Modular Home Insurance in California

What We Offer

Modular Home Insurance in California

Protecting your modular home isn’t just smart—it’s essential. We understand that modular homes come with unique benefits and risks. That’s why we offer specialized modular home insurance coverage tailored to meet your needs. Whether your modular home is your primary residence, a vacation retreat, or a rental property, our customized policies provide robust protection against fire, theft, weather damage, and personal liability. Backed by years of industry expertise, we help you safeguard not just your property, but your financial future too.

Homeowners Insurance

What is Modular Home Insurance?

Modular home insurance is a specific type of homeowners policy designed for factory-built homes that are assembled on-site. Unlike mobile or manufactured homes, modular homes are built to the same standards as site-built homes—but they still face distinct risks that require tailored protection.

A standard policy typically includes:

Dwelling coverage for the structure itself
Personal property protection for your belongings
Liability coverage for accidents or injuries on your property
Additional living expenses if you’re displaced due to a covered loss

Why You Need It

While modular homes are built to code, they may still be more susceptible to certain weather conditions or construction risks. Regular homeowner insurance may not fully address these nuances.

With Western Insurance, you get coverage that aligns with:

California state regulations
Construction and assembly risks
Natural disasters like wildfires, earthquakes, and floods
Personal liability unique to modular home ownership

Our policies also integrate options for General Liability Insurance—especially beneficial if you rent out your property or use it for business purposes.

Who Should Consider Modular Home Insurance?

Homeowners of modular residences
Investors renting modular properties
Seasonal or vacation homeowners
First-time buyers of prefabricated homes

Whether your modular home is in a city, rural area, or coastal location, we help you find the right coverage at the right price.

Why Choose Us?

At Homeowners insurance, we don't believe in one-size-fits-all solutions. Our agents take the time to understand your needs and guide you to the right mix of protection, price, and peace of mind.