Let us take care of you

Manufactured Home Insurance Coverage

Relax from the comfort of your mobile home knowing that your property is safe.

Standard Manufactured Home Insurance Coverage

Our Manufactured Home Insurance standard coverage allows you to enjoy the full potential of your home, while we protect your property. Here are the crucial aspects of this policy for covered losses.

Ensures financial protection for the physical structure of mobile homes. Dwelling coverage makes sure that in the event of covered perils such as fire, storms, or vandalism, you can get compensation to repair or rebuild your property. It extends to your home's structural elements, including walls, roof, floor, and built-in appliances, making it crucial if you own a mobile home.

Protects detached other structures on your insured property that are separate from your main residence, for instance, if you have a detached garage, shed, or gazebo this is the coverage that will keep these spaces well-protected. We’ll bring financial support whenever you need to restore or rebuild any of these structures in the event of covered damage.

Serves as your guardian against unforeseen situations, protecting all your valuable items such as furniture, clothing, and electronics. This essential aspect of this policy acts as a crucial shield to mitigate financial risks, taking a weight off your shoulders and giving you peace of mind and certainty that your belongings will be protected.

Offers financial coverage should unpredicted circumstances force you out of your residence temporarily, covering housing, meals, or other services that you may require while your manufactured home is being repaired. This will give you the serenity that you will be covered and your property will be back to how it was before that unwanted situation.

Works as your financial safeguard stepping in to handle legal expenses and claims for damages caused by your unintentional actions that result in injury or property damage. Whether it's a slip-and-fall incident on your porch or a golf ball that fell off your balcony, this coverage protects your assets from substantial legal judgments, allowing you to focus on resolving the situation without incurring significant financial burdens.

Acts as a helpful ally for minor accidents within your manufactured home premises, providing financial assistance for incidents such as bumps from low doorways or twisted ankles on uneven sidewalks. Consider it as insurance that embodies good neighborly support, covering basic medical expenses

Optional Manufactured Home Insurance Coverage

Alongside our standard coverage, we provide additional options to keep your home covered at all times. Customize your policy now based on your specific needs.

Earthquake coverage

Includes protection against the detrimental effects caused by seismic activities. By adding this endorsement, you will be covered for repairs or replacements to the mobile home’s structure damaged as a result of an earthquake.

Trip coverage

Covers expenses related to repair or replacement of the manufactured home in the event of a covered loss during transportation. This coverage will handle the risks that arise when relocating your home from one place to another.

Limited Animal liability coverage

Covers property owners against legal and financial responsibility for damages or injuries caused by their pets. This coverage ensures compensation is provided if your pet causes harm to others, their property, or their pets.

Identity theft coverage

Safeguards your finances by giving you support in case you become a victim of identity theft, as this added provision will aid in covering the costs involved in identity restoration and minimizing the resulting harm.

Increased personal liability coverage

Offers extended protection in case of personal liability claims. This endorsement enhances your coverage for legal expenses resulting from covered incidents.

Golf cart liability coverage

Provides coverage in the event of liability or legal obligation for any damage or injury arising from golf cart-related incidents. We’ll cover that unwanted event while you enjoy the recreational use of golf carts within your community.

Unscheduled personal property coverage

Protects your belongings without requiring a detailed inventory. This coverage offers financial compensation for lost, stolen, or damaged items.

Personal cyber protection coverage

Protects you against digital threats like cyber attacks, online scams, data breaches, and cyber blackmail, while avoiding financial strain when it comes to recovering lost data or funds resulting from cybercrimes.

Equipment breakdown coverage

Protects your home appliances in the event of mechanical, electrical, or other types of equipment failures, helping to cover the costs of repairs or replacements.

Mortgagee clause

Protects the interests of the mortgage lender by providing them with coverage and benefits in the event of a loss or damage to the insured property.

Where Does PSIC Offer Manufactured Home Insurance Coverage?

At PSIC, we provide Manufactured Home Insurance coverage in the state of California.

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

Safety Tips for Dog Owners

Pets become cherished members of our family, but it’s crucial to recognize that they have unique needs and can behave unpredictably at times. Therefore, it’s important to take proper precautions to protect them and also ensure the safety of those around them. Let’s go over some tips to make this happen.

Blog

10 Sep 2024
5 min read

Blog

Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

10 Sep 2024
4 min read

Blog

Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

More About Mobile Home Insurance

We know Mobile Home Insurance could feel a bit overwhelming. That’s why we diversified key information to help you understand and choose the right coverage.

Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.