Mobile home earthquake insurance
Manufactured homes and mobile homes have distinct earthquake insurance underwriting requirements. Anchoring systems (tie-downs, pier systems), HUD title status, land ownership versus park rental, and age of the unit are all material facts. Some carriers don't write manufactured home earthquake coverage at all; specialty markets accessed through an independent broker are often necessary.
What the Best Earthquake wizard captures
The application documents all the details underwriters look for. Gathering the following before applying produces a stronger submission and faster broker review:
- HUD tag / manufactured home classification and year
- Foundation: permanent pier, tie-down system, or slab
- Land ownership (own vs. park lease) and park name if applicable
- Requested dwelling limit based on replacement cost
- Prior earthquake, structural, or unit damage claims
From indication to bindable options
The Best Earthquake Insurance application gives a preliminary annual range anchored to CDI data, then submits a completed Covwell application to Bollinsure for broker review. A licensed California broker reviews your construction, retrofit, and loss details and shops multiple carrier markets to find the best available terms.
The indication is not a bindable quote — final coverage is subject to underwriting, carrier eligibility, and policy terms. But starting with a strong, complete application gives the broker the best possible foundation for market submission.
Ready to submit?
The 5-step application wizard takes approximately 5–8 minutes to complete. It walks through property and applicant details, coverage terms and deductible selection, construction and foundation type, retrofit and loss history, and a review-and-sign step where you can preview the completed PDF before submitting.
Your completed application is reviewed by a licensed broker who follows up — often the same business day — with market options and next steps.