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CEA Mobilehome Owners and Manufactured Homeowners Policy Coverages & Deductibles


You might be surprised to discover how flexible and budget-friendly earthquake insurance can be. CEA offers a variety of coverage choices and deductible options for your customers.

CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.

Use the CEA premium calculator to help your customer get an insurance cost estimate.

Coverage options for mobilehome owners and manufactured homeowners*

Our earthquake insurance allows your customer to choose between two policies – either purchase all of their coverages together under one deductible, or choose to have separate deductibles for the dwelling and personal property. With many coverage limits and deductibles to choose from, you can help your customer find a policy to fit their needs and budget.

Coverages Standard Homeowners Homeowners Choice Additional Information
Mobilehome (dwelling) Included Included Covers earthquake damage to your customer's home and certain structures attached to it.
Coverage Limits Same as your customer's mobilehome owners insurance policy Same as your customer's mobilehome owners insurance policy

Your customer's mobilehome is covered up to the Dwelling’s insured value on their mobilehome owners insurance policy. For example, if your customer's mobilehome insured value is $200,000, their earthquake insurance coverage will be the same amount.
Deductible 5%-25% 5%-25%

Deductible options are 5%, 10%, 15%, 20% and 25% of your customer's Dwelling coverage. According to upcoming policy options changes mobilehomes with a Coverage A limit over $1 million can only select deductibles of 15%, 20%, or 25%.

Claim-payment example:

  • If your customer's mobilehome is insured for $150,000, and
  • They have purchased a 5% ($7,500) deductible, and
  • An earthquake causes $50,000 in covered damage, then
  • Their claim payment would be $42,500 (their covered loss, less their deductible, up to the limit purchased).
Personal Property Included Optional Covers damage to your customer's belongings, such as TVs and furniture.
Coverage Limits Up to $25,000 Up to $25,000

Available in limits of $5,000 or $25,000.
Deductible Included under the Dwelling deductible 5%-25%

The Homeowners Choice policy offers deductibles of 5%-25%.



This deductible is separate from the dwelling deductible, which may allow your customer to receive a personal property claim payment even if they don’t meet the dwelling deductible. And, if the dwelling deductible is met, the personal property deductible is waived.

Homeowners Choice claim-payment example:

  • If your customer's mobilehome (dwelling) is insured for $150,000 with a 10% deductible ($15,000), and
  • They have personal property covered for $25,000 with a 5% deductible ($1,250), and
  • An earthquake causes damage to the dwelling that is less than the dwelling deductible, but $20,000 in personal property damage, then
  • Although your customer's dwelling deductible is not met, their separate personal property deductible allows them to receive $18,750!
    • This payment is the difference between the covered damage to personal property ($20,000), less the deductible ($1,250).
Loss of Use Included Optional

Covers additional living expenses if your customer needs to live and eat elsewhere because earthquake damage or a civil authority prevents them from residing in their home. If the mobilehome is held for rent, loss of use, (fair rental value) is covered.
Coverage Limits Up to $100,000 Up to $100,000 Available in limits of $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000.
Deductible None None There is never a deductible for Loss of Use.
Building Code Upgrade    

Local authorities require that rebuilding or significant repair work be performed in a manner consistent with current building codes (not the codes that were in effect when the property was built). This coverage helps pay expenses associated with code-compliant rebuilding or repairs.
Coverage Limits $10,000 included, $20,000 and $30,000 optional $10,000 included, $20,000 and $30,000 optional

All mobilehome owners policies include $10,000 in building code upgrade coverage. Your customer can also choose to raise the coverage to $20,000 or $30,000.
Deductible Paid after the dwelling deductible is met Paid after the dwelling deductible is met

Once your customer's covered damage exceeds the Dwelling deductible, they could be eligible for payment for Building Code Upgrades, up to their chosen limit.
Emergency Repairs Included Included

Covers earthquake-damage repairs that are needed to protect your customer's mobilehome or personal property from further damage (examples: repair broken windows or remove broken glass).
Coverage Limits Up to 5% of homeowners and Personal Property limit Up to 5% of homeowners and Personal Property limit

For example, if your customer's mobilehome is insured for $100,000 and an earthquake strikes causing $80,000 in damage, they have up to 5% ($5,000) in Emergency Repairs coverage to make their mobilehome safe to live in.
Deductible First $1,500 has no deductible First $1,500 has no deductible

Emergency Repairs provide coverage up to 5% of dwelling and 5% of the personal property limit. The first $1,500 is not subject to the deductible.
Breakables    

Within policy terms, covers glassware, crystal, china, 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.

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.