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To qualify for the Mobile Homeowners Product, a risk must have the following characteristics:

  • Permanent and Primary owner occupied residence.
  • Replacement Cost available for homes 6 years old or newer.
  • Homes 20+ years of age may qualify for the Dwelling Fire Program.
  • Minimum Coverage C Amount $7,000
  • Rental homes may qualify for the Dwelling Fire Program.

Risk characteristics that make the risk unacceptable for our Mobile Homeowners Product:

  • Prior cancellations, non-renewals, claims, non-pays, bankruptcy, foreclosure.
  • Diving boards; unfenced in-ground pools.
  • Vacancy.
  • Space heaters, Solid Fuel/Woodburning Stoves.
  • Coverage lapse.
  • Multiple ownership, trusts, business entities.
  • Inaccessible Risks.