Mobile Home Dealers Insurance Program offered by OnPoint Underwriting
Spectrum Wholesale, a subsidiary of OnPoint Underwriting, offers a specialized
Mobile Home Dealers Insurance Program tailored to meet the unique needs of the growing manufactured housing industry. With over 15 years of nationwide experience, this program delivers comprehensive coverage solutions and responsive claims handling for retail agents serving both small operations and large-scale mobile home dealerships.
As a Managing General Agency and Excess & Surplus Lines Broker, OnPoint Underwriting brings strong market relationships and underwriting authority with top-rated carriers, including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Through a Coverholder agreement with Lloyd’s of London, the program also has the capacity to place CAT-exposed property risks in coastal areas, including Florida.
Ideal Accounts and Appetite
This program is designed for:
- Mobile home dealers (retail and wholesale)
- RV parks and communities with owned rental units
- Property owners of manufactured housing communities
- Dealers located in CAT-exposed and coastal areas, including Florida
You might have a client operating a multi-location dealership with open lot exposure or a small independent dealer that needs liability and property coverage—this program can meet both needs with flexible underwriting and optional enhancements.
Coverage Highlights and Advantages
- Multi-state coverage with competitive rates
- Liability and property coverage included
- Open lot protection for inventory
- Optional coverage for automobile and umbrella exposures
- Coverage for unscheduled buildings and/or business personal property up to $5,000 included
- Debris removal included as a standard feature
- Property CAT exposure options available
- General liability extensions with aggregate limits per location and automatic additional insured language
- General liability rated on a per-site basis for community owners
Underwriting Notes and Minimum Premiums
Minimum premiums start at $500, making the program accessible for a wide range of accounts. OnPoint Underwriting has pricing authority with multiple carriers, allowing for tailored solutions and efficient quote turnaround.
Territories and Availability
The Mobile Home Dealers Insurance Program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With OnPoint Underwriting
With deep expertise in the mobile home dealer sector, OnPoint Underwriting and Spectrum Wholesale provide agents with access to competitive markets, flexible underwriting, and responsive service. Their long-standing carrier partnerships and in-house authority make them a trusted partner for placing complex or specialty risks in this niche industry.
For additional information, please contact Jackie Miller at
[email protected] or (602) 494-6733, or visit
www.onpointunderwriting.com.