MVH Insurance Agency

06/03/2026

What are your vacation plans this summer? 😎

05/22/2026

05/15/2026

Some of our Joys from 2025!!MVH Joy Jar is starting up again for 2026. What makes you joyful?

05/05/2026

The Cinco de Mayo tradition continues!
Lunch at Super Taco

04/23/2026

Make sure you know which one your policy uses--because the difference shows up when you need it most.

04/23/2026

🏡 Understanding Your Manufactured Home Insurance:
ACV vs. Replacement Cost
When choosing insurance coverage, one key decision can impact your wallet big time after a loss: Actual Cash Value (ACV) vs. Replacement Cost Coverage.

🔹 Actual Cash Value (ACV) This pays what your home is worth today—after depreciation.
➡️ Think: original value minus age, wear, and tear
💡 Result: Lower premiums, but less money if you file a claim

🔹 Replacement Cost Coverage This pays what it costs to rebuild or repair your home at today’s prices—no depreciation deducted. ➡️ Think: full cost to replace with like, kind & quality
💡 Result: Higher premiums, but much better financial protection ⚖️ Why it matters: If your manufactured home is damaged or destroyed, ACV could leave you covering a big gap out-of-pocket, while replacement cost coverage helps you rebuild without that financial strain.

✅ Quick takeaway:
• Want lower monthly cost? ACV might appeal
• Want stronger protection? Replacement cost is usually the safer bet.

Make sure you know which one your policy uses—because the difference shows up when you need it most.

04/15/2026

Manufactured homes have a special place in our hearts 🏡❣️

We’ve been insuring them across CA since 1976 and NV since 2020~so you could say we know them pretty well.

Need coverage? Send us a message and let us make it easy!

03/11/2026

Took a day away from the office to enjoy the day with other Women in Insurance. We shared our stories and gained inspiration from each other.

01/24/2026

January 2024 we started a Joy Jar. Today we decided it was time to start reading all the "joys" we collected in 2024. Here is what we opened today.

01/24/2026

Today we celebrated Marissa's work Annivesary! Lunch at Mikuni's, this was dessert: Green Tea Tiramisu.