MSO Manufactured Homes Program

The Manufactured Homes Program offers comprehensive coverage for manufactured and/or mobile homes in a simplified format. The flexible program can be customized to meet each company’s unique underwriting and eligibility appetite. To simplify customization, dollar limits are clearly shown on the individual coverage forms, not hidden in the main policy. Exclusions are pure exclusions. Coverages that are found as exceptions to exclusions in other programs are shown separately as Supplemental Coverages in the MSO programs.

The Manufactured Homes Program consists of four main coverage forms, with a single Common Provisions Form that applies to all policies. This includes all property and liability coverage provisions other than:

  • The specific causes of loss (perils).
  • The dollar limits of liability for Supplemental Coverages and certain personal property.
  • Provisions unique to a specific coverage form.

The basic coverages and supplemental coverages are identical in all coverage forms. To facilitate claims handling, the same exclusions and provisions apply uniformly.