Manufactured homes are a big part of the housing picture across the San Gorgonio Pass, from mobilehome parks in Banning to homes on private lots near Cabazon and Cherry Valley. Insuring one works a little differently than insuring a traditional house.

Your Manufactured Home Questions, Answered

Is a manufactured home insured the same way as a house?

Not always. Many insurers use a manufactured home policy rather than a standard homeowners form. These policies can cover the home, other structures, personal property, and liability, but settlement terms and options can differ, especially for older homes.

Does the age of the home matter?

Yes. Homes built after June 15, 1976 follow the federal HUD Code and carry a certification label. Many insurers limit or decline coverage for older mobile homes built before that standard, and some settle claims on older homes at actual cash value rather than replacement cost.

How does California title affect things?

In California, many manufactured homes are registered with the Department of Housing and Community Development, much like a vehicle. Homes permanently installed on a foundation and converted to real property are treated more like traditional houses. That status can affect how lenders and insurers view the home.

What about earthquakes and wind?

Standard policies exclude earthquake damage, though earthquake coverage for mobilehomes is available, including through the California Earthquake Authority. Proper tie-downs, bracing, and skirting also matter in the windy Pass.

Park Space vs. Your Own Land

Situation	What to Keep in Mind
Home in a mobilehome park	You generally insure the home and belongings, while the park handles common areas. Review your rental agreement for any insurance requirements.
Home on land you own	You’re responsible for the home, the lot, and structures like carports, sheds, and fences.

Items Often Overlooked

• Carports, awnings, and added porches
• Additions built after the home was installed

Our post on burglary coverage covers another question. Little & Sons Insurance Services in Banning, CA can compare manufactured home options with you. Policy terms vary. Residents across Banning, CA and the Pass can reach out to Little & Sons Insurance Services anytime.