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

• Manufactured or modular housing
• Owner-occupied homes, including seasonal & secondary homes
• Long- or short-term rentals

Ineligible Classes

• Vacant properties
• Commercial occupancies
• Properties with existing damage

Policy Types

• Preferred: All perils
• Select: Named perils

Deductible Offerings

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

Coverage Options

• Coverage A – Dwelling
• Coverage B – Other structures
• Coverage C – Personal property
• Coverage D – Additional living expenses
• Coverage E – Personal liability (up to $300,000 available)
• Coverage F – Medical payments (up to $2,500 available)
• Fire department emergency service coverage
• Emergency removal coverage
• Trees, shrubs, plants, & lawns (up to $200)
• Debris removal
• Antennas, satellite dishes, & solar panels (up to $100)

Settlement Methods

Replacement Cash Value

• Preferred coverage forms with total loss payment equal to amount of insurance subject to policy provisions
• Preferred coverage forms for homes ten years old & newer, partial loss payment equal to the cost of repairing or replacing, not to exceed the amount of insurance subject to the policy provisions

Actual Cash Value

• Preferred coverage forms with partial losses on homes more than ten years old
• Preferred coverage forms with ANY hail losses
• All Select coverage forms