Frequently Asked Questions

SITE FUNCTIONALITY

Basic Information regarding Site Functionality

The section is broken up into sub categories that contain information that would directly pertain to obtaining a manufactured home insurance quote as well as saving and retrieval of your quotes. Some of the information we request for an insurance quote will include contact information (name, address, phone number) and information regarding your mobilehome.

Underwriting and Eligibility

This section reviews specific information to determine mobilehome insurance product packages, availability and risk factors. As a customer, you will find some general underwriting questions that will help find the policy best suited for you.

Rating Information

This section includes information related to insurance coverage for your manufactured home. A customer can select coverage ranging from dwelling coverage only to a more complete package protecting your home based on your needs.

Quote Page

This section provides your manufactured home insurance quote, and also payment plan options. You can choose from several options.

Application Page

This section asks for confirmation of your mailing address, email address, contact information, etc so we can promptly and properly issue and deliver your insurance policy for your manufactured home and provide excellent service in the event of a claim.

Fulfillment Page

The final step; receive your coverage confirmation in real time. Your manufactured home insurance policy hardcopy will be mailed to your address the following business day.

COVERAGE

Comprehensive Mobile Home Coverage

Comprehensive mobile home insurance coverage provides coverage for direct, sudden and accidental losses to your home and any attached structure. This insurance coverage does not apply to manufactured homes while the home is in transit.

The following are examples of manufactured home losses not covered in your insurance policy:
(Please refer to the policy for a complete list of exclusions.)

Loss or damage due and confined to wear and tear, freezing, neglect or mechanical or electrical breakdown or failure, or manufacturer defect;
Loss or damage resulting from or increased by water backing up through sewers or drains or water below the surface of the ground;
Any loss or damage caused by enforcement of any governmental requirement regulating construction, confiscation, repair, demolition, sale, occupancy or relocation of your mobile home;
Any loss or damage if your manufactured home, adjacent structures, personal effects or premises are being used for any illegal trade or illegal business;
Loss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not wind driven;
Loss or damage if your mobilehome, adjacent structures, personal effects or premises are used exclusively for business or professional purposes;
Loss if you intentionally cause damage to or destruction of your manufactured home, adjacent structures or personal effects, or if you intentionally gave us materially false information with intent to deceive in order to obtain this insurance policy or in your presentation of an insurance claim;

Mobile home insurance coverage, limits and exclusions vary by state. Please refer to the policy you will receive in the mail for details.

POLICY QUESTIONS

Can I change my manufactured home insurance deductibles?
How can I get an online mobile home insurance quote?
How do I amend or modify coverage?
How do I cancel my mobilehome insurance coverage?
How do I file a manufactured home insurance claim?
Is there a deductible on my mobilehome insurance policy?
What are my payment options?
What are the customer service hours on the toll-free number?
What happens to my coverage if I move my manufactured home?
What is a moratorium?
When will the premium for my manufactured home insurance policy be billed?
When will I receive my mobilehome insurance policy?
Who is the insurance provider?

1. Can I change my manufactured home insurance deductibles?

In certain states, the program offers higher deductibles for a premium credit. If you would like more information, contact our Customer Service department at 1-877-467-6787 from 8 am to 5 pm EST Monday - Friday.

2. How can I get an online mobile home insurance quote?

Simply click here now to get an online mobile home insurance quote.

3. How do I amend or modify coverage?

This depends on which company insures you.

Assurant Specialty Property - Email inquiries to Assurant Specialty Property at mh.inquiries@assurant.com. Be sure to include your name, address, policy number, policy type and the type of modification you wish to make.

American Modern Insurance - Email inquiries to American Modern at rvinsurancepro@amig.com. Be sure to include your name, address, policy number, policy type and the type of modification you wish to make.

Foremost Insurance - You may call Foremost toll-free at 1-800-527-3905. Be sure to have your policy number available as a reference.

4. How do I cancel my mobilehome insurance coverage?

Again, this depends on which company insures you.

Assurant Specialty Property - Your mobilehome insurance coverage can be cancelled by submitting a letter to American Bankers Insurance Company of Florida at the address below or by faxing changes to 1-305-969-4171. You may also email us at mh.inquiries@assurant.com. Be sure to include your name, address, policy number, policy type and the date you would like the policy cancelled.

American Bankers Insurance Company of Florida, P.O. Box 979220, Miami, FL 33197

American Bankers Insurance Company of Florida administers the coverage that is underwritten by Ranchers and Farmers Mutual Insurance Company and American Security Insurance Company, and therefore it can be contacted regarding coverage.

American Modern Insurance - Your mobilehome insurance coverage can be cancelled by submitting a letter to American Modern Insurance Group at the address below. Also, be sure to include your name, address, policy number, policy type and the date you would like the policy cancelled.

American Modern Cancellation c/o IIG, 121 E. Birch Avenue, Suite #207, Flagstaff, AZ 86001

Foremost Insurance - Your mobilehome insurance coverage can be cancelled by submitting a letter to Foremost at the address below. Also, be sure to include your name, address, policy number, policy type and the date you would like the policy cancelled.

Foremost Cancellation c/o IIG, 121 E. Birch Avenue, Suite #207, Flagstaff, AZ 86001

5. If I have a manufactured home insurance claim, who do I contact?

Contact your insurer using the directions below.

Assurant Specialty Property - Contact the Claims Department at 1-800-358-0600 from 8 a.m. to 5 p.m. Eastern Standard Time, Monday through Friday. Please have your mobile home insurance policy number and address available. If you filed a police report, please also have the police report number.

American Modern Insurance - Contact the Claims Department at 1-800-543-2644 from 8 a.m. to 6 p.m. Eastern Standard Time, Monday through Friday. Please have your mobile home insurance policy number and address available. If you filed a police report, please also have the police report number.

Foremost Insurance - Contact the Claims Department at 1-800-527-3905 from 9 a.m. to 8 p.m. Eastern Standard Time, Monday through Friday. Please have your mobile home insurance policy number and address available. If you filed a police report, please also have the police report number.

6. Is there a deductible on my mobilehome insurance policy?

Your policy contains a deductible that will be applied per occurrence. The amount of your manufactured home insurance deductible may vary by state and by the cause of the loss.

7. What are my payment options?

Payment options vary, depending on your insurer.

Assurant Specialty Property - You can pay your premiums by choosing either one Annual Payment or 4, 6 or 9 installment payments. The 4-Payment Plan bills three installments, in addition to the down payment, 75 days apart. The 6-Payment Plan bills 25% down payment and five equal installments, 45 days apart. The 9-Payment Plan bills 17% down payment and eight equal installments, 30 days apart. If you choose the 4, 6 or 9 installment payments, up to a $5 service fee will be added to each installment.

American Modern Insurance - You can pay your premiums by choosing either one Annual Payment or 2, 4, 10, or 11 installment payments (11 payments are eligible for EFT option). Note that the first payment can be billed directly to the insured, to the escrow account, or it can be paid online. Depending on the plan you choose, there may be a small $4 service fee added to each payment.

Foremost Insurance - You can pay your premiums by choosing either one Annual Payment or 2, 4, 10, or 12 installment payments (12 payments are eligible for EFT option). Note that the first payment can be billed directly to the insured, to the escrow account, or it can be paid online. Depending on the plan you choose, there may be a small $5 service fee added to each payment.

8. What are the customer service hours on the toll-free number?

Assurant Specialty Property - If you are an existing Assurant Specialty Property manufactured home insurance policyholder, please call their Customer Service Department at 1-877-716-2936, Monday through Friday from 8 a.m. to 5 p.m. Eastern Standard Time. You may also email them at mh.inquiries@assurant.com. Please include the insured's name, address and policy number in your request.

American Modern Insurance - If you are an existing American Modern manufactured home insurance policyholder, please call their Customer Service Department at 1-877-467-6787, Monday through Friday from 8 a.m. to 5 p.m. Pacific Daylight Time. You may also email them at rvinsurancepro@amig.com. Be sure to include your name, address, policy number, policy type and the type of modification you wish to make.

Foremost Insurance - If you are an existing Foremost manufactured home insurance policyholder, please call their Customer Service Department at 1-800-527-3905, Monday through Friday from 9 a.m. to 8 p.m. Eastern Standard Time. Be sure to have your policy number available as a reference.

For all companies, if you are not an existing policyholder, please call our Sales Department at 1-877-467-6787, Monday through Friday from 8 a.m. to 10 p.m. and Saturday 10 a.m. to 5 p.m. Eastern Standard Time.

9. What happens to my coverage if I move my manufactured home?

This insurance policy does not cover the mobilehome while it is in transit. Insurance coverage for transit of your manufactured home may be added. Please contact Customer Service at 1-877-467-6787 for information on obtaining insurance coverage prior to moving your mobilehome.

10. What is a moratorium?

A moratorium is a period of time set by the insurer during which a new policy or increase in coverage cannot be issued. During this period of time certain types of insurance, including Specialty Homeowners, cannot take effect. Moratoriums are usually established when a catastrophic event is anticipated for an area. For example, areas under threat of a tropical cyclone (i.e., hurricane or tropical storm) or a wild fire are not eligible for coverage during the moratorium period designated by the company. To determine if your area is under a moratorium, call 1-877-467-6787.

11. When will the premium for my manufactured home insurance policy be billed?

The premium will be billed on the current date, unless you've selected an effective date that is more than three days into the future. In that case, the premium will be billed 3 days prior to the policy's effective date. For example, if you enroll on the first of the month but request an effective date of the 20th day of the month, the premium will bill on the 17th of the month (20-3=17). If you request an effective date of the 3rd, the premium will bill on the current date (10-15=less than zero days).

12. When will I receive my mobilehome insurance policy?

You should receive your policy within 2 weeks from the time you submit your completed application and the premium payment to your insurer (Assurant, American Modern, Foremost).

13. Who is the insurance provider on our online application?

Our online quote and issue program is underwritten by American Bankers Insurance Company of Florida. In Minnesota, coverage is underwritten by American Security Insurance Company. In Texas, Property Coverage is underwritten by Ranchers and Farmers Mutual Insurance Company and Liability Coverage is underwritten by American Bankers Insurance Company of Florida. American Bankers Insurance Company of Florida has been in business since 1947 and has $1.6 billion in gross written premiums. This company has a Rating of "A" (Excellent) by A.M. Best Company, an organization that rates insurance companies, based on financial strength and operating performance. As our customer, you can expect quality insurance products, prompt service and timely processing of claims.

Financial data is for the period ending 12/31/06.

A.M. Best Company ratings range from A++ to F. The A.M. Best Company neither endorses nor is affiliated with American Bankers Insurance Company of Florida.

American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant Specialty PropertySM companies, 11222 Quail Roost Drive, Miami, FL 33157-6596.

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Manufactured Home Frequently Asked Insurance Questions