Mobile Home Insurance in California-Protection Built for Your Needs

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Specialized Coverage for Manufactured and Mobile Homes

Insuring a mobile or manufactured home is different from insuring a traditional house. These homes face unique risks-wind, movement, park-specific rules, and often aren't attached to land. Many big-name insurers overlook these differences, but Shaver Insurance specializes in mobile home coverage for Fontana, San Bernardino, Hesperia, and the entire Inland Empire. Whether your home is new, vintage, in a park, or on private land, we know how to protect it right.

What Does a Mobile Home Insurance Policy Cover?

Dwelling Coverage

Protects the physical structure of your mobile home-including attached decks, carports, and sheds-from fire, wind, theft, and more.

Personal Property

Covers your belongings inside the home against covered losses.

Personal Liability

Protects you if someone is injured on your property or if you accidentally cause damage to others.

Trip Collision Coverage

Safeguards your home if it's ever transported.

Custom Add-ons

Options for replacement cost vs. actual cash value, coverage for awnings, flood and earthquake insurance, and more.

Unlike standard homeowners insurance, mobile home policies are built to address the unique needs of manufactured housing-including how age, make, and location impact coverage.

Serving Park Residents Across the Inland Empire

If you live in a mobile home park, you need an agent who understands community requirements and will make things easy. Shaver Insurance is one of the few agencies that will visit your park for consultations or policy signings. We work with top insurers specializing in manufactured homes (like American Modern and Foremost), making sure you're eligible even for older units or homes in high-risk areas. Our clients include residents in Fontana, San Bernardino, Highland, Colton, Rancho Cucamonga, Hesperia, and beyond-so we know the lay of the land and how to meet every park's standards.

Affordable Policies, No Surprises

Mobile home insurance is usually budget-friendly. For example, a single-wide home might be insured for $30,000 with rates as low as $300 a year (actual cost varies by home and location). Shaver will help you compare options and make sure every coverage fits your needs-without unnecessary extras or hidden fees.

Why Choose Shaver Insurance for Your Mobile Home?

  • Over 40 years' experience insuring manufactured homes in Southern California
  • Local agents who visit mobile home parks for service and support
  • Access to leading mobile home insurers-coverage for new, older, or high-risk homes
  • Annual policy reviews to keep your coverage up to date
  • Help with specialty needs like tie-downs, earthquake, or flood add-ons
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Ready to Get Protected?

Contact Shaver Insurance today for a quick, no-obligation quote. We'll answer all your questions, explain your options, and make sure your mobile home is as protected as any house in California.