Frequently Asked Questions
Find quick answers to common questions about our coverage, policies, claims, and more.
Aspera FAQs
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Aspera acts as an underwriting manager and offers manufactured housing insurance and homeowners insurance for hard-to-place risks.
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Aspera can access coverage in the following states:
- Alabama
- California
- Colorado
- Delaware
- Florida
- Georgia
- Louisiana
- Mississippi
- North Carolina
- South Carolina
- Texas
- Virginia
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We specialize in hard-to-insure Manufactured Housing and Homeowners accounts. We offer broad coverage forms that can be tailored to your client’s unique needs.
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1. Visit www.asperains.com/become-appointed
2. Complete and submit the online Producer Questionnaire, include your insurance licenses, E&O, and W9.
3. When we receive your questionnaire and documents, we’ll send you a Producer Agreement for your Agency’s Owner or Officer to review, sign, and return.
4. Once we receive the signed Producer Agreement, you’ll be ready to start binding and making your hard-to-insure clients happy!
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Our online quoting portals allows you to receive quotes in minutes! Have questions? Send us an inquiry during business hours (M-F, 8 am – 5 pm ET), and we’ll get back to you in 3 hours or less.
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Within a day after you complete the appointment, we will introduce you to our expert team, who will provide your quotes and answer any questions.
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In a word—very! Someone from our dedicated underwriting team will respond within 3 hours to inquiries sent during the business day.
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We use an insured bill system called AsperaPay for both our Manufactured Housing and Homeowners accounts. We will email invoices directly to your clients after the policy is bound, giving them the flexibility to pay online or by mail via credit card, check, or bank account, and we automatically send you your monthly commission.
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For questions about our Manufactured Homes product, email mh@asperains.com or call (804) 774-2101. For questions about our Homeowners product, email homes@asperains.com or call (804) 774-2119.
We are committed to responding to our agents quickly—remember Aspera is located in Virginia, and we operate within the Eastern time zone.
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Our Claims page details procedures to submit a claim.
AsperaPay FAQs
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You don’t. We will email invoices directly to your clients after a homeowners or manufactured home insurance policy is bound.
AsperaPay billing accounts are created and viewable at gotopbs.com/asperapay within 1-3 days of the policy binding date.
Agencies have the option to make payments on their clients’ behalf using the methods listed for client payments below.
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Your clients can pay via credit card, check, or bank draft. They will need to pay the full amount. AsperaPay does not accept partial payments.
If your clients pay by mail, they will need to mail payments to the AsperaPay billing address listed on the invoice. If payments are sent to the incorrect address, including Aspera’s lock box, we may issue an NOC if processing a mailed payment is delayed.
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Commissions are sent on the 7th of each month. If the 7th falls on a weekend or holiday, payments will be sent on the next business day.
You can choose to receive a physical check by mail or direct deposit via ACH. To set up your agency for ACH, visit gotopbs.com/asperapay and click “Direct Deposit Form” in the top righthand corner of the home page. Complete and return the form to asperapay@input1.com.
You can expect to receive ACH payments within 1-5 business days or a physical check within 3-10 business days. Broker Statement Reports are emailed the same day your commission is sent.
NOTE: Payment must be made by the last day of the previous month to be reflected in the current month’s commission payment. For example, payments made May 31st would reflect in your June 7th commission payment, a payment made June 1st would reflect in July.
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The client will receive an email from do-not-reply@pbsnetaccess.com around 2 business days after binding with the invoice and payment instructions.
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We will send you a renewal quote 60 days before the renewal date. Review the renewal quote with the client, obtain approval to bind, and bind the policy as usual.
We will email you and your client an invoice 2 business days after binding the renewal.
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Payments are due a minimum 30 days after coverage is bound.
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We will not send invoices to mortgage or premium finance companies. You or your client can forward the invoice to the company paying the premium. Make sure the paying company knows where to send payments.
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No, we still require full payment. AsperaPay is unable to accept partial payments.
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Yes. Contact gotoPremiumFinance directly (www.gotopf.com, 888-875-4000 x8102, or brokersupport@input1.com) to learn more.
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We will bill the agency for any premium-bearing endorsement on a policy bound prior to launching AsperaPay. We will accept payments for these endorsements through the legacy pay portal (portal.asperains.com) until that policy renews.
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We will no longer post payment information or statements on our accounting portal (portal.asperains.com).
Policies will show up in PBS, the new billing portal (gotopbs.com/asperapay), 1-3 days after binding.
Endorsements made after a policy is bound may appear the day after the policy is viewable.
(804) 408-9211
Personal Insurance Portal (PIP) FAQs
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The Personal Insurance Portal, or PIP, offers a fast, convenient online experience for appointed agents and support staff who quote and service homeowners insurance policies through Aspera.
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PIP is Aspera’s proprietary online quoting and servicing platform. We introduced PIP in 2025 alongside the Homeowners E&S (HOMES) product, and is the exclusive portal for quoting and servicing all HOMES accounts. PIP is now the exclusive portal for quoting and servicing manufactured housing business, as well. Specifically:
- All California and Colorado manufactured housing business
- All North Carolina manufactured housing business quoted and bound on or after July 8, 2026
- All manufactured housing business in other open states quoted and bound on or after July 30, 2026. See the map below for currently open states.
If you’ve been working with us for a while, then you’re also familiar with the legacy portal. The legacy portal is the quoting platform you’ve used to quote and service manufactured housing accounts for over a decade. Although PIP has replaced the legacy portal for all NEW manufactured housing business, manufactured housing business bound in the legacy portal on or before July 7, 2026 in North Carolina, or on or before July 29, 2026 in all other open states, will remain in the legacy portal until it’s ready to renew. You’ll continue to service it there until approximately 60 days before the renewal date, at which point it will automatically move to PIP and we’ll notify you.
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You can visit PIP online (https://pip.asperains.com/) and log in using your assigned credentials. Please note that credentials cannot be shared within an office. Each user will need their own unique username and password.
To learn more about using PIP, refer to the External User Guide provided during onboarding. It includes login instructions, quoting steps, FAQs, and underwriting guidance.
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PIP represents the next evolution of quoting convenience and technology. With all new HOMES and manufactured housing accounts on PIP, you have a single, one-stop resource to manage your Aspera business.
Keep in mind, however, that the legacy portal is not going away entirely. Currently, all HOMES accounts are quoted and serviced in PIP, along with along all new manufactured housing business. However, manufactured housing business quoted and bound on or before the dates below will remain in the legacy portal for servicing until renewal:
- California and Colorado: N/A; all manufactured housing accounts are already in PIP
- North Carolina: Bound in legacy portal on or before July 7, 2026—serviced in legacy until ~60 days before renewal, then auto-moves to PIP
- All other open states: Bound in legacy portal on or before July 29, 2026—serviced in legacy until ~60 days before renewal, then auto-moves to PIP
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If you are appointed with Aspera and have received your log in credentials, you can log in and begin quoting HOMES and manufactured housing business immediately.
Not yet appointed? Get started here.
If you are appointed and do not know your credentials, navigate to https://pip.asperains.com. Click “Can’t log in to your account?” From there, follow the steps to reset your password using your email address. Once your password is reset, you should be able to use your new password to log in and begin quoting!
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Accounts may lock after multiple unsuccessful login attempts. If that happens, navigate to https://pip.asperains.com. Click “Can’t log in to your account?” From there, follow the steps to re-set your password using your email address. If the issue persists, contact brokerageops@asperains.com for assistance.
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Look for the email in your spam or junk folder first. If you still don’t see it, contact your IT or email administrator and ask them to:
- Determine whether the reset email was quarantined at the server level. Please relay to them that the email will be coming from brokerageops@asperains.com.
- Whitelist emails from our portals’ sending domain: “@asperains.com”
If you still experience problems, please contact brokerageops@asperains.com.
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Use PIP for all HOMES quotes. Refer to the maps below to see if your state has PIP access for manufactured housing accounts. If it does, you can quote all new manufactured housing policies on PIP. Otherwise, you will use the legacy portal to quote manufactured housing until your state migrates to PIP.
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Yes. PIP and the legacy portal each require their own username and password. Please note that credentials cannot be shared within an office. Each user will need their own unique login.
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PIP is currently used for all HOMES policies in every state where HOMES is available, as well as for manufactured housing accounts in certain states. Manufactured housing accounts in all states will be migrated to PIP over time. We will notify you when that transition happens for your state of residence.
After your state transitions manufactured housing accounts from the legacy portal to PIP, new accounts can be quoted and serviced in PIP. All your existing manufactured housing accounts will remain in the legacy portal until renewal, at which time they will be moved over to PIP automatically. You will need to use the legacy portal to service any manufactured housing policy originally quoted and bound in the legacy portal until the policy renews. A renewal will be generated on PIP 60 days before the renewal date.
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We’re actively optimizing PIP and rely on agent feedback. If you run into an issue, please report it to brokerageops@asperains.com so it can be reviewed and resolved promptly. Your input helps us make PIP better for everyone.
