At Affordable Home Services, Inc., we specialize in providing tailored insurance solutions for Manufactured Housing Dealers. We understand the unique risks and operational challenges in this niche, and our program is designed to meet the specific needs of dealers across most of the continental United States. As a Managing General Agency (MGA), we work with a variety of insurance carriers that offer specialty products for this class of business.
Ideal Accounts and Appetite
Our Manufactured Housing Dealer Insurance Program is ideal for both independent and franchised dealers who sell new or used manufactured homes. Whether your client operates a single retail lot or multiple locations, we can provide coverage solutions that are both flexible and comprehensive. This program is particularly suitable for:
- Dealers with open lots storing multiple units
- Locations with onsite offices and storage buildings
- Businesses requiring protection for inventory, equipment, and liability exposures
If you have a client who owns a manufactured housing dealership in a flood-prone area or operates in multiple states, our program is built to accommodate those needs with optional and flexible coverages.
Coverage Highlights and Advantages
Our comprehensive package includes essential coverages for manufactured housing dealers, with optional enhancements to address specific business operations.
Core coverages include:
- Dealer's Open Lot – Covers both new and used inventory held for sale. Flood coverage is available.
- Building and Business Property – Protection for office and storage buildings, as well as business personal property like office furniture and equipment.
- General Liability (including Products Liability) – Helps protect against legal liability due to negligence or defective products. Defense costs are included.
- Commercial Auto Liability and Physical Damage – Liability for auto-related incidents and physical damage coverage for company vehicles due to collision, fire, theft, and windstorm.
Optional coverages available to customize protection:
- Business Computer
- Money and Securities
- Employee Dishonesty
- Outdoor Signs
- Small Tools Floater
- Contractors Equipment
- Building Materials and Supplies
- Valuable Papers
- Accounts Receivable
- Builders Risk
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, location, and selected coverages. Our underwriting team evaluates each submission to tailor the best possible solution. We work closely with our appointed agents to streamline quoting and placement for manufactured housing risks.
Territories and Availability
Our Manufactured Housing Dealer Insurance Program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Admitted markets are available in most of these states, and we match each risk to the most appropriate carrier offering.
Why Work With Affordable Home Services, Inc.?
Affordable Home Services, Inc. brings deep expertise and national reach in the manufactured housing insurance sector. With producers across the continental U.S. and access to specialty carriers, we offer responsive service, flexible coverage options, and a strong understanding of the exposures your clients face. Partner with us to place accounts confidently, knowing you’re backed by a team that truly understands this space.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for manufactured housing dealers selling new or used units, particularly those with open lots, office buildings, and a need for tailored liability and property coverage.
Is flood coverage available for inventory on open lots?
Yes, flood coverage is available as part of the Dealer’s Open Lot coverage, which protects both new and used inventory held for sale.
What states is this program available in?
This program is available in most states, including all continental U.S. states and DC. Admitted markets are available in many of these states.
Can optional coverages be added to customize the policy?
Yes, we offer a wide range of optional coverages such as employee dishonesty, tools floaters, builders risk, and more to match your client’s unique needs.
Who underwrites the policies offered through this program?
We work with various specialty carriers and place each risk with the most appropriate market based on underwriting criteria and state availability.
Need help placing an account? Connect with a market specialist.