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 SPECIALITY. 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

Policy Structure

• Company policy form and endorsements

Policy Types

• All perils including Wind/Hail or
• 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 twenty (20) 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 twenty (20) years old, partial loss payment at actual cash value

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 twenty (20) 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 twenty (20) years old, partial loss payment at actual cash value