Cheap Mobile Home Insurance Quotes California

Known as the Golden State, California has everything. From gorgeous beaches, giant Redwood forest, enormous mountain ranges, picturesque desert, diversity of culture, superb weather, and of course, the glitz and glamor of Hollywood. As one of the biggest and most populous states in the country, California has a lot to offer. This is why millions of people move to this state to jumpstart their careers, start a family, or simply find new adventures in life.

However, California is not a cheap place to live. In most cities, real estate and rental properties can be ridiculously expensive. This is why more people are opting for modular or mobile homes when moving to the state. If you want to live in a modular or mobile home in California, then you should know the importance of getting mobile home insurance.

Most mobile home insurance in California covers wide range of items, such as:

• Dwelling insurance - to protect your mobile home, including roof, ceilings, floors, electrical and plumbing system, etc.
• Personal property coverage - to protect your personal items inside your property, such as electronics, furniture, and clothing. Most insurance companies also offer protection for jewelry, sports memorabilia, musical instruments, or other expensive items.
• Liability insurance coverage - to protect you from medical expenses caused by accidents resulting to someone else's injury within your property. This can also provide financial support if you get sued.

What is the Average Cost of Mobile Home Insurance in California?

The insurance premium rates range from $500 to $1,100 annually. Obviously, there are many factors that dictate the average rates of insurance premiums, such as location, age of the mobile home, limits and coverage options you choose, your claims history, and your deductibles.

Most companies also offer discounts if you install home security system and smoke alarms. You can get more discounts or save on cheap insurance if you bundle it with your other policies, such as your auto insurance.

Earthquake Insurance for Mobile Homes in California

Unlike other natural calamities, earthquakes are unpredictable, making them more devastating. Since the state is one of the most earthquake-prone regions in the country, getting earthquake coverage in your mobile home insurance is an absolute must. While you are not required by law to get it, it is an essential expense that will help protect your finances should unfortunate event occur.

Take this type of insurance into account when you compare various insurance quotes online. If not included in your coverage, make sure to purchase it separately.