What does the Century-National Mobile Homeowner Policy cover?

Century-National covers these items in the mobile homeowners policy: your mobile home and structures attached such as a carport; detached structures such as a detached carport, storage shed, fences, and walkways; your home contents and personal effects; loss of use of the home; liability for injury to guests; and medical expenses for injuries to others while on your property.

What types of perils are insured?

The policy covers many perils including fire, lightening, windstorm, sudden water damage from broken pipe, theft of contents, and other perils. If the loss is from a sudden and accidental event, there is a good chance it will be covered.

What types of perils are excluded?

Earthquake losses are excluded. Depending on the location of your mobile home park, flood losses may also be excluded. However, it is possible to purchase coverage for both of these perils through


Century-National. Losses from wear and tear or from settling of foundations are not intended to be covered by the mobile home policy and are excluded. There are other exclusions in the policy.

How is Century-National’s coverage better?

We pride ourselves on offering replacement cost coverage up to policy limits on your home and contents, as well as high personal liability limits. What’s more, if your home is 20 years or newer we even provide guaranteed replacement cost on your home meaning we will pay above policy limits if necessary. Also, Century-National’s performance in some of the worst disasters demonstrates that we do not abandon customers when times are tough. We meet the needs of customers.

What is Century-National's financial rating?

Century-National carries an A- “Excellent” rating from A.M. Best Company, the most recognized insurance rating analyst.

If I live far away from Century-National's home office, how will my claim be handled?

As a policyholder, you deal directly with our company headquarters toll-free in North Hollywood, California. There's no middleman to come


between us. Our claims adjusters cover the states of California, Nevada, Oregon, and Washington, so an adjuster in your local area will be assigned to your claim for prompt service.

Can I choose my deductible amount?

Yes.  You have a choice of  $250, $500, or $1,000 deductibles.  Higher deductibles apply to earthquake coverage.

What type of earthquake coverage does Century-National offer?

Limited and comprehensive earthquake coverage is offered. A description of each type is provided in the Earthquake Insurance section of this website (link to Earthquake Policy Options page). For complete information on your earthquake coverage options, feel free to speak with a friendly customer service representative at 1-800-231-5711.

Can I purchase earthquake coverage only? 

No. Earthquake coverage can only be added to your mobile home policy - it cannot be purchased by itself.

Does Century-National participate in the California Earthquake Authority?

No. We underwrite our own earthquake policies, so there is no need to have two separate policies.

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