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Mobile Home Insurance


Mobile Home Insurance Information

Mobile Home Lines

For over 35 years, we have been specializing in insuring mobile/manufactured homes.

11/22/2019

New DIC Program for Mobile Homes with Aegis

Difference In Conditions (DIC) Endorsement allows for Mobile Home policy to be written with Aegis provided DIC Endorsement indicated.

FIRE Coverage is required to be placed with the CA State FAIR Plan, other usual NON-FIRE coverage still provided by AEGIS.

Can be written in any zip code provided zip has not exceeded TIV amount, (i.e.: Brush Score is no longer viable since no FIRE Coverage provided by AEGIS, so open statewide. Aegis is one of the few admitted carriers with this offer, if not the only one for Manufactured Homes.

 

11/21/2019

Moratorium Lifted  (Aegis)

10/28/19

Effective immediately, there is a statewide moratorium in CA for Manufactured Home new business and endorsements. This is due to the extensive wildfire activity and adverse weather conditions forecasted. Any changes to the moratorium will be communicated.

7/8/19

Effective immediately, the following zip codes are under moratorium due to the recent earthquakes in California:

Under Moratorium

California Zip Codes (7.8.19):  These listed zip codes are under moratorium: Click Here for Zip Codes

Until further notice, we are unable to accept new business, make changes to existing policies or accept payment for lapsed policies in areas that are still under moratorium.  Any changes to the moratorium will be communicated in the very near future.

 

Now Available - 3/23/19 Aegis Security's New General Portal: GameChanger

Union General is proud to announce Aegis Security's New Portal for Manufactured Homes in CA. We offer a 1, 3, 5, 11 payment program for new and renewal business.

Click Here  to access the Aegis General Portal login screen.

  1. Usernames are displayed in all capital letters
  2. Passwords are case sensitive 
  3. If logging in for the first time, you are required to create a new password and answer a few security questions

For "Username" and "Password", please contact Megan Ward at ext. 112 and/or meganw@uniongeneral.com or Quelle Abeyta at ext. 118 and/or raquellea@uniongeneral.com.

We appreciate your business.

Click Here for a recorded webinar by Aegis.

 

3/13/19

There have been updates to the CA Wildfire moratorium and they are listed below:

Under Moratorium

California Zip Codes (3.13.19):  These listed zip codes are under moratorium: Click Here for Zip Codes

Until further notice, we are unable to accept new business, make changes to existing policies or accept payment for lapsed policies in areas that are still under moratorium.  Any changes to the moratorium will be communicated in the very near future.

 

2/5/19

There have been updates to the CA Wildfire moratorium and they are listed below:

Under Moratorium

California – Risks with an ISO Fireline Score of 3 and above; Risks that are located in a “medium” or “high” brushfire zone as determined by the Core Logic Risk Meter report

California Zip Codes (2.5.19):  These listed zip codes are under moratorium: Click Here for Zip Codes

Until further notice, we are unable to accept new business, make changes to existing policies or accept payment for lapsed policies in areas that are still under moratorium.  Any changes to the moratorium will be communicated in the very near future.

Moratorium Lifted

California – Risks with an ISO Fireline Score of 2 and below; Risks that are located in a “low” brushfire zone as determined by the Core Logic Risk Meter report and not located in Zip Code Moratorium.

All new business must be submitted for approval.   

11/27/18

 

There have been updates to the CA Wildfire moratorium and they are listed below:

 

Under Moratorium

 

California – Risks that are located in a “medium” or “high” brushfire zone as determined by the Core Logic Risk Meter report

 

California Zip Codes:  These listed zip codes are under moratorium: Click Here for the Zip Codes

 

Until further notice, we are unable to accept new business, make changes to existing policies or accept payment for lapsed policies in areas that are still under moratorium.  Any changes to the moratorium will be communicated in the very near future.

 

 

Moratorium Lifted

 

California – Risks that are located in a “low” brushfire zone as determined by the Core Logic Risk Meter report and not located in Zip Code Moratorium.

 

All new business must be submitted for approval.

 

11/9/18...Statewide moratorium for Aegis Security Mobile/Manufactured Home Program

From Aegis Security Insurance Company "With the current weather and fire activity and the potential for continued adverse conditions in large portions of the state, we have placed a statewide moratorium until further notice.'

 

Under Moratorium

 

California – Entire state

 

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9/2/19: American Reliable is not accepting any new business

American Reliable's Online California and Washington Mobile Home Rating and Underwriting System

Union General is pleased to announce a new Online Rater for American Reliable's California Mobile Home Program

Direct Bill to the Insured with Installment Options is now available through this system. Click the following link for the User Access Form American Reliable Mobile Home/Manufactured Home Online Rating and Underwriting System.

For “Username” and “Password”, please contact Nyla Esperante at nylae@uniongeneral.com or 925-671-2128 ext. 131.
Please let us know if you have any questions. We appreciate the business.

We have exciting news FOR WASHINGTON MOBILE HOMES! American Reliable Insurance Company has released a new Internet based rater to assist you in the writing of your Washington Mobile Home programs. The rater will also allow you to quick quote a new piece of business then transfer the quote to an application for completion, which can then be printed and sent to us. We feel this rater will be a valuable new tool to help you write more business in your agency.

The iReli rater can be found at Internet URL address: American Reliable Mobile Home/Manufactured Home Online Rating and Underwriting System. The user ID is your four-digit General Agent number (9438) with a dash and then your four-digit sub agent number (example: 9438-1234) and the password is set to welcome, which you will be prompted to change once you sign in.

For details and instructions on how to navigate around the rater, go to HELP and GETTING STARTED GUIDE.

If you have any questions, or need assistance please do not hesitate to give us a call.


What is mobile home insurance?

As with any structure called home, mobile homes can and should be insured to protect your finances from various risks. Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit. The right mobile home insurance policy offers protection for your home, possessions and finances.

What are the benefits of mobile home insurance?

Like homeowners insurance, mobile home insurance offers a variety of coverages. Some of the most common coverages include the following:

  • Dwelling: Covers the physical structure of your mobile home from a variety of disasters such as fire and theft.

  • Contents: Covers your furniture, kitchen appliances, clothing, electronics and other belongings. You may need extended coverage for valuables like jewelry and antiques.

  • Liability: Covers you if an accident on your property causes injury or property damage. This includes medical and legal expenses.

  • Trip collision: Covers your mobile home while it is in transit.

Get started today!

Protecting your mobile home is as simple as calling our agency for a free quote. We can help find a policy with the right coverages for your needs, as well as answer any questions you may have.

We do the work for you, so you can rest knowing your home is protected.

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