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Manufactured Housing Communities Insurance Program OnPoint Underwriting delivers a specialized insurance program tailored for Manufactured Housing Communities and Dealers. As a leading national program administrator in this niche, OnPoint brings deep expertise and access to top-rated markets to help insurance agents place business confidently and competitively. We understand the unique exposures that manufactured housing parks and communities face and have designed coverage solutions that meet both standard and complex needs across the country. Ideal Accounts and Appetite Our program is designed for: Manufactured housing community owners (single or multiple locations) Mobile home park operators Manufactured housing dealers Communities with on-site rental units RV parks (optional coverage available) This program is a great fit whether your client is a small, single-location park owner or a large consolidator with multi-state operations. You might have a client who recently acquired a mobile home park in a coastal state and needs property coverage that includes CAT exposures—OnPoint has options for that too. Coverage Highlights and Advantages OnPoint's program includes a broad suite of coverages, including: General Liability – rated per site with location-specific aggregate limits Property and CAT Property – including coastal areas like Florida via Lloyd’s of London (Ascot) Open Lot and Inland Marine Umbrella and Auto – available on an optional basis Business Income – covers loss of income due to damage to non-owned homes, with Actual Loss Sustained and optional Extended Period of Indemnity Debris Removal – included Coverage for Unscheduled Buildings and/or Business Personal Property up to $5,000 included All carriers are rated “A” or better by AM Best, and OnPoint maintains underwriting and pricing authority with multiple carriers including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making this program accessible for small and mid-sized community operators. OnPoint has developed proprietary enhancements that improve upon standard industry offerings, helping agents deliver added value to their clients. Submissions are reviewed promptly, and our team is equipped to tailor terms based on each risk’s unique characteristics. Territories and Availability This program is available in most states nationwide, including key markets such as CA, FL, TX, AZ, NC, and more. Whether your client operates in a coastal, inland, or multi-state location, OnPoint can provide solutions to fit the jurisdiction and exposure profile. Admitted and non-admitted options are available depending on the state and risk type. Why Work With OnPoint Underwriting? OnPoint Underwriting has a long-standing reputation in the manufactured housing sector, trusted by both large national operators and single-location owners. With access to exclusive markets, responsive service, and deep program knowledge, OnPoint helps agents place risks efficiently and competitively. We offer tailored solutions, consistent underwriting, and the ability to handle complex or catastrophe-prone accounts. To learn more about placing business in our Manufactured Housing Insurance Program, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufactured housing community owners, mobile home park operators, and dealers—ranging from small single-site owners to large multi-state portfolios. Can the program cover properties in coastal or CAT-prone areas?Yes, OnPoint can write CAT property coverage in coastal areas, including Florida, through our Lloyd’s of London (Ascot) Coverholder agreement. What optional coverages are available?Optional coverages include Automobile, Umbrella, RV Parks, and owned rental units within the community. Is there a minimum premium requirement?Yes, the minimum premium for this program is $500, making it accessible for smaller accounts. Which states is this program available in?This program is available in most U.S. states. Contact us to confirm availability in your client's specific location. Need help placing an account? Connect with a market specialist.

...ies, and similar activities. When tenants occupy the land, they should maintai...ries, or agriculture can be covered. Tenants should provide proof of insurance...

...e coverage for a wide range of manufacturing and distribution clients. As a wh... that risks involving latex glove manufacturing or tobacco products are not el...

...onsive coverage for store owners, tenants, landlords, merchants, and franchise...retail store owners, shopping center tenants and landlords, franchise operator...

...appetite properties with heavy manufacturing, significant solvent/chemical exp...nerally avoid heavy industrial or manufacturing occupancies, long-term vacant ...

...wners who lease space to multiple tenants. To be eligible, centers should hav...of 25,000 sq. ft. of parking. Common tenants include dry cleaners, restaurants...

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.