{"id":4774,"date":"2023-03-14T22:27:00","date_gmt":"2023-03-14T22:27:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?page_id=4774"},"modified":"2023-03-15T22:18:20","modified_gmt":"2023-03-15T22:18:20","slug":"mobile-home-insurance-faq","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/mobile-home-insurance\/mobile-home-insurance-faq\/","title":{"rendered":"Mobile or Manufactured Home Insurance in CA FAQ"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/atv-insurance\/atv-insurance-faq\/\" aria-current=\"page\">ATV Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/boat-insurance\/boat-insurance-faq\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/car-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/classic-car-insurance\/classic-car-insurance-faq\/\" aria-current=\"page\">Classic Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/commercial-auto-insurance\/commercial-auto-insurance-faq\/\" aria-current=\"page\">Commercial Auto Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/dental-insurance\/dental-insurance-faq\/\" aria-current=\"page\">Dental Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/health-insurance\/health-insurance-faq\/\" aria-current=\"page\">Health Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/landlord-insurance\/landlord-insurance-faq\/\" aria-current=\"page\">Landlord Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/mexican-car-insurance\/mexican-car-insurance-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/mobile-home-insurance\/mobile-home-insurance-faq\/\" aria-current=\"page\">Mobile Home Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/pet-health-and-discount-services\/pet-health-and-discount-services-faq\/\" aria-current=\"page\">Pet Discount and Health Services<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/rideshare-insurance\/rideshare-insurance-faq\/\" aria-current=\"page\">Rideshare Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/roadside-assistance\/roadside-assistance-faq\/\" aria-current=\"page\">Roadside Assistance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/snowmobile-insurance\/snowmobile-insurance-faq\/\" aria-current=\"page\">Snowmobile Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/sr-22-insurance\/sr22-answers\/\" aria-current=\"page\">SR-22<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/telemedicine\/telemedicine-faq\/\" aria-current=\"page\">Telemedicine<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/travel-club-hospital-indemnity\/travel-club-hospital-indemnity-faq\/\" aria-current=\"page\">Travel Club Hospital Indemnity<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_87e88e660377b542f82ddc98dbf8ecb2\">\n                    <h1 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"Mobile house icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/color-icon-trailer-house.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                Mobile or Manufactured Home Insurance in CA \n                    <\/h1>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">Can I Add Additional Coverage to My Mobile or Manufactured Home Insurance in California?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">My Mobile Home is Not My Primary Residence in CA. Can I Still Insure it Under HO7?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">What If I Use My California Mobile Home as a Rental?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question4\">Is My CA Mobile Home Covered for Flooding?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question5\">My Manufactred Home in California Needs Repairs. Can I Still Get Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                        <h4 class=\"c-faqs-answers__title\"><\/h4>\n                                        \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">Can I Add Additional Coverage to My Mobile or Manufactured Home Insurance in California?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>In most cases, yes you can. Insurance companies typically offer additional coverage that you can add to your <span style=\"white-space:nowrap;\">HO-7<\/span> policy for extra protection, such as for expensive jewelry or art. However, in some instances, you may need to purchase a totally separate policy in addition to or instead of an <span style=\"white-space:nowrap;\">HO-7<\/span> policy.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">My Mobile Home is Not My Primary Residence in CA. Can I Still Insure it Under HO7?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>No. Most insurance companies will want you to take a different policy that typically costs more to insure a <span style=\"white-space:nowrap;\">part-time<\/span> home or vacation home. Because these homes are vacant through part of the year, they are riskier to insure. Homes that are unoccupied for extended periods of time are more likely to be burgled or suffer sustained damage, like from a burst pipe or fire.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">What If I Use My California Mobile Home as a Rental?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>If you rent out your mobile home, your insurance company may require you to add <span style=\"white-space:nowrap;\">short-term<\/span> rental coverage to your <span style=\"white-space:nowrap;\">HO-7<\/span> policy. If you rent your mobile home out on a <span style=\"white-space:nowrap;\">full-time<\/span> basis, you\u2019ll need a landlord insurance policy instead, which is a policy designed for homeowners who rent out their property as a source of income.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question4\">Is My CA Mobile Home Covered for Flooding?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Your mobile or manufactured home insurance policy won\u2019t cover flooding. If you live in an area that is prone to flooding, you should consider purchasing flood insurance, a separate policy that insures your mobile or manufactured home against flood damage. Most flood insurance policies are administered through the NFIP (National Flood Insurance Program) and can be bought through the same insurance company that insures your mobile home. You can also buy flood insurance through the private marketplace.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question5\">My Manufactred Home in California Needs Repairs. Can I Still Get Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>It will depend on exactly how much repair work is needed. If your mobile or manufactured home is basically unlivable, then you probably will not be able to get home insurance until it is repaired.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":4765,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/template-faq.php","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4774"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/comments?post=4774"}],"version-history":[{"count":4,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4774\/revisions"}],"predecessor-version":[{"id":4816,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4774\/revisions\/4816"}],"up":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4765"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/media?parent=4774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}