Additionally, ask about discounts and look for ways to make your home safer. Many insurers offer reduced rates based on credit history, claims-free records, long-term customer loyalty, senior or retiree status, or memberships such as AARP. You may also qualify for discounts by adding safety and security features like smoke detectors, fire extinguishers, deadbolt locks, security systems or wind-resistant upgrades.
Be aware, California has enacted a new law (signed Oct 2025), to allow manufactured homeowners access to full replacement cost insurance through the California FAIR Plan (cfp.net). It now ensures that manufactured owners who can’t find private insurance get the same last-resort options as other homeowners, making the FAIR Plan more equitable for mobile homeowners. While saving money is important, remember that the lowest-priced policy isn’t always the best choice – adequate protection tailored to your home and lifestyle should always be the priority.
Source: Insurance.com
