California Manufactured Home/Mobile Home Insurance Bill Clears Legislature

 Legislation protects owners in case of disaster

Recently, Senate Minority Leader Brian W.Jones (R-SanDiego) announced the passage of his SB 525 to afford manufactured and mobile home owners the ability to acquire full replacement cost insurance policies.

“Mobile home owners should not be treated like second-rate citizens when it comes to protecting their property,” said Jones. A home is a home, and nobody should have to live with the fear that when disaster strikes, they won’t be able to rebuild.”

Currently, no insurance company in California provides full replacement cost coverage for manufactured homes or mobile homes. For standard foundation homes, those who cannot find a private insurance policy are unable to avail themselves of California’s insurer of last resort, the California Fair Plan Association, but for mobile home owners, even the FAIR Plan will not insure them. Senate Bill 525 will finally change that fact.

“There are over 500,000 mobile/manufactured homes in California, and I’m just not comfortable leaving that many people out to dry when the worst happens, said Jones. “This bill finally brings some sense to the mobile home/manufactured home insurance market, and I’m proud of its passage here today.”