Are you having trouble placing mobile home risks that other markets decline? Colonial General Insurance Agency, Inc. offers a flexible Mobile Home Insurance program designed for hard-to-place and non-standard mobile home exposures. The program provides multiple coverage options, access to admitted and surplus solutions through partnering carriers, and underwriting flexibility so you can place accounts other markets turn away.
Ideal Accounts and Appetite
This program handles both standard and non-standard mobile home risks. Colonial General underwrites a broad spectrum of accounts, including:
- Owner-occupied mobile homes (primary or seasonal/secondary residences)
- Tenant-occupied mobile homes
- Mobile homes used for commercial purposes (coverage limited—no contents or liability for commercial use)
- Older mobile homes and vintage units
- Risks with prior losses or claim history
- Properties in unprotected or rural locations
Examples of suitable accounts: a 30-year-old mobile home in a rural county where admitted markets declined, or a tenant-occupied unit with a single prior loss that needs a practical placement. If you need options for a difficult risk, this program is built to consider those submissions.
Coverage Highlights and Advantages
Colonial General works with multiple carriers to let you tailor coverage to the insured’s needs. Common options include:
- Comprehensive (all-risk) or Named Perils property coverage
- Premises liability for owner-occupied dwellings
- Vendor’s Single Interest (VSI) for lienholders
- Flood coverage where offered (state- and carrier-dependent)
- Trip collision coverage for mobile homes while in transit
These options help you structure policies for clients who have limited placement alternatives, while balancing price and risk transfer needs.
Underwriting Notes and Minimum Premiums
Underwriting guidelines vary by carrier and state. Colonial General specializes in accounts other markets shy away from, but expect underwriters to review age/condition, prior losses, occupancy, and protection class. Minimum premium levels are carrier-specific—connect with Colonial General’s underwriting team for state-specific thresholds and submission requirements.
Territories and Availability
The Mobile Home Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage features such as flood may not be available in every state—availability and rating differ by carrier and location.
Why Work With Colonial General?
Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with a specialty focus on hard-to-place personal lines. They work with multiple admitted and non-admitted markets to provide flexible solutions and responsive service. Their strengths for agents include:
- Willingness to consider older units, prior-loss accounts, and rural locations
- Access to several carriers so you can pursue both admitted and E&S options
- A specialty underwriting team experienced in mobile-home exposures
- Practical endorsements (VSI, trip collision) to protect lender and transport exposures
For placement help or to discuss state-specific appetite, connect with a Colonial General market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this Mobile Home program?
Owner-occupied and tenant-occupied mobile homes, older units, homes with prior losses, and properties in unprotected or rural areas are all within the program’s appetite. Commercial-use mobile homes are considered with limited coverage (no contents or liability).
Is flood coverage included in the policy?
Flood coverage is available in some states but not uniformly. Availability depends on the carrier and state; discuss the specific location with Colonial General underwriters.
Can I write business in multiple states through this program?
Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage options and filings vary by state and carrier.
What makes Colonial General different from other MGAs?
Colonial General focuses on specialty personal lines and hard-to-place risks. They leverage relationships with multiple admitted and E&S carriers and emphasize underwriting flexibility and agent service to help you place challenging mobile home accounts.
Are older mobile homes eligible for coverage?
Yes. The program is designed to consider older mobile homes, including those with past losses or in remote areas, subject to carrier guidelines and underwriting review.
Need help placing an account? Connect with a market specialist.