The top-rated mobile home insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 10 mobile home insurance agents serving Rancho Santa Margarita.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lori Garabedian - State Farm Insurance Agent | 30052 Aventura # C | (949) 858-4400 |
| 2 | David C. Duncan Insurance Services, Inc. | 30376 Esperanza Suite 200 | (949) 836-8116 |
| 3 | Farmers Insurance - Jerry Farcone | 30201 Aventura Ste 201 | (949) 709-7860 |
| 4 | Rick Sicro - State Farm Insurance Agent | 22362 Gilberto Ste 240 | (949) 240-9300 |
| 5 | Mashco Insurance Solutions Inc | 31 La Cascada | (949) 838-4233 |
| 6 | Adam Bays - State Farm Insurance Agent | 22521 Avenida Empresa Ste 105 | (949) 305-8432 |
| 7 | George Menclewicz: Allstate Insurance | 22342 Avenida Empresa Ste 130 | (949) 459-2795 |
| 8 | Shorr Agency Inc | 30211 Avenida de las Banderas | (888) 737-6200 |
| 9 | Julie's Insurance Services | 30211 Avenida de las Banderas # 200 | (949) 979-6771 |
| 10 | Farmers Insurance - Cameron Watson | 30162 Tomas Ste 205 | (800) 922-6526 |
Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita area, providing mobile home insurance coverage to local residents. As a local agent, she helps clients find protection tailored to manufactured and mobile homes in this region. Policies typically cover perils such as fire, wind, and hail, along with personal property and liability options. The agency offers assistance with selecting appropriate deductibles and endorsements like replacement cost coverage and protection for attached structures.
David C. Duncan Insurance Services, Inc. in Rancho Santa Margarita, handles a range of mobile home insurance solutions, from basic liability protections to comprehensive property coverage options. Clients can arrange for risk assessments and adjust their plans as needed through standard policy maintenance procedures. The agency also provides guidance on regulatory requirements common to mobile homeownership in the region. It serves owners of single-family mobile homes, manufactured housing communities, and related residential properties.
Farmers Insurance - Jerry Farcone serves homeowners and mobile home owners in Rancho Santa Margarita, California, offering property coverage for manufactured and modular dwellings. The agency helps clients protect their homes from common local risks such as fire, wind, and liability claims. Policies are designed to cover both the structure and personal belongings, with options for additional living expenses if a home becomes uninhabitable. The agent also provides coverage for renters and landlords in nearby Mission Viejo and the broader Orange County area.
Serving Rancho Santa Margarita and nearby Orange County communities, this agency provides mobile home insurance policies tailored to local needs. Coverage includes protection for the structure, personal belongings, and liability. The agent works to assess each client’s specific situation, reviewing factors like home age and location. To handle a typical job, he begins with a thorough consultation to identify coverage gaps, then customizes a policy that balances adequate protection with the client’s budget.
Unlike a traditional broker offering once per year renewals, Mashco Insurance Solutions Inc provides rolling mobile home insurance coverage options suited to Rancho Santa Margarita’s year round mild climate. Policyholders may select the typical long term annual plan or an extra seasonal protective term for temporary property use. Coverage correctly insures the mobile home’s structure, attached structures, and personal belongings against fire and theft common to this area. Service runs on either a one-time seasonal policy, a scheduled annual renewal, or as-needed policy adjustments re,quired for changed occupancy.
Mobile home owners in Rancho Santa Margarita often need to protect their property from Santa Ana winds or unexpected winter storms. Adam Bays - State Farm Insurance Agent assists local residents by offering mobile home insurance policies tailored to these specific risks, helping ensure proper coverage for structures and personal belongings. Each policy review begins with a careful discussion of the homeowner's property value and potential liability exposures in the region. An initial assessment of the mobile home’s condition and location is then scheduled to recommend appropriate coverage options.
George Menclewicz: Allstate Insurance provides mobile home insurance for Rancho Santa Margarita residents, specializing in policies that safeguard manufactured homes against local wildfire and wind hazards. Its general service work includes advising clients on coverage options, liability protection, and personal property safeguards tailored to mobile homes. The company helps policyholders address specific seasonal concerns, such as ensuring adequate coverage for storm-related damage during California’s dry, windy months.
Shorr Agency Inc provides residential mobile home insurance services to clients in Rancho Santa Margarita, California. The company also offers commercial coverage for mobile home parks and related properties throughout the surrounding area. Policies are tailored to protect against common risks such as storm damage, liability, and loss of personal property. The agency maintains ongoing communication with clients to ensure coverage adapts to changing needs, scheduling follow-up reviews between regular visits to address any new policy requirements.
Julie's Insurance Services in Rancho Santa Margarita, CA is known for providing mobile home insurance coverage tailored to manufactured and modular dwellings. Its service range includes standard policies addressing structure, personal property, and liability protection for local seasonal and full-time residents. The agency specializes in situating these plans within California’s unique regulatory market. As an added service, it can also arrange special endorsements for attached carports or porch enclosures often found on mobile homes.
Farmers Insurance - Cameron Watson works with clients to secure coverage for their mobile homes, including assistance with policy details and claims support. This Rancho Santa Margarita, CA agency also helps arrange specialty endorsements for protection against weather-related damage or replacement cost upgrades. Their insurance agent services extend to commercial sectors such as offices, warehouses, and food service operations.
What Does a a Mobile Home Insurance Agent in Rancho Santa Margarita Cost?
Typical mobile home insurance costs in California range from 300 to 800 dollars per year for a standard policy. Factors like home age, location, and coverage limits affect the premium. In Rancho Santa Margarita, wildfire risk may increase costs. This is general information, not insurance advice.
About mobile home insurance agents in Rancho Santa Margarita
Mobile home insurance agents in Rancho Santa Margarita, California help owners protect their manufactured homes from fire, theft, and liability. California law requires mobile home parks to have liability insurance, but individual owners need their own policy. Agents in this area understand local risks like wildfires and earthquakes, and can guide you to appropriate coverage options.
Frequently Asked Questions
What does mobile home insurance cover in California?
A standard mobile home policy in California covers the structure, personal property, and liability. It also includes loss of use coverage if your home becomes uninhabitable. Earthquake and flood coverage are typically separate add-ons.
Is mobile home insurance required in Rancho Santa Margarita?
California law does not require mobile home insurance by statute, but your lender or park may require it. Many parks in Rancho Santa Margarita mandate liability coverage as a condition of tenancy.
How do I choose a mobile home insurance agent in Rancho Santa Margarita?
Look for an agent who specializes in manufactured homes and is familiar with California Department of Insurance regulations. Ask about coverage for replacement cost, liability limits, and whether they offer discounts for safety features like smoke alarms or fire sprinklers.
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