NEW options for hard-to-place homeowners!
Posted on March 31, 2026
NEW Select policy can help lower premiums
Key Takeaways:
- NEW: Select coverage with actual cash value (ACV) settlements for both site-built & mobile homes
- ACV valuation affords lower premiums for homes 10 years or older
- Reliable coverage for hard-to-place homes backed by a carrier rated A (Excellent) by AM Best
When hard-to-insure homeowners ask if you can find coverage options to fit their home and budget, Aspera gives you the power to say, “Yes.”
First, we brought you HOMES, an E&S homeowners product designed for hard-to-place homes. Next, we delivered a manufactured housing solution backed by the same AM Best-rated carrier.
Both options feature a Preferred coverage form with replacement cost value (RCV) settlements—and now, California agents can access the Select coverage form.
The Select coverage form’s ACV options often provide premium savings compared to RCV.
Get to know the Select Policy
- Coverage A, including wind & hail
- Losses are calculated using ACV for all coverages
- Potential policy savings based on the age of the home
Both coverages are available for traditional site-built homes and mobile or manufactured homes, including those with PC 10 ratings, wildfire exposures, coastal locations, short-term rentals, prior loss histories, and unusual building materials, like metal siding, etc.
Give your clients the power of choice with Aspera
If you’re already appointed, head to the our quoting portal to request a quote. Not yet appointed? Begin our appointment process now, and you could be quoting in a matter of hours.