Protecting your mobile or manufactured home takes a specialized policy — not a standard homeowners plan. Oakview Insurance Services works with California’s top manufactured home carriers to get you covered right.
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Mobile Homes Require Their Own Policy
Standard homeowners insurance (HO-3) was designed for site-built homes — it does not cover mobile or manufactured homes. You need a policy purpose-built for your type of dwelling.
California distinction: The term “manufactured home” refers to homes built after June 15, 1976, under HUD federal construction standards. Older units are technically “mobile homes.” Either way, both require a specialized form — and we can help you with both.
Oakview Insurance Services works with two of California’s leading carriers for this coverage: Foremost Insurance and American Modern Insurance. We’ll compare options and place you with the best fit for your home, location, and budget.
What Your Policy Can Cover
A well-structured mobile home policy protects far more than just the structure itself.
Dwelling Coverage
Repairs or rebuilds your mobile or manufactured home after a covered loss — fire, windstorm, hail, vandalism, and more.
Other Structures
Covers detached structures on your property — carports, garages, storage sheds, and fencing.
Personal Property
Protects your furniture, appliances, electronics, clothing, and other belongings inside the home.
Additional Living Expenses
If your home is unlivable after a covered claim, this pays for temporary housing and extra costs while repairs are made.
Personal Liability
Covers legal defense and damages if someone is injured on your property or you’re held responsible for property damage.
Trip Coverage
Some policies cover your home while it’s being transported — useful if you’re moving to a new lot or park.
Our Carriers
Foremost Insurance
Foremost has specialized in mobile and manufactured home insurance for decades and is one of the largest writers of this coverage in the country. They offer flexible policy options — including coverage for older homes, park models, and seasonal use — making them a strong fit across a wide range of California homeowners.
American Modern Insurance
American Modern is a specialty carrier with deep expertise in non-standard and manufactured housing. They’re known for competitive pricing, strong claims service, and the ability to cover homes that other carriers pass on — including older units and homes in higher-risk locations across California.
How to Get Started
Getting your mobile home covered is straightforward. Here’s what to expect:
- Tell us about your home. We’ll ask a few basics — the year, make, size, and location of your home, plus any detached structures.
- We shop both carriers. We run your information through Foremost and American Modern and compare coverage options side by side.
- Review your options. We walk you through the proposals, explain the differences, and answer your questions — no pressure.
- Bind and get your policy. Once you choose, we handle the paperwork. You’ll have your policy documents the same day in most cases.
Mobile Home Insurance FAQs
What’s the difference between mobile home and manufactured home insurance?
The terms are often used interchangeably, but technically a “manufactured home” was built after June 15, 1976, under HUD standards, while “mobile home” refers to older units. Both require a specialty policy rather than a standard HO-3 — and we insure both.
Can I insure an older mobile home in California?
Yes. Both Foremost and American Modern work with older homes that many carriers decline. The year and condition of your home affect pricing, but we can usually find a solution even for homes from the 1960s and 70s.
Does mobile home insurance cover me if I live in a mobile home park?
Yes. Your policy covers your home and your personal liability — the park itself has its own coverage for common areas. You’re responsible for your unit, your belongings, and liability for injuries on your property.
Is earthquake or flood coverage included?
No — earthquake and flood are almost always excluded from standard mobile home policies. Earthquake coverage may be available as an add-on, and flood coverage is typically purchased separately through the National Flood Insurance Program (NFIP). Ask us what’s available in your area.
What information do I need to get a quote?
We’ll need the year, make/model, and size of your home, its physical address and whether it’s on a permanent foundation, the coverage amounts you’re looking for, and any prior claims history. Most quotes take less than 15 minutes.
How much does mobile home insurance cost in California?
Premiums vary based on the age and size of your home, your location (wildfire risk, proximity to water), the coverage limits you choose, and your claims history. Call us for a personalized quote — we’re happy to walk you through your options.
Can I bundle my mobile home insurance with auto insurance?
In some cases, yes. Discounts for bundling vary by carrier. When you call us, let us know what other policies you carry and we’ll look for every available discount.
Let’s Get Your Mobile Home Covered
Our Yuba City team is ready to compare Foremost and American Modern and find you the right policy at the right price. No pressure — just honest advice from a local agency that knows California.