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We Provide Earthquake Insurance for Californians

For Agents: Mobilehome Coverages & Deductibles

Many Californians believe their mobilehome owners policies cover earthquake damage. But as you know, most residential policies don't cover earthquakes. Without an earthquake policy in place, your customers would have to pay for all earthquake-related damages on their own; such as:

  • Repairing and rebuilding their home
  • Replacing their personal property
  • Paying additional living expenses to live elsewhere if they can't live in their home due to earthquake damage

California Earthquake Authority (CEA) offers more coverage choices and more deductible options with two policies:

  • Homeowners Choice
  • Standard Homeowners

Each policy has multiple coverage levels and deductibles so your customers can choose which coverages they need and want to pay for.

CEA Mobilehome Coverages & Deductibles 

Coverages
Standard Homeowners
Homeowners Choice
Mobilehome
(dwelling)
Included
Included
Dwelling (and extensions to dwelling) covers your customer's mobilehome’s structure as well as any attached extensions such as an extra room or garage.
Coverage Limit
Same as the companion residential property policy
Same as the companion residential property policy
Your customer's mobilehome is covered up to the mobilehome’s insured value on their fire or residential policy. For example, if your customer's primary residence's insured value is $150,000, their earthquake insurance will cover the residence for the same amount.
Deductible
5% - 25%
5% - 25%

Your customer's deductible options are 5, 10, 15, 20 and 25 percent of their Dwelling (mobilehome) coverage.

Example: If their mobilehome is insured for $150,000 with a 5 percent deductible ($7,500), and an earthquake causes $50,000 in covered damage, their claim payment would be $42,500 (the difference between covered damage and their deductible).

Your customer does not have to pay the deductible out of pocket to receive a claim payment, it is simply subtracted from their total claim payment.

Personal Property
(belongings)
Included
Optional
Personal Property covers damage to your customer's belongings, like TVs and furniture.
Coverage Limit
Up to $200,000
Up to $200,000
Your customer can cover their personal property for $5,000, $25,000, $50,000, $75,000, $100,000, $150,000 or $200,000.
Deductible
The standard Homeowners policy includes Personal Property coverage, and it is paid up to your customer's selected limit when their Dwelling deductible is met.
Personal Property is an optional coverage with Homeowners Choice policies.

With a Homeowners Choice policy, your customer can choose a 5, 10, 15, 20 or 25 percent deductible for personal property coverage. This deductible is separate from their dwelling deductible,which may allow them to receive a personal property claim payment even if their house is not badly damaged. And, if the Dwelling deductible is met, the personal property deductible is waived.

Example: With a Homeowners Choice policy, let’s say your customer's mobilehome is insured for $150,000 and they have a 5 percent dwelling deductible ($7,500). They also have their personal property covered for $75,000 with a 10 percent deductible ($7,500). A moderate earthquake strikes and causes $5,000 damage to your customer's mobilehome, but causes $57,500 in personal property damage. Although their dwelling deductible wasn’t met, the separate-deductible feature for personal property allows them to receive a payment of $50,000 for personal property! This payment is the difference between the covered damage to their personal property ($57,500) minus the deductible ($7,500).

Loss of Use
(additional living expenses if your customer has to live elsewhere following an earthquake)
Included
Optional
If your customer needs to live and eat elsewhere after an earthquake (either because of earthquake damage or a civil authority prevents entry), Loss of Use can cover their expenses that are greater than what they normally would spend on housing and other living expenses. Loss of Use is an optional coverage with Homeowners Choice policies.
Coverage Limit
Up to $100,000
Up to $100,000
Loss of Use is available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits.
Deductible
None
None
There is never a deductible for Loss of Use. Even if your customer's dwelling deductible isn’t met, Loss of Use will cover additional living expenses if they have to live elsewhere following an earthquake, up to their chosen limit.
Building Code Upgrade
(costs to bring your customer's mobilehome up to current building code standards while making covered repairs)
Included
Included
If your customer's house suffers earthquake damage, Building Code Upgrade coverage can cover the costs to bring their house to current building code standards during covered repairs.
Coverage Limit
$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
Building Code Upgrade is paid after your customer's dwelling deductible is met
Building Code upgrade is paid after your customer's dwelling deductible is met

Once your customer's covered damage exceeds their Dwelling deductible, they could be eligible for payment for Building Code Upgrades, up to the chosen limit, to bring their mobilehome up to current building code standards.

Example: If your customer's mobilehome is insured for $150,000 with a 20 percent deductible ($30,000), and an earthquake strikes causing $60,000 in damage, they will be covered up to $10,000 to bring their home up to current building code standards.

Emergency Repairs
Included
Included
Emergency Repairs covers immediate repairs needed after an earthquake that are necessary to protect your customer's mobilehome from further damage, such as to repair broken windows or remove broken glass.
Coverage Limit
Up to 5% of homeowners and Personal Property limit
Up to 5% of homeowners and Personal Property limit
If your customer's house is insured for $200,000 and an earthquake strikes causing $80,000 in damage, they have up to 5 percent ($10,000) 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 percent of your customer's dwelling and 5 percent of their personal property limit. The first $1,500 is not subject to the deductible.
Breakables
Optional
Optional
Breakables coverage is an optional coverage that covers breakable belongings like dishes and ceramics.