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What if a disaster struck your mobile
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home tomorrow? Would your insurance
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actually cover the full cost to replace
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it? For over 500,000 Californians, the
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answer has been a devastating no until
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now. Senate Bill 525, introduced by
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Senator Brian W. Jones aims to mandate
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full replacement cost insurance coverage
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for over 500,000 mobile home residents
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The heart of SB525 is simple. It forces
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the fair plan to treat mobile homeowners
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like traditional homeowners. That means
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offering optional full replacement
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coverage instead of just insuring homes
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at the original purchase price. Why does
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this matter? Imagine buying your mobile
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home 20 years ago for $50,000.
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Now it's worth $125,000
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to replace. If disaster strikes, your
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insurance check would only cover the
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not enough to rebuild your life. The
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bill's journey began in January 2025,
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inspired by a constituent struggle. By
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April, it won unanimous approval from
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the Senate Insurance Committee and by
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it cleared the full legislature.
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For mobile home owners, especially lower
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income families and retirees, this bill
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is a gamecher. Many have felt left out
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to dry when it comes to insurance
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coverage. Just look at what happened at
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the Pacific Palisades Bowl mobile home
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park earlier this year. Fires tore
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through, leaving seniors homeless. Most
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didn't have the right coverage to
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rebuild. This bill doesn't force anyone
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to buy full coverage, but it gives them
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the option. Finally, as supporter Kent
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Mash testified, "My home is just as much
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a home to me as anyone else's is for
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insurers. This adds a new layer of risk.
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The fair plan will have to offer
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coverage at today's higher replacement
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costs. With California's fireprone
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areas, that risk isn't cheap. This could
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create ripple effects in the private
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insurance market. Will private companies
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follow suit. Will they hike premiums or
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will this push innovation in coverage?
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For 6 years, Senator Jones worked on
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this bill. He listened to stories,
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fought battles in the Senate, and
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rallied for change. Now it all comes
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down to Governor Nuome's signature.
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If signed, SB525 could give California's
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mobile homeowners something they've long
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deserved, peace of mind. Let's recap
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means for mobile home owners in
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California. This groundbreaking bill
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would mandate full replacement cost
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insurance coverage. treating mobile
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homes like traditional homes. Currently,
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mobile homeowners can only insure at the
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original purchase price, leaving a huge
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gap when disaster strikes. For example,
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a $50,000 mobile home from 20 years ago
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This affects over 500,000 California
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residents, many of whom are seniors or
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lowerincome families who have felt left
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out to dry by the current system. The
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bill has passed the legislature after 6
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years of effort by Senator Jones. Now,
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it awaits Governor Nuome's signature to
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finally give mobile home owners the
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peace of mind they deserve. Thank you
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for watching our coverage of
4:00
California's mobile home insurance
4:02
reform. We hope this information helps
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you understand how SB525
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could impact mobile homeowners across
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the state. Stay informed as this
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important legislation moves forward.
