Manufactured Homes Standalone Flood Insurance

Insurmark’s Manufactured Homes Flood Insurance program provides a standalone lender compliant Private Flood offering for the manufactured homes industry.

Program Features

• ​​Available in 50 states on a Surplus Lines basis, and able to write coverage where some policies do not, such as coastal 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 exclusively through broker/agent partnerships
• Not required:
  • Elevation certifications
  • Social security number, background checks or credit checks
  • Flood zone determinations

Coverage Details

• Available for owner, rental & seasonally occupied homes
• Coverage offered on manufactured homes that are 35 years old and newer
• Homes can be insured at Replacement Cost Value (RCV) or Actual Cash Value (ACV)
• $1,000 standard deductible, with higher deductibles options available
• $300 minimum policy writing premium
• Max $250,000 dwelling limit
  • Debris Removal up to $1,000
  • Increased cost of compliance up to $30,000
  • Optional $5,000 personal property coverage available

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.

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.

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Program Details

• Manufactured Homes Standalone Flood Insurance Highlight Sheet

Related Links

• Manufactured Homes Video

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