Coastal Manufactured Housing

Many insurance companies won’t provide wind/hail coverage for your factory-built or modular home. Aspera will!  We specialize in difficult-to-insure housing risks, even along the Atlantic and Gulf Coast regions.

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
• No losses in past 3 years (1 weather loss acceptable)

Ineligible Classes

• Vacant properties
• Commercial occupancies
• Properties with existing damage
• Properties more than ten miles from a fire station

Policy Structure

• Company policy form and endorsements

Policy Types

• Preferred: all perils
• Select: named perils
• Wind/Hail Only

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 service coverage
• Emergency removal coverage
• Trees, shrubs, plants, and lawns
• Debris removal
• Antennas and satellite dishes

Additional Coverage Options

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

Dwelling and Other Structures Settlement Methods

• Total loss payment equal to amount of insurance subject to policy provisions
• For homes ten years old and 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 more than ten years old, partial loss payment at actual cash value