Homeowners deserve more than the “last resort”
Posted on June 25, 2026
Where Others See Risk, We See Opportunity
Protecting homeowners is your priority; placing hard-to-insure risks is ours. We make it our goal to deliver creative solutions for both site-built and manufactured home clients.
Welcome to Aspera: Coverage for your hard-to-place risks
Homeowners in areas classified as a protection class 10 (PC 10) and/or in high-risk coastal locations often face non-renewals or forced placements into last-resort insurance programs. Fortunately, there’s Aspera.
We are the exclusive wholesaler for excess & surplus (E&S) homeowners insurance products written through a carrier that has an A (Excellent) rating from AM Best. Backed by E&S flexibility, we help to protect properties in the toughest locations, including PC 10-rated areas, coastal regions, and high-wind/hail zones.
Aspera has been placing high-risk manufactured homes along the Gulf and Atlantic coasts for more than 12 years. In 2025, we introduced HOMES, homeowners E&S coverage for site-built homes, using our industry expertise to bring more options to more clients.
Manufactured housing coverages are currently available in 11 states, including Alabama, California, Delaware, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas, and Virginia.
HOMES coverages can be accessed in Alabama, California, Colorado, Florida, Georgia, Louisiana, Mississippi, North Carolina, and Texas—with Delaware, South Carolina, and Virginia coming soon!
Learn more about Aspera’s coverage options—or request an appointment today. Our process is so simple that once you submit your request, you could be sending out quotes within the day.