Manufactured Home
A Mainline, Not a Sideline
Insuring manufactured homes has been at the heart of our insurance business for 40 years. Homeowners can choose between the wide coverage of our Package program, or pick just what they need from the Byline option. We also have niche programs for rental, seasonal, commercial and tenant occupancies.
| Multi- or Single-sectional "Package" Program | Mobile Home "Byline" Program | |
|---|---|---|
| Target Market | Customers looking for comprehensive coverage, comparable to an HO-3 policy. | Customers looking for flexible coverage that fits their circumstances. |
| Occupancy | Owner | Owner |
| Protection | Comprehensive | Comprehensive |
| Loss Settlement1 | Stated value for a total loss ACV for partial losses |
Stated value for a total loss ACV for partial losses |
| Dwelling | No age restriction Single family |
No age restriction Single family |
| Term | 12 month | 12 month |
| Protection Class | 1-10 | 1-10 |
| Prior Losses or Credit Issues |
Most acceptable | Most acceptable |
| Photos | Not required | Not required |
| Included Coverage1 | Equipment breakdown Other structures Personal property Personal liability Additional living expenses Collapse Reasonable repairs Emergency removal Fire department surcharge Builders risk Trees, shrubs, plants, lawns Food spoilage |
Additional living expenses Collapse Reasonable repairs Emergency removal Fire department surcharge Builders risk Trees, shrubs, plants, lawns Food spoilage |
| Optional Coverage1 | Enhanced coverage limits Earthquake Flood |
Equipment breakdown Other structures Personal property Personal liability Earthquake |
| Special Note | Enhanced coverage limits are typically higher with the Package program. |
1All coverages protect up to the policy limits. As you review these program highlights, keep in mind that program availability and coverages may vary by state. The state program manual and policy form present complete details.