3 flexible options for Manufactured Home clients

Posted on February 26, 2025

Give Your Clients the Power of Choice

Key Takeaways:

  • Our Preferred option offers insured-to-value coverage for dwelling & contents
  • Select coverage saves money for older manufactured homes
  • Wind & Hail-only coverage provides streamlined protection

One size does NOT fit all when it comes to manufactured housing coverage. That’s why Aspera presents three unique coverage forms designed to meet the different needs of different clients.

Is your client looking for…

Replacement cost value (RCV)?
The Preferred coverage form includes replacement costs up to the dwelling limit on total loss claims—even for older homes. Content losses are also settled at replacement cost value.
Savings on a home 20 years or older?
Select coverage forms offer advantages for homes of any age, including actual cash value (ACV) settlements. But for homes aged 20+ years, we can access policy discounts—the older the home, the greater the discount!
Just Wind & Hail coverage?
We can help you with that, too! While Preferred and Select coverage forms also include Wind & Hail, some clients don’t need a lot of bells and whistles. We can access Wind- & Hail-only coverage that delivers single-peril protection with ACV.

And ALL of our options come with access to additional coverages and no coastal limitations within our open markets. 

Appointed agents can receive a quote in minutes. If you’re not appointed, begin our streamlined appointment process now, and you could be quoting by the end of day.