Mobile homes are great alternatives to traditional homes in California, helping you to save money on housing while still having a wonderful place to live. Just like with standard homes, it is smart to protect your investment in your mobile home with insurance. Mobile home insurance functions similarly to homeowner insurance, protecting you financially so you can experience greater peace of mind. Here's what you need to know. 

Common Mobile Home Insurance Components 

Your mobile home insurance plan in California will likely include the following coverage types: 

• Liability - Liability coverage protects you if someone is injured while in your California mobile home. Whether it is someone you invited or someone who stopped by unexpectedly, your coverage can help pay their medical bills and legal fees should they choose to file a lawsuit against you. 
• Structure - This coverage applies to your mobile home itself, as well as any additional structures, like a storage shed. If you financed the purchase of your mobile home, your lender will likely require you to have this coverage with a limit sufficient to cover full replacement of the home if needed in an emergency. 
• Personal Property - If you wish to protect your belongings, including furniture, electronics, appliances and personal items, you'll need personal property coverage, as structure coverage only applies to the mobile home itself. In calculating the coverage limit you need, think about the replacement cost of all your items, not their current value. 

It is always a good idea to get as much coverage as possible, assuming it fits within your budget. The higher your coverage limits, the better protected you will be financially in an emergency situation. 

In addition to the typical coverage components listed above, you may also want to include loss-of-use coverage to help you pay for alternative housing if your mobile home needs repairs after a disaster. High-value items, like jewelry, musical instruments, art and other valuables, may need additional coverage as well, as they may not be covered under your standard personal property protection. 

Protect Your Mobile Home in California 

If you need assistance with mobile home insurance in California, reach out to PolicyNow Insurance Services. We'll develop an insurance plan for you that will protect you and your mobile home. Call 800-422-1251 today to get started. 

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