Manufactured Homes require special policies tailored just for them!

We have markets to write manufactured homes:

  • Owner Occupied
  • Tenant Occupied
  • Seasonal
  • Rental
  • Vacant

States Available:

  • Connecticut
  • Massachusetts
  • Maine
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont

Rating Portal:

  • Manufactured Home Rating Portal
  • CPL Rating Portal:
    • None Available - Submit to GMA

Consider these scenarios:

Mobile Homeowners Package

  • Designed for multi-sectional or single-sectional homes that are owner occupied as the primary residence of the insured.
  • No rental or seasonal permitted.
  • Minimum Value of $1,000
  • Maximum Value of $300,000

Mobile Home Program

  • Designed for homes that are owner occupied as the primary residence of the insured
  • This program offers your insured maximum flexibility by allowing them to choose the specific coverages they desire
  • No rental or Seasonal permitted
  • Minimum Value $1,000
  • Maximum Value $300,000

Seasonal Mobile Home Program

  • Designed for any home that is not the primary residence of the insured, but is used by the insured on an intermittent basis
  • Vacant or full-time rental homes not eligible
  • Minimum Value $1,000
  • Maximum Value $200,000

Rental/Commercial Mobile Home Program

  • Designed for any home rented, long term, to others for residential purposes, or
  • Designed for any home used in a light office or professional capacity
  • Beauty Salons, Day Care Centers, and Stores or Markets are not eligible
  • Rental schedules in excess of 100 units or $2,000,000 total sum insured required approval of company
  • Rental schedules in the name of a mobile home park are ineligible for this program - contact GMA for different program
  • Short Term Rental allowed only if
    • the lease term is less than 3 months, and
    • the insured lives within 100 miles of the property, or
    • the property must be managed by a property manager
  • Minimum Value $5,000
  • Maximum Value $200,000

Tenant Program

  • Designed to provide personal property coverage for individuals renting a manufactured home
  • Named Perils, including Burglary
  • Minimum Limit of $5,000
  • Maximum Limit of $50,000
  • Named Perils include:
  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief

                                                                             

     
  • Burglary
  • Falling Objects
  • Weight of Ice, Snow or Sleet
  • Accidental Discharge or Overflow of Water or Steam
  • Freezing
  • Sudden and Accidental Damage from Artificially Generated Electrical Current

 

 


Manufactured Home Applications: 


CPL & PUP Applications:

CPL, ECPL, FCPL and PUP program available in all of New England, New Jersey and Pennsylvania

PUP also available in New York