Mobile & Manufactured Home Insurance
Insurance policies designed to meet Mobile and Manufactured home requirements.
Mobile and Manufactured home insurance is similar in coverage to that of regular Home insurance policy. The greatest difference is we can provide you with either a Replacement Cost policy which provides you with a "like" mobile home should you suffer a total loss or an Actual Cash Value policy which factors in depreciation. Mobile and Manufactured home insurance may include coverage for:
Parts, accessories, and equipment that are built into or attached to the dwelling and form a permanent part of its structure. Losses protected against are Fire, Lightning, Windstorm, Hail, Explosion, Aircraft, Vandalism or Malicious Mischief, Falling objects, Accidental discharge or overflow of water.
Structures connected to the dwelling by only a fence utility line or similar connection.
Property owned or used by an insured person while on the residence premises. Money, bank notes, deeds, securities, letters of credit, passports, bullion, metals and precious metals are not included (may, however, be endorsed).
Additional Living Expenses
Pays for your living expenses incurred by you should you have to live elsewhere while your home is being repaired.
If a claim is made or a suit is brought against any insured person for damages because of bodily injury or property damage, caused by an occurrence, located on the property.
Medical Payments to Others
Medical Payments to Others – (Drop Down) Medical expenses means reasonable charges for medical, surgical, X-Ray, dental ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents but only to those who are on the insured’s location with their permission.
We represent five out of the six mobile home carriers in California. Whether you have a single-wide, double-wide, triple-wide or two story modular we have the ability to match your specific needs to the carrier that would cover you best. In addition, we can integrate earthquake coverage into your policy eliminating the need to find an additional policy to cover this peril.
Get The Right Policy
We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.
We Can Help
We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Santa Barbara Resident
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident