There will be requirements set forth by your lender that the insurance coverage must fulfil.Take into account other coverage alternatives like liability insurance, umbrella insurance, or coverage for certain risks like floods or earthquakes, depending on the property and your situation.Examine the insurance firms you are considering's ratings for both financial soundness and consumer happiness.

This sounds like a decent business plan...assuming these kits meet the current CA dwelling codes for everything from fire to earthquake. 

Don’t forget that you don’t insure the land, so in high-value areas like LA, property insurance will be a lot less than the amount loaned -- thankfully.You might optionally require specialized earthquake, flood, wind/hail, or specific endorsements for other regional risks.If you can, be careful accepting an insurance binder in favor of the actual policy.

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

(fire only) Although we have earthquakes, I can't afford both.  

It gets ice and snow in the winter but overall no storms with names,  floods or earthquakes.  

Plus This gives me options if suddenly the claim was $9,500 or a few of my properties were damaged by the same earthquake, weather, flood, whatever. 

My soft structure apartment needs to have the carport reinforced for earthquake safety.  

I have had instances before where overseas they get hit with a bad storm or earthquake and they are out of commission for a week.I have found using local people close to your business tends to work well at least it has for me.