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.
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.