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Manufactured Home

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.