Place manufactured home risks with confidence.
A best-in-class market for a class most carriers decline. Four levels of coverage, multiple use-case forms, $2M liability on every policy.
4 levels
Tailor a package to your client's needs
All Risk or Named Perils
Quote both on a single submission
$2M liability
Included on every policy.
GRC available
Guaranteed Replacement Cost where applicable
The Agile Advantage
A manufactured home program built to say yes.
We built one manufactured home program with fewer conditions attached: no CSA label requirement, no age restrictions, and coverage that fits how the home is actually heated. One submission, one answer.
No CSA label required
Homes without a CSA or equivalent label still qualify for coverage.
No age restriction on the home
Older manufactured homes qualify. Age alone isn't a decline reason.
Woodstove heat? No problem.
Primary woodstoves qualify if certified for mobile home use, professionally installed, or WETT inspected.
Forms available
Coverage levels
One program. Four levels of coverage.
Level 1 is our broadest form: All Risk with Guaranteed Replacement Cost.
| Level 1 All Risk + GRC | Level 2 All Risk | Level 3 Named Perils | Level 4 Named Perils ACV |
|
|---|---|---|---|---|
| Form | All Risk | All Risk | Named Perils | Named Perils |
| Building basis | Guaranteed Replacement Cost | Replacement Cost | Replacement Cost | Actual Cash Value |
| Contents basis | Replacement Cost | Replacement Cost | Replacement Cost | Replacement Cost |
| Eligibility | Homes 10 years and newer | 11-30 years old | 31-40 years old | Over 40 years old |
| $2M liability | Included | Included | Included | Included |
| Enhanced coverages | Included | Included | Included | Included |
| Contents coverage | Included at 100% | Included at 100% | Included at 75% | Included at 75% |
| Outbuildings | Included at 10% | Included at 10% | Included at 10% | Included at 10% |
| Additional Living Expense | Included at 20% | Included at 20% | Included at 20% | Included at 20% |
Not sure which level fits? Submit on our broker portal today to find out.
Coverage Detail
What's written into every policy.
Coverages built into the form across all four levels. No upsell, no separate endorsements to manage.
- Accidental Death Benefit
- Collision or Upset
- Identity Theft
- Sewer Backup
- Building Bylaws
Have a manufactured home file? Quote it with Agile.
Submit through the Agile broker portal and our underwriting team will get back to you with quoted levels and any conditions.