Coastal Manufactured Housing

Many insurance companies won’t provide wind/hail coverage for your factory-built or modular home. Aspera will! We specialize in hard-to-insure coastal manufactured home insurance, especially 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.


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



Submission Requirements
  • Internet-based rating system generates quotes in minutes
  • Company communication is paperless including Declarations, Policy Form, and Endorsements
  • Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best
Send a Submission
Printable Coastal Manufactured Housing Information
Appetite Guide - Coastal Manufactured Housing
Become Appointed

Our Personal Lines Team

Heather Mawn, Division Manager
(804) 774-2106
Phillip Brinkley, Executive Underwriter
(804) 774-2112
Jesse Pittard, Associate Underwriter
(804) 774-2117
Brenin Renzette, Associate Underwriter
(804) 774-2108