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OnPoint Underwriting
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OnPoint Underwriting
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Mobile Home Insurance


Mobile Home Insurance Program offered by OnPoint Underwriting

OnPoint Underwriting, in partnership with Spectrum Wholesale, offers a dedicated Mobile Home Insurance program tailored to the needs of mobile and manufactured housing owners, dealers and park operators. The program gives agents flexible placement options for accounts ranging from single-location park owners to multi-state dealers and large consolidators.

This program is available in most states and includes specialized solutions for Manufactured Housing Parks, Dealers, RV Parks, and communities with owned rental units. OnPoint has underwriting and pricing authority across multiple "A" rated carriers—including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance—allowing a broad set of options, including CAT property placements for coastal exposures through a Lloyd’s of London Coverholder agreement.

Ideal Accounts and Appetite

OnPoint’s Mobile Home Insurance program is a fit for:
  • Single- and multi-location mobile home park owners
  • Manufactured housing dealers and sellers
  • RV parks and communities that own rental units
  • Accounts with property CAT exposure, including coastal risks
Typical examples you can place with this program: a small park with a mix of tenant- and owner-occupied mobile homes; or a regional dealer who needs multi-state cover for inventory and premises liability. The program is designed to handle both routine and complex placement needs.

Coverage Highlights and Advantages

  • Multi-state admitted and non-admitted options with competitive rates
  • Property and General Liability coverage tailored to mobile/manufactured housing risks
  • Open Lot, Auto, and Umbrella capacity available
  • Unscheduled Buildings and BPP coverage included up to $5,000
  • Business Income available on an Actual Loss Sustained form
  • Optional Extended Period of Indemnity
  • Debris removal included
  • General Liability enhancements: aggregate limits per location and automatic Additional Insured wording
These features help insureds manage property loss, liability exposure, business interruption and debris removal—with tailored enhancements that many standard programs do not provide.

Underwriting Notes and Minimum Premiums

The program’s minimum premium starts at $500, which makes it accessible for smaller park owners and single-location accounts. OnPoint underwrites and prices risks with delegated authority across multiple carriers for faster turnaround and flexible structure. CAT property placements are available for high-risk areas—particularly along the Gulf Coast and Southeast—subject to underwriting review.

Territories and Availability

OnPoint’s Mobile Home Insurance program is available in most U.S. states. Admitted markets are offered in the majority of states, with non-admitted options for higher-risk or CAT-exposed locations. Key states include: 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?

OnPoint is a program administrator focused on the manufactured housing sector. Agents benefit from OnPoint’s niche underwriting expertise, delegated authority across multiple A-rated carriers, and a history of placing both admitted and non-admitted accounts. Their ability to place CAT property, combined with enhanced liability and business income options, helps agents solve placement problems that standard markets may decline or limit.

For additional information on our Mobile Home Insurance program, contact Jackie Miller at [email protected] or (602) 494-6733. You can also visit our website at www.onpointunderwriting.com.
 

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts include mobile home parks, manufactured housing dealers, RV parks, and communities with rental units—especially those with property or coastal CAT exposures.

Is this program available in admitted markets?

Yes. Admitted coverage is available in most states. Non-admitted options are offered for higher-risk or CAT-prone areas where admitted capacity is limited.

What is the minimum premium for this program?

The program starts at a minimum premium of $500, making it accessible for smaller accounts and single-location park owners.

Can this program cover CAT-exposed properties in coastal states?

Yes. OnPoint can place CAT property coverage in coastal areas—including Florida—through a Lloyd’s (Ascot) Coverholder agreement, subject to underwriting terms and eligibility.

What makes OnPoint Underwriting different from other program administrators?

OnPoint specializes in the mobile home and manufactured housing sector, holds underwriting authority across several carriers, and provides enhanced coverages and fast turnaround to help agents place complex risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Negotiable/Competitive
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

8390 E. Crescent Parkway, 200
Greenwood Village, CO 80111
303-834-4512
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OnPoint Underwriting has other insurance programs like Employment Practices Liability Insurance.