Is your customer’s mobilehome or manufactured home ready for the next earthquake?
CEA earthquake insurance policies provide your customers with the strength they need to recover from a damaging earthquake.
Talk to your customer about the CEA earthquake-coverage options that fit their needs and budget. And use our premium calculator to help get them a quick earthquake insurance price estimate.
Did you know?
A mobilehome policy doesn’t cover earthquake damage.
A CEA earthquake insurance policy can help pay for damages to your customer’s house or belongings.
CEA mobilehome and manufactured homeowners coverage options*
Home (dwelling)**
Can be purchased alone or with other coverages. Covers earthquake damage to your customer's home and certain structures attached to it, such as an attached garage.
Personal Property**
Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.
Loss of Use
A necessity for additional living expenses if your customer must live outside their unit because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.
Building Code Upgrade
Rebuilding after an earthquake generally must be done to current building-code standards—this coverage helps with the added costs.
Emergency Repairs
Handy coverage when your customer needs to make urgent, necessary repairs after an earthquake to help protect their house from further damage, such as plywood to board up damaged windows. The first $1,500 has no deductible.
Breakables
This coverage helps replace insureds’ valuable fragile personal property like wedding china, glassware, crystal, ceramic, pottery, porcelain, or marble items that are broken because of an earthquake. Available for new and renewal policies written on or after January 1, 2025.
- Get more details about our mobilehome or manufactured home policy coverages and deductibles.
- Check to see if your customer qualifies for a 21% discount on their CEA earthquake insurance premium.
Ready to sell a CEA policy?
*We encourage you to read the entire CEA policy—and its policy declarations page—to understand coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below.
Learn more by taking a free agent training course. Once you pass, you’ll earn 2 CE credits.
**Reflects policy option changes that went into effect for new policies written on or after August 1, 2023 and for renewals on or after November 1, 2023. These changes include Dwelling Deductible Options (Coverage A), Personal Property Limits (Coverage C), Breakables, and Exterior Masonry Veneer. Learn more about our 2023 Policy Option Changes.
Mobilehome and Manufactured Home FAQs
We've gathered some frequently asked questions from mobilehome owners, manufactured homeowners, and agents to help you understand how a CEA policy can help your customer recover from the next damaging earthquake.
A. Your policyholder's may receive a 21% discount on their CEA earthquake insurance premium if their mobilehome:
- Has been reinforced by an earthquake-resistant bracing system certified by the California Department of Housing and Community Development (HCD), or
- Has been installed on an approved foundation system in accordance with subdivisions (a) or (b) of section 18551 of the California Health and Safety Code.
Learn more about premium discounts for mobilehomes.
A. Use CEA’s premium calculator for agents to help your mobilehome client find a policy that works best for them. You can play around with coverage limits and deductible options, and talk them through their coverage choices (such as all coverages bundled together under one deductible or separated out for our Homeowners Choice policy) to make sure they have the policy that fits their needs.
A. The insured does not have to pay their deductible out of pocket to receive payment on a claim. The deductible is subtracted from their covered damage, so they don’t have to pay any of the deductible up front before receiving their claim payment.
Both standard Homeowners and Homeowners Choice offer deductibles ranging from 5-25%. Upcoming policy options changes will affect deductible options. Deductibles available are 5%, 10%, 15%, 20%, or 25%. For new policies written on or after August 1, 2023 and renewals on or after November 1, 2023, homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type foundation that do not have a verified retrofit, are only eligible for a 15%, 20% or 25% deductible. Learn more about our 2023 Policy Option Changes.
With the standard policy, all of your insured’s coverages are together under one deductible. With Homeowners Choice, they can choose to have separate deductibles for their dwelling and personal property. And if earthquake damage meets the dwelling deductible, the personal property deductible is waived.
A. There are thousands of known faults in California, and scientists continue to discover new ones. Since earthquakes can happen anywhere in California, damage to your client’s home and personal property is always possible. Check to see earthquake risk near you and your client and help them take steps to get prepared, which includes purchasing the best earthquake policy to meet their needs and budget.
- Get more details about our mobilehome or manufactured home policy coverages and deductibles.
- Check to see if your customer qualifies for a 21% discount on their CEA earthquake insurance premium.
Ready to sell a CEA policy?
*We encourage you to read the entire CEA policy—and its policy declarations page—to understand coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below.
Learn more by taking a free agent training course. Once you pass, you’ll earn 2 CE credits.
**