Personal Insurance

Manufactured & Mobile Homes

No two manufactured homes are alike. Different ages, different locations, different sizes and coverage needs—even different names, like manufactured housing vs. mobile home. But no matter what the risk—or what you call it—Aspera gives retail agents flexible home insurance options, with two coverage forms so you can fit the policy to the home in front of you.

Whatever the Home, Whatever You Call It, Bring It to Aspera

Older, rural, wildfire-exposed, or on the coast: send us the manufactured and mobile home accounts your standard markets can’t place. We’ll help you match the right coverage form to the home in front of you.

OUR SPECIALTY. YOUR PEACE OF MIND.

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What You Can Place

Homes built as far back as 1977
Wildfire-exposed locations
Protection Class 10 properties
Coastal homes: wind and hail included, with no coastal limitations in open markets
Inland and rural homes

Why Choose Aspera

We bring 13+ years of experience delivering solutions for manufactured and mobile housing in tough venues. Today, we offer options for weather-exposed coastal regions, underserved inland markets, and wildfire-exposed and PC 10-rated zones. Our flexible coverage forms include wind & hail, offer RCV and ACV options, and have no coastal limitations within our open markets.

Coverage Information

- Internet-based rating system generates quotes in minutes
- Company communication is paperless including declarations, policy form(s), & endorsements
- Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by AM Best
- Manufactured, mobile, & modular housing
- Primary or seasonal owner-occupied
- Short- and long-term rental properties
- Homes manufactured as far back as 1977
- Vacant properties
- Commercial occupancies
- Properties with existing damage
- Homeowners’ policy & endorsements
- Preferred Policy (Special Form) – all perils
- Select Policy (Broad Form) – named perils
- Wind & Hail: 2%, 3%, 5%, 7.5%, or 10%
- All other perils: $500, $1,000, $1,500, $2,500, $5,000, $7,500, $10,000, or $25,000
- Dwelling (Coverage A)
- Other structures (Coverage B)
- Personal property (Coverage C)
- Additional living expenses (Coverage D)
- Personal liability — up to $300,000 (Coverage E)
- Medical payments — up to $5,000 (Coverage F)
- Fire Department service coverage
- Emergency removal coverage
- Trees, shrubs, plants, & lawns
- Debris removal
Replacement Cash Value
- Coverage A (Dwelling) — total losses: paid at the amount of insurance, subject to policy provisions
- Coverage A (Dwelling) — partial losses on homes 10 years old or newer: paid at cost of repair or replacement, not to exceed the amount of insurance, subject to policy provisions
- Coverage C (Contents) — Preferred policy only: paid at replacement cost; sublimits & special classes may apply
Actual Cash Value
- Coverage A (Dwelling) — partial losses on homes more than 10 years old
- Coverage A (Dwelling) — all hail losses, regardless of home age
- Coverage B (Other Structures) — all losses, Preferred policy
- All coverages (A, B, and C) — Select policy
- Printable Manufactured Homes Information
- Appetite Guide – Manufactured Housing