Our manufactured home “point of sale” program provides coverage using a comprehensive HO-3 Homeowners policy for the manufactured housing industry. Targeted for manufactured homes that are 20 years old or newer, our HO-3 Homeowners policy includes dwelling coverage, personal liability, personal property, additional living expense, other structures, and third-party medical payments. A highlight of this policy is the optional flood endorsement, which is consistent with coverage you would find through the NFIP for residential properties; this coverage can be added to the policy for an additional premium.
Program Features
- Available in 50 states on a Surplus Lines basis, and able to write coverage where some policies do not, such as wind, hail, fire and flood coverage in coastal areas and hazardous brushfire areas.
- Written through A.M. Best, A-rated insurers
- A bespoke quoting platform that provides:
- Digital application
- rate, quote and bind online
- Automated underwriting for program eligibility & optional coverages
- Credit card and ACH available
- Automated direct bill renewals
- Data reporting via dashboards, graphs and summaries
- Self-service policy management
- Ability to download policies directly to agency management systems
- Access to both Manufactured Homeowners & Standalone Flood products
- Distributed through exclusive broker/agent partnerships
- No social security numbers, background or credit checks required
Coverage Details
- HO-3 Homeowners policy for owner, rental and seasonally occupied homes.
- Offers coverage on manufactured homes that are 20 years old and newer
- Policies include wind/hail and named windstorm coverage. No restrictions for the peril of wind or hail.
- Flood and earthquake coverage available. Flood endorsement is lender compliant. Elevation certificates and flood zone determinations are not required.
- Homes can be insured at Replacement Cost Value (RCV) or Actual Cash Value (ACV).
- $500 standard deductible
- $300 minimum policy premium
- Max $300,000 dwelling limit
- Personal property limits up to 80% of coverage A
- Other structures limit up to 50% of coverage A
- Loss of use and additional living expenses up to 20% of coverage A
- Personal/Premises liability up to $500K
- Medical payments to others up to $2,000 per person, $25,000 per occurrence
- Optional coverage offerings:
- Extended coverage A replacement cost
- Personal property replacement cost
- Service line protection
- Equipment breakdown
- Golf cart liability
Let us help deliver a manufactured homes solution aligned to your portfolio’s needs. Contact us at
1.800.833.5912 or
insurmark.general.mailbox@insurmark.com to learn more.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.