There are two different types of homeowner's insurance for a mobile home in California.
One is replacement cost insurance.
This is often viewed as the best choice as it affords the claimant the right to receive the replacement value of their manufactured home should it become too damaged for repair, or in the event that it is destroyed.
The other type is a cash value policy.
This is usually not recommended and it results in the homeowner only being able to recover the cash value of their home less the deductible that they would be responsible and also less the depreciation of the unit.
For someone who has had their home for several years this can result in a much lower settlement than someone with a replacement cost policy.
Although some people may think it prudent to forego coverage completely in an effort to save money, this isn't a good idea.
Not only will you not be able to claim anything should your manufactured home be damaged due to a wind storm or hail, but if you are robbed you will be out of luck as well.
The cost of the insurance is actually comparable to what you'd expect to pay in a traditional home.
When you are shopping for mobile home insurance in California seek out quotes from several different insurance companies.
A good starting point is often the company that already handles your other insurance needs.
For instance, if you have your automobile insurance with a company, inquire about the possibility of mobile home insurance with them.
You'll likely find their rate to be quite reasonable and you may even be offered a discount rate on your other insurance needs as well.
Generally the more types of insurance you have with one company, the lower the overall cost.