Manufactured Housing

One size does not fit all when it comes to manufactured home insurance. That’s why Aspera offers agents the choice of two unique coverage forms, each designed to fit the different needs of different homeowners. We can access policies that provide replacement cost value up to the dwelling limit, discounts for older homes, and more.

We specialize in manufactured home insurance for hard-to-place accounts, especially those along the Atlantic and Gulf Coasts. Each of our options include wind & hail coverage and no coastal limitations within our open markets.

Ask your agent how we can provide you the coverage you need for your most important investment—your home.

OUR SPECIALTY. YOUR PEACE OF MIND.

Target Classes

Eligible Classes

• Manufactured, mobile, & modular housing
• Primary or seasonal owner-occupied
• Short- and long-term rental properties
• Homes manufactured as far back as 1977

Ineligible Classes

• Vacant properties
• Commercial occupancies
• Properties with existing damage

Policy Structure

• Homeowners’ policy & endorsements

Policy Types

• Preferred Policy (Special Form) – all perils
• Select Policy (Broad Form) – named perils

Deductible Offerings

• Wind & Hail: 2%, 3%, 5%, 7.5%, or 10%
• All other perils: $500, $1,000, $1,500, $2,500, or $5,000, $7,500, $10,000, or $25,000

Coverage Options

• 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

Settlement Methods

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