Manufactured Housing

One size does not fit all when it comes to manufactured home insurance. That’s why Aspera offers agents the choice of three 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, wind & hail-only coverage, 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

• Factory-manufactured or modular housing
• Primary or seasonal owner-occupied
• Long- or short-term rentals
• No losses in past 3 years (1 weather loss acceptable)

Ineligible Classes

• Vacant properties
• Commercial occupancies
• Properties with existing damage

Policy Structure

• Company policy form & endorsements

Policy Types

• Preferred: All perils
• Select: Named perils
• Wind & Hail-Only

Deductible Offerings

• Wind & Hail: 2%, 3%, 5%, 7.5%, or 10%
• Wildfire: 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 – Contents (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 charge – up to $250
• Emergency removal – up to $750
• Trees, shrubs, plants, & lawns
• Debris removal
• Antennas, satellite dishes, & solar panels – up to $100
• Mold, fungi, bacteria, & wet or dry rot – up to $5,000
• Reasonable repairs

Additional Coverage Options

• Contents (personal property) at replacement cost
• Scheduled Personal Property for valuables, including jewelry, furs, cameras, golf equipment, & fine arts
• Golf cart liability extension & physical damage
• Mortgage payment protection
• $10,000 liability limitation for:
  • Animals
  • Diving board, slide, & in- or above-ground pool
  • Off-road recreational or service vehicle
  • Trampoline

Additional coverage options currently not available in California.

Dwelling and Other Structures Settlement Methods

• Total loss payment equal to amount of insurance subject to policy provisions
• For homes 10 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
• For homes older than 10 years, partial loss payment at actual cash value