The top-rated mobile home insurance agent in Monterey, California is Jim Rinehart - State Farm Insurance Agent, rated 5.0 stars across 281 reviews. Other highly rated options include AAA Monterey Branch, Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance. This directory lists 12 mobile home insurance agents serving Monterey.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jim Rinehart - State Farm Insurance Agent | 2511 Garden Rd Suite C-125 | (831) 393-8500 |
| 2 | AAA Monterey Branch | 53 Soledad Dr | (831) 645-1900 |
| 3 | Farmers Insurance - Jessica Connally | 404 W Franklin St Ste 102 | (831) 424-0829 |
| 4 | Natalie Hungerford: Allstate Insurance | 591 Hartnell St | (831) 642-6400 |
| 5 | Christopher Thom: Allstate Insurance | 201 Calle Del Oaks Ste A | (831) 373-2791 |
| 6 | Chuck Hewett - State Farm Insurance Agent | 9 Soledad Dr C | (831) 372-8006 |
| 7 | Capital Insurance Group | 1 Lower Ragsdale Dr | (877) 200-4220 |
| 8 | Cowell & Smith Insurance Agency | 2250 N Fremont St | (831) 372-5800 |
| 9 | Farmers Insurance - Anthony Parker | 1193 10th St | (831) 648-7090 |
| 10 | HUB International | 401 Fremont St Unit 100 | (831) 373-4925 |
Jim Rinehart - State Farm Insurance Agent serves the Monterey, California area and handles coverage for mobile homes and manufactured housing. It provides protection for the structure, personal belongings, and liability for owners in this coastal region. Policies can address risks like wind and water damage common to this area. Claims assistance is offered to help policyholders through the process after an event. The company also works with clients to adjust coverage limits and deductibles for their individual needs.
AAA Monterey Branch provides comprehensive mobile home insurance services in Monterey, CA, including policy consultations, coverage adjustments, and claims assistance tailored to manufactured and mobile homes. The agency offers routine policy reviews to ensure adequate protection against local risks such as coastal weather and seasonal fire hazards. It serves a range of properties, including single-family mobile homes, mobile home parks, seasonal vacation units, and retail-residential mixed-use properties.
Farmers Insurance - Jessica Connally serves homeowners in Monterey, California, who need specialized mobile home insurance coverage. The agency helps property owners protect their manufactured or mobile homes from local risks, including coastal weather and earthquake exposure typical to the region. Services focus on tailoring policies that address the unique structural and liability needs of mobile home residents. By working with an experienced local agent, clients in Monterey can review coverage options that align with their property’s value and location. The agency also assists homeowners in nearby Seaside.
Serving Monterey and the surrounding Central Coast communities, this agency manages mobile home insurance policies for area homeowners. It handles a range of coverage needs, including protection for manufactured homes against local risks like coastal storms and fire. The agent works directly with each client to review their specific policy options. To complete a typical job, it performs a detailed assessment of the homeowner’s existing coverage gaps and then recommends tailored plan adjustments.
Serving Monterey, mobile home owners face distinct service needs: choosing between one-time assistance, such as obtaining a single policy for a seasonal home, and recurring options that provide ongoing protection each year. Christopher Thom: Allstate Insurance offers mobile home insurance coverage that typically helps safeguard the structure and belongings against common regional perils, from windstorms to theft liability. For local residents, service runs on both a one-time basis for initial policy setup and a regular scheduled renewal cycle to maintain continuous coverage.
After heavy winter storms or coastal fog threatens the Monterey Peninsula, mobile home owners need reliable coverage for high winds and moisture damage. Chuck Hewett - State Farm Insurance Agent in Monterey provides policies that protect mobile homes against such seasonal risks, as well as fire and liability concerns common to manufactured housing. The agency helps residents understand how older mobile homes may require different coverage than site-built houses. An initial assessment of the home’s condition, including its roof and tie-downs, typically begins the process of securing a suitable policy.
Capital Insurance Group provides specialized mobile home insurance policies tailored to the unique construction and risk profiles of manufactured housing in Monterey, CA. Its general service work includes evaluating local wind, seismic, and fire exposure to help owners secure appropriate liability and property coverage for their mobile homes. The company also assists clients in the region with annual reviews of their policies before the start of the peak fog season, when moisture-related decay and slip risks increase significantly.
Cowell & Smith Insurance Agency helps local residents in Monterey, California protect their mobile homes from common coastal risks like wind and moisture damage. The company specializes in offering additional coverage options for personal property and liability. Working as a mobile home insurance agent, it provides necessary protection while tailoring policies to regional needs. Beyond residential services, the agency can also insure risks for commercial sectors such as offices, warehouses, and food service establishments.
Farmers Insurance - Anthony Parker provides residential mobile home insurance services in Monterey, CA, tailored to protect manufactured homes on private land or in parks. Commercial coverage options for mobile home park operators or rental properties are also available to serve the local area. The agency focuses on assessing individual risk factors to ensure adequate policy protection. After policies are issued, agents follow up with clients to review coverage needs between regular service visits, ensuring long-term support for evolving circumstances.
As the rainy season approaches in Monterey, the region's mobile homes often face increased risk of water damage and flooding. HUB International helps local owners secure policies that account for these coastal weather patterns and the specific construction challenges of manufactured housing. Their agents work to clarify coverage limits for structures and personal property, addressing common concerns unique to living in this area. An initial consultation typically begins with a property walkthrough or a detailed phone interview to assess your home's location and condition.
What Does a a Mobile Home Insurance Agent in Monterey Cost?
Mobile home insurance in California typically costs between 300 and 800 dollars per year for a basic policy. Premiums in Monterey may be higher due to coastal exposure and wildfire risk. Factors like age of home location and coverage limits affect the price. This is general information not insurance advice.
About mobile home insurance agents in Monterey
Mobile home insurance agents in Monterey California help owners protect their homes against coastal risks like wind and flooding. California law requires insurers to offer coverage for mobile homes under specific regulations. Local agents understand the unique needs of Monterey County properties near the Pacific Ocean.
Frequently Asked Questions
What does mobile home insurance cover in Monterey California?
Standard policies cover the structure personal property and liability. Flood and earthquake coverage are usually separate. California law does not require mobile home insurance but lenders often do.
How do I find a mobile home insurance agent in Monterey?
You can search online directories or ask local real estate agents for referrals. Licensed agents in Monterey must follow California Department of Insurance rules. Compare quotes from multiple agents to find suitable coverage.
Are there special requirements for mobile homes in Monterey County?
Monterey County has wind and fire risk zones that may affect premiums. California Civil Code Section 798.74 addresses tenant insurance for mobile home parks. Your agent can explain local building codes and insurance requirements.
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