Mobile Home Earthquake Insurance in California
CEA's mobilehome program, premium drivers, and deductible choices.
Standard mobile and manufactured home policies generally exclude earthquake shaking. The California Earthquake Authority's dedicated mobilehome program is sold through participating residential insurers and covers the home plus certain attached structures such as a garage.
How much does earthquake insurance cost for a mobile home?
No statewide average is useful: the premium follows the home's location, age, construction, limits, and deductible (5%–25%), and approved earthquake-resistant bracing or foundation systems earn a discount. CEA's premium calculator returns an address-specific figure; compare quotes at the same deductible.
Coverage choices in the CEA mobilehome program
CEA offers a combined policy sharing one deductible, or Homeowners Choice with separate dwelling and personal-property deductibles and a dwelling-only option; loss of use pays additional living costs when covered damage prevents occupancy.
Does mobile home insurance cover earthquakes in California?
Standard policies generally exclude shaking; a separate CEA mobilehome policy through a participating insurer covers it.
What deductibles does CEA offer for mobile homes?
5% through 25%, combined or split via Homeowners Choice; approved bracing systems can earn a discount.
General information, not an offer of coverage — see the [earthquake insurance guide](/p/earthquake-insurance-california) for the full picture. Checked August 27, 2026.