Manufactured Housing Insurance Services®

Manufactured Home Insurance in California

Coverage built for California's wildfire zones, earthquake faults, and tightening insurance market

California is home to one of the largest manufactured and mobile home populations in the country, with communities stretching from the Coachella Valley to the Central Valley and up into the Sierra foothills. Whether your home sits in a coastal park, a 55+ community in the desert, or on private land in wildfire country, finding the right insurance coverage means accounting for risks and regulations that look very different from neighboring states. Our agents specialize in matching California mobile home owners with carriers that understand the state's unique landscape — both literal and regulatory.

Are you looking to buy Manufactured Home Insurance for your Manufactured, Modular, or Mobile Home in California? 

Manufactured Housing Insurance Services (MHIS) is the best choice for your mobile home insurance needs. We've been in business serving the manufactured home insurance community for over 40 years. If you are looking for mobile home insurance near me, please give us a call, toll-free at 866-644-7111, or use our fast quote form, and we will contact you with the lowest mobile home insurance costs.

Let's get started! Please enter your Name and click "Start Quote"

MHIS exclusively provides manufactured housing insurance. Mobile Home Insurance, Modular Home Insurance, and Manufactured Home Insurance are all areas we specialize in. By focusing on manufactured homes, we have a better understanding of this specific industry and a greater understanding of your needs.

Mobile Home Insurance Risks in California

Few states present the breadth of natural hazards that California does, and mobile homes are often more exposed to them than traditional construction. Wildfire is the headline risk, particularly for homes in or near wildland-urban interface zones in counties like Riverside, San Bernardino, El Dorado, and Sonoma; many standard carriers have pulled back from these areas, making specialty coverage essential. Earthquake exposure runs along the San Andreas, Hayward, and San Jacinto fault systems, and because mobile homes can shift off their piers during seismic events, earthquake coverage and proper anchoring deserve serious attention. Flood and mudslide risk tends to spike after wildfire seasons when burn-scar runoff hits foothill communities, and high winds in mountain passes and coastal corridors can cause roof and skirting damage that standard policies sometimes underpay.

Mobile Home Insurance Regulations in California

California regulates mobile home insurance through the California Department of Insurance, while manufactured housing rules — administered by the Department of Housing and Community Development (HCD) — set installation, anchoring, and tie-down standards that directly affect insurability. The state's FAIR Plan serves as the insurer of last resort for homeowners in high-wildfire-risk areas who can't secure coverage on the standard market, though FAIR Plan policies are typically narrower in scope and often need to be paired with a "difference in conditions" wrap policy for full protection. California also has specific consumer protections around non-renewal notices in declared disaster areas, which can give homeowners breathing room after a major fire season.

The California Mobile Home Insurance Market

The California mobile home insurance market has tightened considerably in recent years as several major carriers have reduced their wildfire exposure or paused new policies in high-risk ZIP codes. That makes carrier selection more consequential here than in most states — the right coverage often comes from regional or specialty mobile home insurers rather than national brands. Homes in low-risk areas (urban parks far from wildland, well-maintained 55+ communities) generally still have multiple competitive options, while homes in foothill or rural settings benefit from working with an agent who can navigate both the standard and surplus lines markets.

Reputable

  • Specialists - Unlike other insurance services, MHIS deals exclusively with manufactured / mobile home insurance.
  • Top Rated - We've partnered with American Modern Insurance Group and American Bankers Insurance Company (Both rated A or better by A.M. Best)
  • Excellent Claim Service - We work with Claim Adjusters in California, all specially trained to handle claims quickly and fairly. Knowledge of California is what makes our "personal service" the best in the industry.

Responsive

  • Fastest Service Around - Our experienced, friendly staff provides instant quotes, binders, and policies, and we can fax or email everything you need immediately.
  • Satisfied Customers - We offer reasonable, competitive mobile home insurance rates (sometimes referred to as cheap mobile home insurance) in California, and our fast, personalized service keeps our customers happy.

Reliable

  • There When You Need Us - We have extended hours Monday-Friday. We don't have official weekend hours, but, in most cases, we are still available to assist.
  • Comprehensive Coverage - All of our policies provide Comprehensive Coverage so you can rest easy knowing you're covered.
  • Policies with Personal Service - We'll analyze your insurance needs and recommend any optional coverages that may be needed. Mobile home insurance is our specialty, and we are confident you will be happy you bought your mobile home insurance from us.

Buying home insurance is more than just finding cheap homeowners insurance in California. Let our trained professionals show you how cheap mobile home insurance can still be high-quality home insurance. When it comes time to place a claim, you need to be sure that you are covered, and your claim will be processed efficiently and accurately. This is why MHIS is the best choice for mobile home insurance; we guarantee that you will be satisfied with our service.


What is the difference between Manufactured Homes, Mobile Homes and Modular Homes?

Mobile Homes, Manufactured Homes or Trailer Homes is a classic naming convention for homes made off-site, and then delivered to their intended location.

Does it matter when you are looking for an Insurance Quote?

Lets first understand the difference in terms used for Manufactured Homes so we can better understand which one we are looking to insure.

TL;DR: Modular Homes do use a different type of policy than Manufactured Homes.

Manufactured Homes and Mobile Homes

This term is effectively interchangeable as both share the same basic construction features;

  • Factory-built
  • Delivered to its final location
  • Built on a sturdy frame often made of steel I-beams
  • May come with the means to affix to a permanent foundation

But the key difference between Mobile and Manufactured Homes is based on its manufactured date. Mobile homes have assembly dates prior to June 15, 1976. All similar homes built after June 15, 1976, are labeled as Manufactured Homes. Manufactured Homes and Trailer Homes also have a serial number.


Modular Homes

Modular Homes are similar to homes built on-site. There is no tag / serial number, and they do not need to be renewed annually. Modular homes are often delivered in sections. In many cases, Modular homes look more like traditional stick-built homes. Modular homes also use standard homeowner insurance policies.

Please contact us for your free no-obligation quote or if you have any questions regarding Insurance for your home in California.