Mobile Home Insurance
California Insurance Specialists provides competitive insurance for your valued assets by representing many top-ranked National and Regional insurance companies, which allows us to obtain the best price and policy to meet your individual needs. Just take a moment to complete the "MOBILE HOME QUOTE REQUEST" request form. We will email and mail you a quotation within 2 business days.
Mobile Home Quote Request
Helpful questions and guidelines to consider before you complete the form.
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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 ($62.00) = Dwelling Amt.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.
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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.
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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.
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