A manufactured or mobile home can be insured under a homeowners form with ISO's mobilehome endorsement (MH 04 01). Carrier mobilehome forms vary, so read the actual policy; the figures below are the ISO form's standard wording, not California law.

Coverage A insures the home and structures attached to it, along with attached utility tanks and permanently installed items such as floor coverings, appliances and cabinets. A structure set apart from the home, such as a detached shed, is an other structure under Coverage B. The test is attachment, not value or when the structure was added.

Coverage B is 10% of Coverage A, with a minimum of $2,000, and it does not reduce Coverage A. The minimum matters because mobilehome limits are often low: with Coverage A of $12,000, 10% is only $1,200, so $2,000 applies.

Moving the home: if a covered peril endangers the mobilehome and it is moved to avoid damage, the endorsement pays reasonable removal and return expenses up to $500, with no deductible. Ordinary transit is different: the California Department of Insurance warns that most standard mobile home policies do not cover the home while it is in transit.