Manufactured Homes Homeowner insurance

Our manufactured home program offers coverage using a comprehensive HO-3 Homeowners (DP-3 for Non-Owner Occupied) 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 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 payment options
  • 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 exclusively through broker/agent partnerships
• No social security numbers, background or credit checks required

 

Coverage Details

• HO-3 Homeowners policy for owner, DP-3 for non-owner occupied and seasonally occupied homes.
• Available to manufactured homes that are 20 years old and newer, subject to underwriting.
• Policies include wind/hail and named windstorm coverage. No restrictions for the peril of wind or hail. (Minimum deductibles will apply for certain states)
• 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).
• $1,000 standard deductible
• $300 minimum policy premium
• Max $300,000 dwelling limit
  • Personal property limit is 30% of coverage A
  • Other structures limit is 20% of coverage A
  • Loss of use and additional living expenses 5% of coverage A
  • Personal/Premises liability $50,000 limit. Option to increase it to $100,000.
  • Medical payments to others up to $2,000 per person, $25,000 per occurrence
• Optional coverage offerings:
  • Personal property replacement cost
  • Golf cart liability
  • Flood
  • Personal property flood coverage
  • Earthquake (in CA, WA, OR)

Let us help deliver a manufactured homes solution aligned to your portfolio’s needs. Contact us at 1.800.833.5912 or [email protected] to learn more.

*Only available in CA, OR, WA
 
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.

Insurmark is a division of Financial & Professional Risk Solutions, Inc., a licensed producer in all states (TX Lic# 15890); in California DBA; FPR Insurance Solutions, Inc. Lic # 0G83953.

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Program Details

• Manufactured Homes Program Highlights

Related Links

• Manufactured Homes Video