The following table can assist you in determining the approximate replacement value of your mobile home:
   
   Formula:
   (Sq.ft. of mobile home) X (Construction cost per sq.ft.) = Dwelling Amt.
   
   Cost Factors for mobile homes:
   If built before 1969, use $45.00 per square foot
   If built after 1969, use $50.00 per square foot
   
   Also, if a real estate appraisal has been done within the last three years, the cost to replace your mobile home can be found in the Valuation Section of the report.


2. How much liability coverage do I need?
   Liability coverage protects you from the claims and lawsuits brought against you for damage of bodily and property damage caused by an occurrence where coverage applies. Deciding upon the level of coverage depends upon your individual needs and certain factors including the value of your assets and the amount of coverage you can afford. Approximate cost is $25 per year per $100,000 increase in coverage.


3. What deductible amount should I have?
   A deductible is the amount you are responsible for paying before each covered claim is paid by the insurance carrier. Deductibles can come in different dollar amounts, or percentages of your dwelling coverage. In California most mobile home policies have Standard deductibles of $250, $500, or $1000. Approximately a 10-15% savings per increase in deductible.