California FAIR Plan: manufactured homes.

Senator Jones's proposal to expand California FAIR Plan coverage would require the state's property insurance program of last resort to cover manufactured homes and mobilehomes under the same terms and conditions as traditional residential dwellings. The measure amends the Insurance Code's definition of "basic property insurance" to explicitly include these housing types.

The California FAIR Plan Association currently operates as a joint reinsurance association formed by licensed insurers to provide basic property insurance access and equitably apportion premiums among participating companies. The association offers coverage in designated geographic areas for perils including fire, vandalism, and malicious mischief. Under the proposed changes, owners of manufactured homes and mobilehomes would gain access to this insurance framework, which serves as a safety net when coverage is otherwise unavailable in the private market.

The bill maintains existing provisions regarding earthquake coverage through the FAIR Plan, requiring that such protection align with current statutory requirements for policy terms and renewal notices. The measure's definitions of manufactured homes and mobilehomes mirror those established in the state Health and Safety Code, ensuring consistency across California law.